A cautious portfolio that's secretly enamored with the S&P 500 and thinks gold is still a thing
Report created on Sep 2, 2025Risk profile
3/7
Diversification profile
1/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
GO iShares U.S. Treasury Bond ETF
GOVT - US46429B2676 20.00% -
SG abrdn Physical Gold Shares ETF
SGOL - US00326A1043 10.00% -
SG iShares® 0-3 Month Treasury Bond ETF
SGOV - US46436E7186 10.00%
Let's start with the elephant in the room: 60% of your portfolio is cuddling up with the Vanguard S&P 500 ETF like it's the only stock ETF in existence. With 20% in U.S. Treasury bonds and another 10% in short-term Treasury bonds, it's like you're preparing for retirement and the apocalypse simultaneously. Throwing in 10% in gold? That's the investing equivalent of keeping a landline phone "just in case."
Growth
With a CAGR of 11.86%, your portfolio has been humming along nicely, but let's not get carried away. Those returns are heavily leaning on the S&P 500's recent bull run, and that max drawdown of -19.84% is a gentle reminder that when the market sneezes, your portfolio could catch a cold. Days contributing to 90% of returns being at 30? That's like saying you've won a few big hands at poker but forgetting the countless small losses.
Projection
Monte Carlo simulations are like video games for investors, showing you how your portfolio might perform under different scenarios without risking real money. Your key percentiles paint a picture of optimism with a side of caution. A 47.7% increase at the 5th percentile is not too shabby, but remember, these simulations are as reliable as weather forecasts. They're educated guesses, not crystal balls.
Asset classes
- Stocks 60%
- Bonds 20%
- Other 10%
- Cash 10%
Your asset class party is a bit of a snooze fest. Stocks, bonds, a dash of gold, and a sprinkle of cash. It's like a diet that only consists of meat and potatoes—technically nutritious but missing some essential vitamins. Expanding your palate could help balance your nutritional, I mean, financial health.
Sectors
- Technology 21%
- Financials 8%
- Consumer Discretionary 6%
- Telecommunications 6%
- Health Care 6%
- Industrials 5%
- Consumer Staples 3%
- Energy 2%
- Utilities 1%
- Real Estate 1%
- Basic Materials 1%
A 21% tech weighting in your stock allocation? Bold move considering the roller coaster it's been on. Financials, consumer cyclicals, and healthcare round out your top sectors, making your portfolio look like a tech enthusiast who's also a part-time conservative investor. It's a bit of an identity crisis.
Regions
- North America 60%
With 60% of your assets in North America, it's clear you've got home country bias. The rest of the world apparently doesn't exist in your investing universe. Diversifying globally is like adding international spices to your meat and potatoes—it can enhance the flavor and, in this case, your returns.
Market capitalization
- Mega-cap 28%
- Large-cap 21%
- Mid-cap 11%
- Small-cap 1%
Your mega to small-cap ratio is like attending a party and only talking to the most popular people there. Sure, the megacaps (28%) and big caps (21%) are the life of the party now, but sometimes the most interesting stories (and growth opportunities) come from the small caps (1%) you're largely ignoring.
Risk vs. return
This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.
Click on the colored dots to explore allocations.
Your portfolio's risk-return profile seems to be playing it safe while secretly betting big on the S&P 500. This "cautiously optimistic" approach might feel like a warm safety blanket, but it's more like a comforter that's too short. You're covered, but if the market takes a turn, you might find your toes sticking out in the cold.
Dividends
- iShares U.S. Treasury Bond ETF 3.40%
- iShares® 0-3 Month Treasury Bond ETF 4.40%
- Vanguard S&P 500 ETF 1.20%
- Weighted yield (per year) 1.84%
Your dividend yield is like finding loose change in the couch—nice to have but not life-changing. At 1.84% total yield, it's clear that income isn't your primary goal. Still, in a low-interest-rate environment, every penny counts, right? Maybe it's time to look for couches with more change.
Ongoing product costs
- iShares U.S. Treasury Bond ETF 0.05%
- abrdn Physical Gold Shares ETF 0.17%
- iShares® 0-3 Month Treasury Bond ETF 0.07%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.05%
Cheers on keeping your costs as low as a limbo stick at a beach party. With a total TER of just 0.05%, you're practically investing for free. Low costs are great, but let's not forget that even the cheapest investments need to be part of a balanced and thoughtfully diversified strategy.
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