Roast mode 🔥

A portfolio that's almost too vanilla, yet sprinkles in small-cap excitement

Report created on Nov 5, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Diving into this portfolio is like stepping into a classic American diner: mostly serving you large slices of familiar S&P 500 pie, with a side of international flavor to keep things interesting. At first glance, the 50% allocation to an S&P 500 ETF screams "I'm playing it safe," but then there's a 30% dash to international stocks, with a spicy twist of 20% in small-cap value ETFs. It's like ordering a burger with a side of exotic spices — safe, but trying to be adventurous.

Growth Info

Historically, this portfolio has been like a roller coaster that's exciting but won't make you lose your lunch, boasting a CAGR of 14.86%. However, that maximum drawdown of -35.76% is a gut check, reminding us that even the most balanced diets can lead to indigestion. It's a stark reminder that past performance is a guide, not a guarantee — like betting on a horse because it looked good in past races.

Projection Info

The Monte Carlo simulation, our financial crystal ball, shows a wide range of outcomes, from modest gains to the potential for striking it rich, signaling that this portfolio might just be more of a gamble than it appears. Remember, Monte Carlo is like weather forecasting for investments—useful, but pack an umbrella (or a parachute) just in case.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

With 99% in stocks and a token 1% in cash, this portfolio is like a diet all-in on protein with barely a nod to hydration. Such an aggressive allocation to stocks is great for muscle growth (read: wealth accumulation), but don't forget about the risk of dehydration (market volatility). A little more balance could prevent a painful cramp down the road.

Sectors Info

  • Technology
    23%
  • Financials
    18%
  • Industrials
    13%
  • Consumer Discretionary
    12%
  • Health Care
    7%
  • Telecommunications
    7%
  • Basic Materials
    6%
  • Energy
    5%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Real Estate
    2%

The sector spread is like a buffet with heavy plates of tech and financial services, making up over 40% of the portfolio. While these sectors can be the life of the party during bull markets, they're also the first to overindulge and regret it during downturns. Diversifying your diet might prevent a hangover.

Regions Info

  • North America
    63%
  • Europe Developed
    15%
  • Japan
    8%
  • Asia Emerging
    5%
  • Asia Developed
    4%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

With a 63% allocation to North America, this portfolio is like someone who travels internationally but only eats at American chain restaurants. Venturing into developed Europe and Japan adds flavor, but with emerging markets merely a garnish, it's missing out on some potentially exciting local cuisine.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    26%
  • Mid-cap
    19%
  • Small-cap
    10%
  • Micro-cap
    5%

The portfolio's tilt towards mega and big caps, with a sprinkle of small and micro caps, is like being adventurous enough to try skydiving but only in a simulator. It's good to see some small-cap spice, but remember, too much reliance on the big guys can make the ride smoother yet potentially less rewarding.

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.

Regarding risk-return optimization, this portfolio seems to be walking a tightrope without a net. Sure, it's balanced on paper, but leaning heavily towards high-cap and U.S.-centric equities might not be the most efficient path to the promised land of high returns for acceptable risk. It's like using a map from the '90s in today's road trip — somewhat helpful, but you might miss newer, faster routes.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.50%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • SPDR® Portfolio S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.91%

The dividend yield strategy here is like finding loose change under the sofa cushions; it's nice but won't pay the bills on its own. The yields provide a modest income stream, but relying on them for significant cash flow would be like planning your budget around finding more couch change.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.09%

The overall low cost of this portfolio is its saving grace, akin to finding a no-fee ATM in a tourist trap. With a Total Expense Ratio (TER) of just 0.09%, it's clear that, while the portfolio strategy may raise eyebrows, at least it's not burning money on fees.

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