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A love letter to gold and big indexes with a spice of 'diversification' fantasy

Report created on Aug 2, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

First off, let's address the elephant in the room: holding both the Schwab S&P 500 Index Fund and the SCHWAB 1000 Index Fund is like ordering two slightly different vanilla ice creams and expecting a flavor explosion. With nearly 70% of your portfolio in two funds that likely overlap more than teenagers' first love, you've basically put all your eggs in one basket and then asked someone to watch that basket for you. It's not diversification; it's duplication with extra steps.

Growth Info

Looking at the historical performance, a 12.66% CAGR seems impressive until you realize it's riding the coattails of one of the longest bull markets in history. It's like bragging about winning a marathon when you started at the 25th mile. And that Max Drawdown of -30.02%? That's your portfolio screaming for a parachute during market turbulence. Remember, past glory is no promise of future triumphs.

Projection Info

Monte Carlo simulations with a median projection of 435.2% growth might have you dreaming of Scrooge McDuck money bins, but remember, simulations are like weather forecasts for your finances — somewhat informative but not always reliable. And those 61 simulations out of a thousand that ended up in the red? They're the financial equivalent of being told there's a small chance of rain and ending up in a monsoon without an umbrella.

Asset classes Info

  • Stocks
    86%
  • Other
    7%
  • Bonds
    7%

Your portfolio's asset class spread is like a diet consisting of 86% steak, 7% water, and 7% vegetables — it's unbalanced and unhealthy in the long run. Stocks are great for growth, but when the market sneezes, your portfolio could catch a cold without more bonds or alternative assets to balance things out.

Sectors Info

  • Technology
    25%
  • Financials
    11%
  • Health Care
    9%
  • Consumer Discretionary
    7%
  • Telecommunications
    7%
  • Industrials
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%
  • Consumer Discretionary
    1%

The sector allocation seems to have been inspired by a tech enthusiast who also has a soft spot for financial services and healthcare. With 25% in technology, it's like betting heavily on the star quarterback but forgetting that it takes a whole team to win the game. Diversification across sectors is not just a good idea; it's your defense against sector-specific downturns.

Regions Info

  • North America
    85%

With 85% in North America, your portfolio is the financial equivalent of refusing to eat anything but American fast food. Sure, it's comforting and familiar, but there's a whole world of flavors out there. International diversification could be the spice your investment diet desperately needs.

Market capitalization Info

  • Large-cap
    33%
  • Mega-cap
    31%
  • Mid-cap
    18%
  • No data
    7%
  • Small-cap
    3%

Your market cap distribution is like attending a party and only talking to people over 6 feet tall. Sure, you might meet some interesting folks, but you're missing out on a lot of potential conversations. With a heavy tilt toward big and mega-caps, you're relying too much on the giants and missing out on the growth potential of smaller companies.

Redundant positions Info

  • VanEck Gold Miners ETF
    Sprott Gold Miners ETF
    High correlation
  • SCHWAB 1000 INDEX FUND INVESTOR SHARES
    Schwab S&P 500 Index Fund
    High correlation

The correlation between your gold-focused investments and the overlapping index funds is like having four remotes for the same TV. It's redundant and doesn't add value or control to your portfolio. It's crucial to diversify, not just in theory but in practice, by choosing assets that don't all move in the same direction at the same time.

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 current state is like a jigsaw puzzle done by a toddler — pieces are there, but they don't quite fit. The high correlation between some holdings and the lack of true diversification drag down its efficiency. Before dreaming of optimization, start by decluttering the duplicates and embracing a wider variety of asset classes and sectors.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.50%
  • VanEck Gold Miners ETF 0.80%
  • Barrick Gold Corp 2.10%
  • Oppenheimer Gold & Spec Minerals 0.60%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Sprott Gold Miners ETF 0.60%
  • SCHWAB 1000 INDEX FUND INVESTOR SHARES 1.20%
  • Schwab S&P 500 Index Fund 1.20%
  • Weighted yield (per year) 1.63%

Your dividends are like finding loose change in the couch — nice to have, but not enough to fund a shopping spree. With a total yield of 1.63%, it's clear income isn't the main goal here. However, don't underestimate the power of reinvesting those dividends; over time, they can significantly contribute to compounding your returns.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • VanEck Gold Miners ETF 0.51%
  • SPDR® Gold Shares 0.40%
  • Oppenheimer Gold & Spec Minerals 1.10%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Sprott Gold Miners ETF 0.50%
  • SCHWAB 1000 INDEX FUND INVESTOR SHARES 0.05%
  • Schwab S&P 500 Index Fund 0.02%
  • Weighted costs total (per year) 0.08%

The total TER of 0.08% is impressively low, like finding a luxury car with economy fuel efficiency. It's one of the few areas where your portfolio is lean and mean. Keeping costs low is crucial for long-term growth, so at least you're not bleeding money on fees.

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