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A portfolio that loves large caps like a kid loves candy, but forgets about the rest of the store

Report created on Aug 16, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio seems to have a crush on U.S. large caps, allocating a whopping 65% to just that. It's like putting all your eggs in one basket, then realizing you only bought eggs and forgot the rest of the groceries. While there's a nod towards diversification with small caps and international exposure, it feels like an afterthought. The imbalance is like trying to make a gourmet meal but only shopping in the snack aisle.

Growth Info

With a CAGR of 15.98% and a max drawdown of -36.47%, it's like riding a rollercoaster blindfolded. You’ve got some thrilling highs but also some gut-wrenching drops. Those 17 days accounting for 90% of returns? It's like your financial success hinging on the mood swings of a temperamental teenager. High volatility with concentrated gains makes this portfolio a bumpy ride, not for the faint-hearted.

Projection Info

Relying on Monte Carlo simulations, with outcomes ranging wildly from 53.1% to 765.4%, suggests your future finances could either be a modest studio apartment or a lavish mansion. It's like planning your retirement based on lottery ticket outcomes. Remember, these simulations are as predictive as a weather forecast for next year's Christmas—take it with a grain of salt and a hefty dose of skepticism.

Asset classes Info

  • Stocks
    100%

A 100% allocation to stocks? That's like going to Vegas and putting everything on red. Sure, it's bold, but it's also begging for a heartache. Zero in bonds, cash, or "other" means you're missing out on the stabilizing elements that could keep your portfolio from resembling a yo-yo during market downturns. Diversification isn’t just a buzzword; it’s financial survival 101.

Sectors Info

  • Technology
    24%
  • Financials
    17%
  • Industrials
    12%
  • Consumer Discretionary
    12%
  • Health Care
    8%
  • Telecommunications
    7%
  • Energy
    6%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Concentrating on technology and financial services isn't surprising, but it's like only watching superhero movies and missing out on the rest of the cinema. Yes, they can be exciting and rewarding, but when they flop, they flop hard. The underrepresentation of sectors like real estate and utilities is akin to skipping your veggies. Not fatal, but not exactly a balanced diet either.

Regions Info

  • North America
    81%
  • Europe Developed
    9%
  • Japan
    5%
  • Australasia
    2%
  • Asia Developed
    1%
  • Africa/Middle East
    1%

With an 81% allocation to North America, this portfolio screams "home bias." It's like traveling abroad but only eating at McDonald's. Sure, it's comfortable, but think of all the exotic opportunities you're missing. The minimal exposure to emerging markets and other regions is a missed chance for growth and true global diversification.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    25%
  • Mid-cap
    20%
  • Small-cap
    13%
  • Micro-cap
    8%

The spread across market caps shows some attempt at balance, but it's skewed like a barbell with one side heavier than the other. Heavy on mega and big caps, it's like always picking the safest playground equipment. Sure, you're less likely to fall, but you're also missing out on the thrill of the swings (small and micro caps).

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.

If this portfolio were a meal, it's like having a plate full of carbs and calling it balanced—it's missing some key nutrients. The obsession with U.S. large caps at the expense of broader diversification isn't optimizing risk vs. return. It's like aiming for the moon with a slingshot; ambitious, but probably not going to end well. A more strategically diversified approach could improve the efficiency, reducing volatility while potentially enhancing returns.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.70%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Schwab International Equity ETF 2.50%
  • Schwab U.S. Large-Cap ETF 1.10%
  • Weighted yield (per year) 1.59%

The dividend yields suggest you're trying to generate income, but it's more like finding loose change in the sofa cushions. A total yield of 1.59% isn't going to fund a lavish retirement. Relying on dividends from this setup is like hoping a few raindrops will fill a swimming pool. It’s a start, but you might need a more robust strategy.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. Large-Cap ETF 0.03%
  • Weighted costs total (per year) 0.10%

The total TER of 0.10% is actually quite lean, like finding a diet soda that still tastes good. It's one of the few places where this portfolio doesn't go overboard. Low costs are commendable, like choosing the economical car that still gets you from A to B without breaking the bank.

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