A masterclass in putting all your eggs in one patriotic basket
Report created on Aug 8, 2025Risk profile
4/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 56.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 28.00% -
VI Vanguard Industrials Index Fund ETF Shares
VIS - US92204A6038 16.00%
This portfolio is like that one friend who only eats at McDonald's because it's familiar. With a whopping 56% in the Vanguard S&P 500 ETF, 28% in Schwab U.S. Dividend Equity ETF, and 16% in Vanguard Industrials Index Fund ETF Shares, it screams, "I love America, but I'm afraid of variety." Diversification isn't just a fancy word; it's your financial safety net. This portfolio, however, uses it more like a tightrope with no safety harness.
Growth
With a historical CAGR of 13.81%, it's like bragging about winning a race when you were the only one competing. Sure, the numbers look nice in a vacuum, but when you factor in the -34.97% max drawdown, it's clear this portfolio rides the market waves like a surfer with no balance. Those 30 days making up 90% of returns? That's the financial equivalent of betting your retirement on red at the roulette table.
Projection
Monte Carlo simulations with a median projection of 484% growth sound impressive until you remember that Monte Carlo is also known for its casinos. With 993 out of 1,000 simulations showing positive returns, it's tempting to think you've hit the jackpot. However, simulations are educated guesses, not promises. Betting heavily on past performance continuing into the future is like expecting lightning to strike the same spot repeatedly because it happened once before.
Asset classes
- Stocks 100%
If this portfolio were a meal, it would be a steak with a side of steak. 100% stocks with no cash or bonds in sight is like driving with no seatbelts or airbags. Sure, you might get to your destination faster, but the risk of a crash (financial, in this case) could leave you wishing you had some safer investments to cushion the blow.
Sectors
- Technology 23%
- Industrials 22%
- Financials 10%
- Health Care 10%
- Consumer Discretionary 9%
- Consumer Staples 8%
- Energy 7%
- Telecommunications 7%
- Basic Materials 1%
- Utilities 1%
- Real Estate 1%
The sector allocation is like attending a music festival that only plays one genre of music. Sure, you love techno, but a little variety wouldn't hurt. With heavy bets on technology and industrials, this portfolio is dancing with the stars while ignoring the rest of the universe. Financial services and healthcare are like the opening acts that nobody pays attention to, despite their potential.
Regions
- North America 99%
- Europe Developed 1%
With 99% in North America, this portfolio has a severe case of home bias. It's like refusing to travel anywhere but your hometown. The world is vast, and sticking to one geographic area, especially in a global economy, is like using a flip phone in the age of smartphones. Even a 1% allocation to developed Europe feels like adding a sprinkle of pepper to an otherwise bland dish.
Market capitalization
- Large-cap 44%
- Mega-cap 26%
- Mid-cap 25%
- Small-cap 4%
- Micro-cap 1%
The market capitalization mix is like a party where the big guys take all the space, and the little guys are left standing. With a heavy lean towards big and mega-caps, this portfolio is playing it safe with the giants but missing out on the growth potential of smaller companies. It's like betting on the same horse every race because it used to be a winner.
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.
This portfolio is as optimized as a one-legged stool. It might stand up under perfect conditions, but it's not something you'd want to rely on. Diversification across asset classes, sectors, and geographies is essential for creating a portfolio that can withstand market volatility, not just ride the bull market wave.
Dividends
- Schwab U.S. Dividend Equity ETF 3.80%
- Vanguard Industrials Index Fund ETF Shares 1.10%
- Vanguard S&P 500 ETF 1.20%
- Weighted yield (per year) 1.91%
The dividend yield is decent, but relying on it heavily is like expecting a yearly birthday card from grandma to fund your retirement. Dividends are nice, but they shouldn't be the main attraction. Investing for growth and not just income could help you achieve a more balanced financial future, instead of waiting by the mailbox come dividend season.
Ongoing product costs
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard Industrials Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.05%
At least you're not throwing money out the window on fees, with a total TER of 0.05%. It's one of the few areas where this portfolio doesn't need a life jacket. Congratulations on being frugal with fees; now let's apply that wisdom to diversification and risk management.
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