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A portfolio that thinks global but acts local with a side of S&P 500 redundancy

Report created on Aug 22, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is like ordering two different combo meals only to find out they both come with the same side of fries. With 70% in a global stock ETF and 30% in an S&P 500 ETF, it's as if the left hand doesn’t know what the right hand is doing. You’ve got global exposure, then doubled down on the US market as if you forgot the global fund already covers it. This is not diversification; it's duplication with extra steps.

Growth Info

The historical performance might look appealing with a CAGR of 13.45%, but let's not get carried away. Remember, past performance is like being the high school quarterback — great at the time, but not necessarily indicative of future success. The -34.09% max drawdown is a stark reminder that what goes up can come down hard, and relying heavily on past glory days won’t cushion the fall.

Projection Info

Monte Carlo simulations are essentially educated guesses on steroids, and this portfolio's projection has a wide range of outcomes. Sure, the 50th percentile suggesting a 501.9% increase sounds like a dream, but remember the 5th percentile at 87.6% — it's the financial equivalent of expecting a gourmet meal and getting airplane food. Diversification helps smooth out these bumps, but your two ETFs are holding hands through the turbulence.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Stocks, stocks, and more stocks. With 99% in equities and a token 1% in cash, this portfolio is like driving a sports car on ice — thrilling but risky. The lack of asset class diversity amplifies your risk, making any market downturn an adrenaline-pumping ride. Some bonds or real estate might not be as sexy but could save your portfolio from a crash.

Sectors Info

  • Technology
    28%
  • Financials
    16%
  • Consumer Discretionary
    11%
  • Industrials
    10%
  • Health Care
    9%
  • Telecommunications
    9%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    2%

Your sector allocation reads like a tech enthusiast's wish list, with a heavy 28% in technology. It's like betting on black because it hit once. Yes, tech has been a powerhouse, but financial markets are cyclical. Ignoring this can turn your tech-heavy bet into a regret when the next sector takes the lead. Diversifying across sectors isn't just advice; it's a survival tactic.

Regions Info

  • North America
    30%

Claiming to be a world traveler with this portfolio is like visiting the Eiffel Tower and claiming you've seen Europe. With a whopping 30% in North America and glaring zeroes in Europe and Asia, your "global" exposure is heavily Americanized. It's a missed opportunity to benefit from global growth dynamics and diversify away from US-centric risks.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    32%
  • Mid-cap
    18%
  • Small-cap
    4%
  • Micro-cap
    1%

Your market cap distribution is like a party where mega and big caps are hogging the dance floor. Sure, the 44% mega and 32% big caps bring stability, but the small and micro caps are barely getting a look in. This conservative tilt limits potential high-growth opportunities from smaller companies, making your portfolio a somewhat dull party guest.

Redundant positions Info

  • Vanguard Total World Stock Index Fund ETF Shares
    Vanguard S&P 500 ETF
    High correlation

The correlation between your two ETFs is like buying two different brands of plain yogurt and expecting a flavor explosion. High correlation means when one ETF sneezes, the other catches a cold, offering little in the way of risk management. Diversification doesn't just mean owning different things; it means owning different things that behave differently.

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 idea of optimization is like trying to improve a recipe by adding more of the same ingredient. Overlapping assets don't just add unnecessary complexity; they bring you back to square one on diversification. Before you even think about "optimizing," consider diversifying properly. It's not just about having different investments; it's about having investments that complement each other.

Dividends Info

  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Weighted yield (per year) 1.55%

With an average yield of 1.55%, your portfolio's dividend strategy is like expecting a trickle from a faucet to fill a pool. It's there, but it's not going to make a big splash in your income stream. Focusing solely on growth might look good on paper, but incorporating higher-yielding assets could provide a steady cash flow, padding your portfolio during market dips.

Ongoing product costs Info

  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.06%

At least you're frugal with your investments, sporting a total TER of 0.06%. It's like finding a luxury car with the fuel efficiency of a compact — impressive and rare. This is one of the few bright spots in a portfolio that needs a diversified diet, not just a lean expense ratio.

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