Roast mode 🔥

Quiet factor nerd portfolio secretly cosplaying as a plain vanilla index hugger

Report created on Mar 27, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

Structurally this thing looks boring at first glance: five ETFs and a wall of stocks at 100%. But underneath the “I just bought broad funds” costume, you’ve smuggled in some pretty aggressive tilts. Forty percent is tied to the total US market like a default 401(k), then you slam 35% into small-cap value between home and abroad, and toss in 5% of “quality” like a multivitamin. It’s oddly barbell: one big generic core plus a couple of loud factor bets. Takeaway: this is not a casual set-and-forget blend; it behaves more like a closet quant experiment wearing a Vanguard hoodie.

Growth Info

CAGR first: 13.74% a year since 2019 turned $1,000 into $2,147. Respectable. You slightly lagged the US market’s 14.38% but comfortably beat the global market’s 11.92%. Translation: you traded a bit of pure US juice for factor spice and international ballast. Max drawdown at -37.44% vs around -34% for the benchmarks says you signed up for just as much stomach pain, with only marginal payoff over global and a bit less than straight US. And those returns rely on just 18 critical days for 90% of gains — classic “miss a few good days and cry later” pattern. Past data is basically yesterday’s weather: decent hint, lousy crystal ball.

Asset classes Info

  • Stocks
    100%

Asset classes: 100% stocks, 0% anything else. No bonds, no cash buffer, no diversifiers — just raw equity exposure turned up to “hope you like drawdowns.” That’s fine if the horizon is long and the nerves are made of steel, but for anyone needing near-term stability this is a full-send choice. It’s basically a portfolio that assumes jobs never get lost, emergencies never happen, and sleep is optional during bear markets. General takeaway: if all your risk budget is in stocks, the rest of your life (cash reserves, job security, other assets) better be doing the boring heavy lifting.

Sectors Info

  • Technology
    19%
  • Industrials
    16%
  • Financials
    16%
  • Consumer Discretionary
    11%
  • Health Care
    8%
  • Basic Materials
    8%
  • Telecommunications
    6%
  • Energy
    5%
  • Consumer Staples
    5%
  • Real Estate
    3%
  • Utilities
    3%

Sector-wise, this is surprisingly sane for a factor-heavy portfolio. Tech is 19% — not “I live on Reddit” levels, more like “I grudgingly acknowledge innovation.” Industrials and financials both at 16% hint you’re quietly betting on the boring, cyclical backbone of the economy instead of just shiny apps. Health care, materials, and telecom round it out decently, with real estate and utilities barely on the map. The roast: for someone running value and small-cap tilts, this is almost disappointingly reasonable; no wildcard sector obsession, no single-theme addiction. Takeaway: sector risk isn’t the thing that will hurt you here — it’s the factor bets and equity-only stance.

Regions Info

  • North America
    64%
  • Europe Developed
    15%
  • Japan
    10%
  • Asia Developed
    4%
  • Asia Emerging
    3%
  • Australasia
    3%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, this screams “I know the world exists but I still trust the US the most.” Sixty-four percent in North America is heavy but not insane, especially for a US-based investor. Europe, Japan, and other developed areas get modest representation, with emerging regions barely a rounding error. So it’s “America first, everyone else gets the crumbs,” but at least the crumbs are spread around. The upside: you avoid going full home-country cult. The downside: if US valuations ever really deflate or non-US regions actually wake up, your global diversification help is there, just on half power. Still, it’s more grown-up than many US-centric setups.

Market capitalization Info

  • Mid-cap
    28%
  • Mega-cap
    26%
  • Large-cap
    20%
  • Small-cap
    20%
  • Micro-cap
    4%

The market-cap mix is where your inner nerd really shows: 26% mega-cap, 20% large, 28% mid, 20% small, and even 4% micro. Translation: you didn’t just buy the giants and go home — you invited the scrappy, volatile weirdos too. That small and micro chunk means higher volatility and more tracking error versus a plain market index. It’s like mixing blue-chip stocks with a bunch of internship-stage companies and hoping overall they behave. Takeaway: this is a deliberate “size” tilt. Just remember smaller caps can lag big names for painfully long stretches while still giving you the same emotional roller coaster.

True holdings Info

  • NVIDIA Corporation
    2.47%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    2.44%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard U.S. Quality Factor
  • Microsoft Corporation
    1.76%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.22%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.10%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    0.91%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.86%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    0.85%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    0.69%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.68%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Top 10 total 12.99%

Your look-through is basically the Magnificent Seven plus friends crashing the party through multiple ETFs. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla — all show up via index exposure even though you pretend to be a value-and-small-cap enjoyer. That’s hidden concentration 101: different tickers, same underlying rockstars. And remember, this is only using ETF top-10s, so overlap is almost certainly understated. Think of it as ordering five different combo meals and discovering they all come with the same fries. Takeaway: you’re less diversified at the single-company level than the fund count suggests, even if it’s not catastrophic.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 35%
Size
Exposure to smaller companies
Very high
Data availability: 80%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Very high
Data availability: 5%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure is where this thing goes full power-user. Value, size, and quality all at 85% exposure is like shouting, “I read too many investing papers.” Size and value say you like cheap, smaller companies; quality says you at least want them not to be total dumpster fires. Momentum and low volatility sit around the middle — you’re not chasing rockets, but you’re not bubble-wrapping either. Factor exposure is basically the ingredient label for what drives returns underneath the brand names. Roast: this is a factor smoothie that might be more deliberate than necessary. It’ll shine in value/small-cap comebacks and look stubbornly “wrong” in long growth manias.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 40.00%
    40.6%
  • Avantis® International Small Cap Value ETF
    Weight: 20.00%
    18.3%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 20.00%
    18.0%
  • Vanguard Small-Cap Value Index Fund ETF Shares
    Weight: 15.00%
    17.7%
  • Vanguard U.S. Quality Factor
    Weight: 5.00%
    5.4%

Risk contribution tells you who’s actually rocking the boat, not just who’s taking up the most space. Your total US market ETF is 40% weight and contributes 40.62% of risk — a near one-to-one bully. The international and international small value positions together push total risk to about 77% from the top three holdings alone. The overachiever is your US small-cap value slice: 15% weight but 17.69% of risk — that’s a lot of drama per dollar. Takeaway: if one day you decide to dial back pain without changing the overall style, trimming the loudest risk hogs (especially smaller, punchier funds) would move the needle fast.

Redundant positions Info

  • Vanguard Small-Cap Value Index Fund ETF Shares
    Vanguard U.S. Quality Factor
    High correlation

Correlation is just how often things move together — like how your mood and the stock market somehow sync. Your highly correlated pair is Vanguard Small-Cap Value and Vanguard U.S. Quality Factor, which means those “different” holdings are kind of vibing to the same market song. When one stumbles, the other is likely not far behind. High correlation isn’t evil, it’s just bad at helping when everything tanks at once. Think of it as having several umbrellas that all fail in the same kind of storm. Takeaway: if you ever want true smoothing of the ride, you’d need more genuinely independent return streams, not just new tickers.

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.

On the risk–return chart, your portfolio is basically sitting below where it could be. You’re running 19.65% volatility for 13.89% return and a Sharpe of 0.6. The optimal mix of the same ingredients hits 15.24% return at slightly *lower* risk (19.08%) with a Sharpe of 0.75. Same-risk optimization looks even spicier at 15.30% return. Translation: you’re leaving return on the table while taking more risk than necessary, using the *exact* same funds. That’s like cooking with great ingredients and still under-salting the dish. Takeaway: smarter reweighting — not new products — could make the whole setup more efficient without changing your overall style.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.10%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1.90%
  • Vanguard U.S. Quality Factor 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 2.04%

A 2.04% total yield is comfortably “I like getting paid a little” rather than “I live off coupons like it’s 1985.” Your higher-yield pieces are the international and international small value funds around 3%, while the US core and quality funds hang near 1.2–1.9%. This is growth-first, income-second — which actually matches the risk profile. The roast: if someone looked at this and thought “dividend strategy,” they need new glasses. Takeaway: dividends here are a side benefit, not a core feature, and that’s fine. Just don’t mentally treat the yield as some stable paycheck — payouts can and do shrink during ugly cycles.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard U.S. Quality Factor 0.13%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.11%

Costs at a blended 0.11% TER are suspiciously low for a portfolio with this much factor personality. You’ve got the cheap Vanguard mothership funds dragging average fees down while Avantis international small value quietly charges 0.36% to do the fun stuff. It’s like flying business class but getting billed for economy. Roast: you almost definitely don’t appreciate how good you have it here — many people pay more for funds that just closet-hug indexes. Takeaway: with costs this low, performance issues in the future won’t be because of fees; they’ll be because markets don’t care about your factor backtests.

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