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A portfolio that thinks diversification is just a word in the dictionary

Report created on Aug 6, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio screams "safe bets only, please!" with a whopping 45% in a Vanguard S&P 500 ETF and another 33% cuddling with Schwab U.S. Dividend Equity ETF. The adventurous 22% allocated to the iShares China Large-Cap ETF is like dipping a toe into international waters while wearing a life jacket. It's like betting on black and red at the roulette table but ignoring all the other numbers and colors. The term "moderately diversified" is a bit of a stretch here; it's more like "barely diversified."

Growth Info

Historically, this portfolio has strutted around with a CAGR of 11.15%, which isn't too shabby until you notice the max drawdown of -31.58%. That's like enjoying a nice roller coaster ride until it suddenly drops, and you remember you're afraid of heights. Those 24 days making up 90% of returns? That's the financial equivalent of cramming for finals in college and hoping for the best.

Projection Info

Monte Carlo simulations, which are less about gambling in Monaco and more about predicting future uncertainty, suggest this portfolio has a wide range of outcomes. With a median projection of 188.6% growth, it sounds promising until you remember it could also plummet by -27.1%. It's like saying, "You might end up sipping cocktails on a yacht or fishing for your dinner."

Asset classes Info

  • Stocks
    100%

Stocks, stocks, and more stocks. With 100% of the portfolio in equities, it's like going to an all-you-can-eat buffet and only hitting the dessert section. Sure, it's delicious and fun at first, but it's not a balanced diet. A sprinkle of bonds or real estate might help smooth out the sugar rush.

Sectors Info

  • Technology
    20%
  • Financials
    16%
  • Consumer Discretionary
    15%
  • Health Care
    10%
  • Telecommunications
    10%
  • Consumer Staples
    9%
  • Energy
    9%
  • Industrials
    7%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

The sector allocation is like a party that everyone popular showed up to—technology, financial services, consumer cyclicals. However, with such heavy bets on high-flying sectors, it's a bit like a party where the music's too loud. When the market's mood changes, this portfolio might be left cleaning up the mess.

Regions Info

  • North America
    78%
  • Asia Emerging
    22%

With 78% in North America and a spice of 22% in Asia Emerging, it’s like saying, “I love international cuisine” because you have soy sauce in your pantry. Completely ignoring Europe, Latin America, and developed Asia is like planning a world tour but only visiting your neighbor's house.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    35%
  • Mid-cap
    19%
  • Small-cap
    2%

This portfolio loves the big players, with 42% in mega and 35% in big caps. It's like always rooting for the home team because you're scared to support the underdog. Sure, it feels safer, but sometimes the small and micro caps are where the real games are won.

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.

The Efficient Frontier, which isn't some sci-fi movie boundary, suggests there's a better mix out there. With the potential for a 14.45% return at the same risk, this portfolio is like settling for coach when there are business class seats available for the same price. Sometimes, it pays to reevaluate your ticket.

Dividends Info

  • iShares China Large-Cap ETF 2.60%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 2.37%

Leaning on dividends from these ETFs, with a total yield of 2.37%, is like relying on your rich uncle's birthday checks to pay your rent. It's a nice bonus, but probably not enough to live on. Relying too much on dividends can be risky if market conditions change and companies cut payouts.

Ongoing product costs Info

  • iShares China Large-Cap ETF 0.74%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.20%

The total TER of 0.20% is like finding a cheap coffee in a tourist trap—surprisingly reasonable. It's one of the few areas where this portfolio doesn't overindulge. Low costs are great because they let you keep more of your returns, unlike that friend who always "forgets" their wallet.

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