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A rollercoaster ride of small caps and dividends pretending it's a diversified portfolio

Report created on May 3, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Let's start with the elephant in the room: 40% in a total stock market ETF is like saying you're adventurous because you once added pepper to your eggs. The rest of the portfolio screams, "I heard small caps and dividends are cool," without much thought on how they all play together. It's like assembling a football team with only quarterbacks and kickers. Sure, you'll score some points, but good luck when the game isn't just throwing long passes or field goals.

Growth Info

With a CAGR of 17.28%, this portfolio has been the financial equivalent of a teenager on a sugar rush — impressive but unsustainable. Relying on such a narrow slice of days for the bulk of returns is like betting your retirement on winning the lottery. Sure, the past performance has been a sweet ride, but it's about as reliable as a chocolate teapot.

Projection Info

The Monte Carlo simulation might look promising with its optimistic 50th percentile at nearly 800% growth, but let's not forget that Monte Carlo is also famous for its casinos — and for a good reason. Betting the farm on simulations is a bit like planning your budget around winning at blackjack. Remember, simulations are educated guesses, not crystal balls.

Asset classes Info

  • Stocks
    100%

Having 100% in stocks is like going to a buffet and only eating dessert. Sure, it's delicious and fun at first, but eventually, you're going to wish you had some vegetables. Zero in bonds, cash, or anything resembling a safety net? That's not balanced; that's financial skydiving without a parachute.

Sectors Info

  • Financials
    19%
  • Technology
    17%
  • Industrials
    13%
  • Consumer Discretionary
    12%
  • Health Care
    9%
  • Energy
    8%
  • Consumer Staples
    7%
  • Telecommunications
    6%
  • Basic Materials
    5%
  • Utilities
    2%
  • Real Estate
    2%

The sector spread here isn't terrible, but it's like seasoning your dinner with only salt and pepper when there's a whole spice rack available. Financial services and tech are the salt and pepper of the investment world — essential, yes, but not enough to make a meal. Diversifying into more sectors would be like discovering cumin and coriander — a whole new world of flavors.

Regions Info

  • North America
    73%
  • Europe Developed
    15%
  • Japan
    7%
  • Australasia
    2%
  • Asia Developed
    1%
  • Africa/Middle East
    1%

With 73% in North America, this portfolio has a home-cooked meal vibe in a world of global cuisine. It's cozy and familiar but ignores the exotic flavors of international markets. Expanding your palate could mean tasting the sweet (and sometimes spicy) returns of emerging and developed markets outside the American comfort zone.

Market capitalization Info

  • Mega-cap
    27%
  • Large-cap
    25%
  • Mid-cap
    19%
  • Small-cap
    17%
  • Micro-cap
    11%

The cap-size distribution is like someone who shops for clothes and only buys extremes — either baggy or skin-tight. With a hefty chunk in mega and big caps but a flirtatious eye on small and micro caps, it's a wardrobe that's confused about the occasion. A more measured approach to cap sizes could prevent your portfolio from looking like it dressed in the dark.

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 car, it'd be a Frankenstein's monster of parts that somehow moves but isn't winning any races. The Efficient Frontier is a concept that suggests there's an ideal mix of risk and return, but this portfolio looks like it was thrown together based on a magazine article's advice rather than thoughtful analysis. It's time to go back to the drawing board and find a mix that truly balances risk and reward.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Avantis® U.S. Small Cap Value ETF 1.90%
  • BNY Mellon International Equity ETF 2.70%
  • Schwab U.S. Dividend Equity ETF 4.00%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.30%
  • Weighted yield (per year) 2.22%

Leaning heavily on dividends is like being obsessed with collecting coupons. Yes, it's nice to save a few bucks here and there, but if that's your entire strategy, you're missing out on the big picture. A 2.22% yield is decent, but don't forget growth potential — it's like focusing on the appetizers and forgetting there's a main course.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • BNY Mellon International Equity ETF 0.04%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.11%

The total TER of 0.11% is impressively low, which is the portfolio's saving grace. It's like finding a cheap, yet surprisingly good wine — it does the job without breaking the bank. However, don't let the low costs distract you from the overall imbalance. Even the cheapest wine can give you a headache if you drink too much of it.

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