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A portfolio that loves tech and small caps like a kid in a candy store

Report created on Sep 22, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio is like someone took the concept of diversification, threw it in a blender with tech and small-cap ETFs, and hit puree. With over 14% in each of those three categories, it’s like betting on a trifecta at the horse races — exciting, but you might end up with nothing but a handful of torn tickets. The commitment to Vanguard is commendable, like a loyal fan to a losing team, but it's the allocation that's raising eyebrows.

Growth Info

Historically, this portfolio has strutted around with a CAGR of 12.94% like it owns the place, but that max drawdown of -34.77% is a reminder that it's walking on thin ice. It's like having a great run at the casino until you don’t. Those 31 days making up 90% of returns? That's playing financial Russian roulette. Sure, the highs are high, but it’s the lows that'll get you.

Projection Info

The Monte Carlo simulation is like telling your fortune with a crystal ball that has a crack in it. Sure, the median projection looks pretty, but the range from the 5th to the 67th percentile is like saying you might get lightly sprinkled or caught in a hurricane. It suggests that while you could be sipping champagne in retirement, there's also a chance you'll be left shaking a vending machine for dinner.

Asset classes Info

  • Stocks
    89%
  • Bonds
    5%
  • Real Estate
    5%
  • Cash
    1%

Staring at this asset class distribution is like looking at a diet consisting mostly of steak and ice cream — thrilling yet unbalanced. With stocks hogging 89% of the portfolio, it's like driving a car with the gas pedal stuck to the floor; thrilling, yes, but you’re one sharp turn away from a spectacular crash. A little more bond and real estate might not be as exciting, but it could save you from financial road rash.

Sectors Info

  • Technology
    26%
  • Financials
    16%
  • Real Estate
    13%
  • Industrials
    10%
  • Consumer Discretionary
    8%
  • Health Care
    5%
  • Telecommunications
    4%
  • Basic Materials
    4%
  • Consumer Staples
    4%
  • Energy
    3%
  • Utilities
    2%

The sector allocation is so heavily tilted towards technology and financial services that if it were a boat, it’d be capsizing. It’s like having a diet consisting solely of pizza and beer — delightful in the short term, disastrous in the long run. Real estate's presence attempts to anchor this, but it’s like using a paperweight in a tornado.

Regions Info

  • North America
    63%
  • Europe Developed
    10%
  • Japan
    6%
  • Asia Emerging
    6%
  • Asia Developed
    5%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

With a 63% allocation to North America, it seems like this portfolio has a fear of flying over oceans. It’s great to support the home team, but there’s a whole world out there. Europe and Asia are more than just vacation spots; they’re opportunities to diversify and maybe dodge some homegrown economic turmoil.

Market capitalization Info

  • Mega-cap
    28%
  • Large-cap
    20%
  • Small-cap
    17%
  • Micro-cap
    15%
  • Mid-cap
    13%

The market cap spread here is like a kid’s first attempt at a balanced diet — an admirable effort but missing the mark. Leaning heavily on mega and big caps is like trusting all your secrets to the popular kids in school; it might work out, but it’s risky. Meanwhile, the small and micro-cap fascination is akin to betting on the underdog in every race. Occasionally, it pays off, but it’s not a strategy.

Redundant positions Info

  • Vanguard International High Dividend Yield Index Fund ETF Shares
    Vanguard FTSE Developed Markets Index Fund ETF Shares
    Vanguard FTSE Europe Index Fund ETF Shares
    High correlation
  • Vanguard S&P Small-Cap 600 Index Fund ETF Shares
    Vanguard S&P Small-Cap 600 Value Index Fund ETF Shares
    High correlation

The portfolio has asset groups huddled together like cliques in a high school cafeteria, offering as much diversification as a vending machine menu. When assets move together like synchronized swimmers, it defeats the purpose of spreading your bets. It’s like buying insurance from a company that only covers accidents happening on Tuesdays in July — oddly specific and not particularly helpful.

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’s attempt at optimization is like rearranging deck chairs on the Titanic. Sure, you might find a more comfortable spot, but it doesn’t change the direction things are heading. With an optimal portfolio suggesting a higher risk for a slightly better return, it’s like being advised to play with matches instead of lighters — technically different, but you might still get burned.

Dividends Info

  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.30%
  • Vanguard Intermediate-Term Treasury Index Fund ETF Shares 3.70%
  • Vanguard FTSE Europe Index Fund ETF Shares 2.70%
  • Vanguard Short-Term Treasury Index Fund ETF Shares 4.10%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard S&P Small-Cap 600 Index Fund ETF Shares 1.40%
  • Vanguard S&P Small-Cap 600 Value Index Fund ETF Shares 1.60%
  • Vanguard Real Estate Index Fund ETF Shares 3.80%
  • Vanguard Global ex-U.S. Real Estate Index Fund ETF Shares 4.30%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard FTSE Pacific Index Fund ETF Shares 2.10%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares 2.70%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.30%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 3.10%
  • Weighted yield (per year) 1.94%

Relying on dividends from this portfolio is like expecting a fast-food job to cover a luxury lifestyle. Sure, there’s some income, but it’s not going to fund anything lavish. With an overall yield shy of 2%, it’s clear that living off dividends is more fantasy than strategy here. It’s like planning to fill a swimming pool with a garden hose.

Ongoing product costs Info

  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard Intermediate-Term Treasury Index Fund ETF Shares 0.04%
  • Vanguard FTSE Europe Index Fund ETF Shares 0.13%
  • Vanguard Short-Term Treasury Index Fund ETF Shares 0.04%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P Small-Cap 600 Index Fund ETF Shares 0.10%
  • Vanguard S&P Small-Cap 600 Value Index Fund ETF Shares 0.15%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • Vanguard Global ex-U.S. Real Estate Index Fund ETF Shares 0.12%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard FTSE Pacific Index Fund ETF Shares 0.08%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares 0.04%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Weighted costs total (per year) 0.10%

The total expense ratio (TER) of 0.10% is the silver lining in this cloud. It’s like finding out the gourmet meal you’ve been eating was priced like fast food. Low costs are great because they let you keep more of your money, but even the cheapest ticket on the Titanic wouldn’t have been a good deal. Cheap can be good, but only if it’s not leading you into an iceberg.

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