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A suspiciously sensible two fund portfolio cosplaying as a moderately diversified balanced masterpiece

Report created on Mar 16, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This “portfolio” is basically the financial equivalent of a plain cheeseburger: two ingredients and calling it cuisine. Eighty percent in US total market, twenty percent in international, and that’s it. The risk label says “balanced,” but with ~99% in stocks this is not balanced; it’s an equity rocket with a tiny cash paperweight taped to the nose. Compared with common benchmarks, you’ve basically cloned a global stock index, just with a heavy US tilt. If the goal is actual balance, adding a meaningful slice of bonds or other stabilizers would turn this from “all gas” into “car with actual brakes.”

Growth Info

Historically, this thing has ripped. A 13.87% CAGR means $10k about triples in 10 years, which feels amazing… until you remember the -34.75% max drawdown. CAGR (Compound Annual Growth Rate) is just your average speed over the whole trip; max drawdown is the moment you hit the ditch. Losing a third of the portfolio value is not “balanced,” that’s genuine stock-market rollercoaster territory. Against a plain global equity index, this would look very similar: strong returns, big drops. Just remember: past data is like yesterday’s weather — helpful, but it does not swear an oath about tomorrow.

Projection Info

The Monte Carlo output basically says, “Most futures look okay, but the floor is not friendly.” Monte Carlo is just a thousand fake futures built from past volatility — a fancy way of rolling the dice on returns. Median outcome of ~378% means $10k might grow to ~$47k, but the 5th percentile at ~56% means in ugly worlds you’re barely ahead after the ride. The 989 out of 1,000 positive paths is classic for equity-heavy setups: lots of positive outcomes, but painful ranges. Simulations are guesswork based on history, not prophecy. If that downside tail keeps you up at night, dialing down equity exposure would shrink the “oh no” scenarios.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Asset class “diversification” here is basically: stocks, with a garnish of cash someone forgot to invest. Ninety‑nine percent equity is not nuance; it’s a statement: “I like volatility and I’m not afraid of watching my account swing.” Compared with a classic “balanced” 60/40 stock‑bond mix, this is straight‑up aggressive. Bonds, real assets, or even more cash would act like shock absorbers when markets slam into potholes. As is, the portfolio drives great on smooth highways and fishtails instantly on black ice. If the goal is long‑term growth and you can stomach the swings, fine — but if the word “balance” means sleep, this setup is lying to you.

Sectors Info

  • Technology
    29%
  • Financials
    15%
  • Industrials
    11%
  • Consumer Discretionary
    10%
  • Health Care
    10%
  • Telecommunications
    9%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

Sector exposure screams “index normie with a tech crush.” Roughly 29% tech plus chunky communication services and consumer cyclicals means a big piece of this portfolio depends on people buying gadgets, ads, cloud, and vibes. You’ve also got the usual seasoning of financials, industrials, and healthcare, so it’s not wildly distorted versus a broad US/global benchmark — just very much in line with “modern economy = tech and services.” The catch: when growth and tech get punched, everything in here tends to bruise at once. If that feels too boom‑bust, nudging toward more defensive or income‑heavy parts of the market could smooth the hangovers.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Japan
    3%
  • Asia Emerging
    3%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, this is “America first, everyone else gets scraps.” North America at 81% with only about 19% abroad is a strong home bias, even by US‑investor standards. Global market weights would give non‑US stocks a bigger voice. When the US leads, this looks genius; when the rest of the world outperforms, you’re basically watching from the bleachers. There is at least a token spread across Europe, Japan, and emerging Asia, so it’s not pure isolationism. Still, if the idea is to bet on global capitalism rather than one country’s stock market, gently shifting more weight overseas could reduce the “USA or bust” risk.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    31%
  • Mid-cap
    19%
  • Small-cap
    6%
  • Micro-cap
    2%

Market cap exposure is heavily tilted to the giants: 42% mega, 31% big, then a long tail of mid, small, and micro. You’ve basically hired the corporate Avengers and then thrown a handful of scrappy sidekicks in the background. That’s fine for stability and liquidity, but it means a lot of your fate is bound to a small club of mega‑names that already dominate every index. Small and mid caps are underrepresented relative to some “total market” ideals, which can mute long‑term growth and diversification. If you actually want the full economic zoo, leaning slightly more into smaller companies would spread the growth engines around.

True holdings Info

  • NVIDIA Corporation
    5.29%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    4.59%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    3.83%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    2.76%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    2.36%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.87%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.87%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.86%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    1.46%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Eli Lilly and Company
    1.06%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 26.95%

Looking through the ETFs, the top exposures read like the usual megacap fan club: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, the whole hype squad. You didn’t stock-pick them, but you still ended up hostage to their mood swings. When a handful of names drive a huge chunk of global returns, the portfolio’s fate is tied to their earnings calls and regulators’ latest bad hair day. The note about top‑10 coverage understating overlap just means there’s probably even more hidden repetition. If that concentration feels too spicy, tilting a bit away from megacap growth and toward broader or more diversified slices could tone it down.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 80.00%
    82.6%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 20.00%
    17.5%

Risk contribution is where the “two fund genius” really shows. The 80% US fund contributes 82.55% of risk — a near one‑to‑one match — while international does a little diversifying but not much. Risk contribution just tells you who’s actually driving the mood swings, not who’s listed first on the statement. Here, the US fund is the loud roommate; the international piece is the quiet one paying some rent. Top three “holdings” being 100% of risk is just saying both ETFs together are the whole story. If US corrections make you nervous, shifting a bit more weight toward non‑US or mixing in truly lower‑risk assets would reduce that single‑engine dependence.

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 a risk‑return efficiency scale, this portfolio is like showing up to a “balanced” race on a superbike. Efficient Frontier just means: for a given risk, are you getting a fair level of return? Historically, the numbers suggest you’re roughly on that frontier for pure equity — strong returns for the volatility taken. But calling it “balanced” is marketing fiction; you’re basically at the high‑risk, high‑return end of the stock spectrum. A mix with some bonds or lower‑volatility assets would likely land you closer to true efficiency for a “Profile_Balanced” label, trading a bit of upside for fewer gut‑wrenching drawdowns. Right now, it’s efficient for a daredevil, not a worrier.

Dividends Info

  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.10%
  • Weighted yield (per year) 1.50%

The total yield around 1.5% is pocket money, not a paycheck. The US fund throwing off ~1.1% and international ~3.1% gives a bit of income, but this setup clearly favors growth over cash flow. Dividends are like rent from your investments; here, the rent barely covers snacks. That’s fine if accumulation is the priority, but anyone dreaming of living off this yield alone would be in for a rude spreadsheet. If income stability is important, boosting exposure to higher‑yielding, more mature parts of the market or adding income‑oriented assets would make the cash stream less of a rounding error.

Ongoing product costs Info

  • 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) 0.03%

Costs are comically low. A total expense ratio of 0.03% is basically free in industry terms — you must have clicked the right ETFs by accident. TER (Total Expense Ratio) is the annual cut the manager takes; here, it’s less than what you’d lose in the couch cushions. Low costs quietly matter a lot over decades, because every fraction of a percent not siphoned off actually compounds for you. There’s nothing to fix here; the only caution is not to get tempted into pricier “fancy” products that don’t reliably beat this cheap, boring setup. Cheap and broad is the one place being basic totally works.

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