Relentlessly vanilla stock market smoothie with a token bond and a light case of home bias
Report created on May 8, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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VF VANGUARD 500 INDEX FUND ADMIRAL SHARES
VFIAX - US9229087104 80.00% -
VE Vanguard FTSE Developed Markets Index Fund ETF Shares
VEA - US9219438580 10.00% -
US WisdomTree Floating Rate Treasury Fund
USFR - US97717X6287 5.00% -
VW Vanguard FTSE Emerging Markets Index Fund ETF Shares
VWO - US9220428588 5.00%
This portfolio is basically the S&P 500 with a couple of tiny side quests. One giant US fund at 80%, a bit of developed ex-US, a spoonful of emerging markets, and a 5% “I guess we need bonds” position in floating-rate Treasuries. It’s simple, which is nice, but it’s also about as imaginative as a plain bagel. Most of the risk and outcome is just “US large caps with minor garnish.” That’s fine, just don’t pretend this is some masterclass in diversification — it’s a single dominant bet wearing a thin international costume.
Growth
Historically, this thing has been a rocket with training wheels. Turning $1,000 into $3,698 is no joke, with a 16.42% CAGR — that’s road-trip-at-illegal-speeds territory. It lagged the US market by 1.27% a year, basically the cost of not going 100% domestic, but it beat the global market by 1.82%, so the home bias actually paid off. The -32.64% max drawdown in 2020 shows it falls hard when the world panics, just like everything else. Past returns are yesterday’s weather though: helpful context, not a prophecy.
Projection
The Monte Carlo projection is where the universe reminds this portfolio it’s not special. Simulations say $1,000 most likely crawls to around $2,744 over 15 years — way less exciting than the backward-looking chart. Monte Carlo is just a fancy way of saying “we shook the market dice 1,000 times and averaged the chaos.” The range is wide: barely above $1,000 in lousy worlds, over $7,000 in great ones. Translation: this portfolio is fully exposed to equity mood swings. The future won’t care that the backtest looked pretty.
Asset classes
- Stocks 95%
- Bonds 5%
Asset-class-wise, this is 95% stocks and a lonely 5% in floating-rate Treasuries pretending to be risk control. Calling this “growth” is fair; calling it “balanced” would be comedy. The bond slice contributes basically no risk, which is both good and also evidence it’s mostly there for psychological decoration. When almost everything is in stocks, the portfolio lives and dies with equity cycles, full stop. This is less a multi-asset portfolio and more a slightly embarrassed equity portfolio holding one tiny bond fund for appearances.
Sectors
- Technology 29%
- Financials 13%
- Telecommunications 9%
- Industrials 9%
- Health Care 9%
- Consumer Discretionary 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
- Consumer Discretionary 1%
This breakdown covers the equity portion of your portfolio only.
Sector mix is classic big-index: tech towering at 29%, then financials, telecoms, industrials, and health care all loitering in single digits. It’s not a grotesquely distorted sector bet, but tech is clearly the star of the show, and when that sector sneezes, this portfolio will need tissues. The rest of the lineup is “market-like enough” that nothing screams intentional tilt. It’s more like accepting whatever the big indexes serve up, heavy tech and all, rather than actually choosing where the risk should come from.
Regions
- North America 81%
- Europe Developed 5%
- Asia Emerging 3%
- Asia Developed 2%
- Japan 2%
- Africa/Middle East 1%
- Australasia 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, this is “USA or bust” with 81% in North America and the rest sprinkled everywhere else like seasoning. Europe, Asia, Japan, and others get token appearances that barely move the needle. For a global market where a huge chunk lives outside the US, this portfolio is basically saying, “Foreign stocks can sit at the kids’ table.” That home bias worked historically versus global, but it’s still a conscious bet on one economic engine dominating. It’s not wrong; it’s just very one-note for something labelled “moderately diversified.”
Market capitalization
- Mega-cap 44%
- Large-cap 32%
- Mid-cap 17%
- Small-cap 1%
This breakdown covers the equity portion of your portfolio only.
Market cap exposure screams “index hugger.” With 44% in mega-caps and 32% in large-caps, this thing is worshipping the giants. Mid-caps get a decent 17%, and small caps are at 1%, which is rounding-error territory. So despite the fancy factor and geography stats, most of the fate here rests in a few enormous companies driving the big indexes. It’s the financial equivalent of only trusting brands you’ve seen in Super Bowl ads. Nothing inherently broken, just not exactly adventurous or diversified by company size.
True holdings
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23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.64%
Part of fund(s):- Vanguard FTSE Emerging Markets Index Fund ETF Shares
-
SS Samsung Electronics Co Ltd 0.19%
Part of fund(s):- Vanguard FTSE Developed Markets Index Fund ETF Shares
-
07 Tencent Holdings Ltd 0.18%
Part of fund(s):- Vanguard FTSE Emerging Markets Index Fund ETF Shares
-
AS ASML Holding N.V. 0.17%
Part of fund(s):- Vanguard FTSE Developed Markets Index Fund ETF Shares
-
99 Alibaba Group Holding Ltd 0.13%
Part of fund(s):- Vanguard FTSE Emerging Markets Index Fund ETF Shares
-
00 SK Hynix Inc 0.10%
Part of fund(s):- Vanguard FTSE Developed Markets Index Fund ETF Shares
-
NO Novartis AG 0.10%
Part of fund(s):- Vanguard FTSE Developed Markets Index Fund ETF Shares
-
AZ AstraZeneca PLC 0.10%
Part of fund(s):- Vanguard FTSE Developed Markets Index Fund ETF Shares
-
RO Roche Holding AG 0.10%
Part of fund(s):- Vanguard FTSE Developed Markets Index Fund ETF Shares
-
HS HSBC Holdings PLC 0.10%
Part of fund(s):- Vanguard FTSE Developed Markets Index Fund ETF Shares
- Top 10 total 1.80%
This breakdown covers the equity portion of your portfolio only.
The look-through data barely scratches 2.3% of the portfolio, but even that tiny window is loud: the usual global megacap suspects (TSMC, Samsung, Tencent, ASML, Alibaba, etc.) pop up via the international funds. Overlap is obviously understated since we only see ETF top 10s, but it still hints that the non-US slice is basically a greatest-hits compilation of famous foreign giants. No smoking gun of hidden concentration here, just confirmation this portfolio is outsourcing its non-US brain to broad, generic index products.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor-wise, this portfolio is aggressively… average. Value, momentum, quality, and low volatility all sit near “neutral,” meaning it mostly just floats with the market’s mood. The only real tilt is a mild lean away from size (more big boys, fewer smaller companies) and away from yield, so it prefers large, growthy names over high-dividend plodders. Factor exposure is like checking the ingredients label, and here the label says: “standard market recipe, extra mega-cap, hold the income.” It’s unintentionally coherent, just not particularly intentional.
Risk contribution
-
VANGUARD 500 INDEX FUND ADMIRAL SHARES
Weight: 80.00% 86.4% -
Vanguard FTSE Developed Markets Index Fund ETF Shares
Weight: 10.00% 9.1% -
Vanguard FTSE Emerging Markets Index Fund ETF Shares
Weight: 5.00% 4.4% -
WisdomTree Floating Rate Treasury Fund
Weight: 5.00% 0.0%
Risk contribution lays the truth bare: the S&P 500 fund is 80% of the weight and a beefy 86.42% of the total risk. The two international equity funds mop up basically all the rest. The floating-rate Treasury? At 0.01% of portfolio risk, it’s a mascot, not a contributor. This is what happens when one holding dominates: the others are garnish, not real diversifiers. The portfolio may look like four holdings, but in terms of actual risk behavior, it’s one big decision plus a couple of footnotes.
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 efficient frontier, this portfolio actually behaves itself. With a Sharpe ratio of 0.7 and return of 16.62% at 18.07% risk, it sits on or very near the frontier based on the given holdings. In plain English: for this particular set of funds, the current mix isn’t doing anything obviously dumb with risk versus return. The optimizer can eke out a higher Sharpe with more risk or drop risk massively with a low-return mix, but for a growth-flavored setup, this allocation is surprisingly competent. Slightly boring, but efficient.
Dividends
- WisdomTree Floating Rate Treasury Fund 4.00%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
- VANGUARD 500 INDEX FUND ADMIRAL SHARES 1.10%
- Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.40%
- Weighted yield (per year) 1.47%
The total yield is a modest 1.47%, and that’s mostly dragged up by the 4% yield on the tiny floating-rate Treasury piece and the higher yields on foreign stocks. The core S&P 500 fund coughs up just 1.1%, so this isn’t pretending to be an income machine. Dividends here are more of a side benefit than a design feature. Anyone expecting big cash flow from this lineup is basically ordering sparkling water and wondering where the cocktail is. It’s a growth-driven portfolio with pocket-change income.
Ongoing product costs
- WisdomTree Floating Rate Treasury Fund 0.15%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
- VANGUARD 500 INDEX FUND ADMIRAL SHARES 0.04%
- Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
- Weighted costs total (per year) 0.05%
Costs are the one area where this portfolio is almost suspiciously reasonable. A total TER of 0.05% is about as close to free as public markets get. The priciest thing is the floating-rate Treasury at 0.15%, which is still cheap by normal standards. This is the rare case where the investor isn’t tipping the house heavily just for the privilege of tracking broad indexes. Fees are under control — you basically assembled the Costco version of a portfolio, bulk exposure without the designer markup.
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