A near-miss at global diversification but tripped over at the tech-heavy finish line
Report created on Nov 26, 2025Risk profile
4/7
Diversification profile
4/5
Positions
-
VE Vanguard FTSE All-World ex-US Index Fund ETF Shares
VEU - US9220427754 40.00% -
VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 40.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.00%
Diving into this portfolio feels like watching someone pack for an international trip but only bringing beachwear. With 40% in the Vanguard FTSE All-World ex-US ETF and another 40% in the Vanguard Total World Stock ETF, it's like you're trying to see the world but forgot there are seasons. Then, throwing 20% into the Invesco NASDAQ 100 ETF is like deciding you only need sandals. Sure, the spread looks global, but the heavy overlap and tech tilt scream redundancy and a lack of strategy.
Growth
Historically, a 12.95% CAGR might have you feeling like Midas, but remember, past performance is as reliable as last week's lottery numbers for predicting the future. With a max drawdown of -28.75%, it's clear that your portfolio's ship can hit some pretty rough waters. Those 19 days contributing to 90% of your returns? That's like betting on a few sunny days to define the climate of an entire continent.
Projection
Monte Carlo simulations are a fancy way of saying "educated guessing," and yours suggests a wild ride with outcomes swinging more than a pendulum. A 5th percentile at 80.5% growth feels like you're barely crawling, while the 50th at 470.7% suggests you might be sprinting too fast, risking a fall. These projections are as varied as weather forecasts, meaning prepare for anything but count on nothing specific.
Asset classes
- Stocks 99%
- Cash 1%
With stocks making up 99% of your portfolio, saying you're all in on equities is an understatement. It's like entering a buffet and only filling your plate at the dessert section. Yes, it's delicious, but where's the balance? That 1% in cash might as well be the parsley garnish on the side—it's not doing much for your financial nutrition.
Sectors
- Technology 27%
- Financials 16%
- Industrials 11%
- Consumer Discretionary 11%
- Telecommunications 9%
- Health Care 7%
- Consumer Staples 5%
- Basic Materials 4%
- Energy 3%
- Utilities 3%
- Real Estate 2%
Your sector allocation leans heavily towards technology, at 27%. It's like being so enamored with your smartphone that you forget other technologies exist. Financial services and industrials are your next big bets, but with such a heavy tech tilt, it feels like you're wearing a VR headset, enjoying the view but missing out on the real world.
Regions
- North America 49%
- Europe Developed 21%
- Asia Emerging 9%
- Japan 8%
- Asia Developed 6%
- Australasia 3%
- Africa/Middle East 2%
- Latin America 1%
Geographically, this portfolio screams "home country bias" with a side of wanderlust. North America holds nearly half of your assets, and while you've sprinkled some love across Europe, Asia, and even Australasia, it's like planning a world tour and spending most of your time in the airport lounge of your departure city.
Market capitalization
- Mega-cap 48%
- Large-cap 32%
- Mid-cap 15%
- Small-cap 2%
Your love affair with mega and big-cap stocks is like having a crush on only the most popular kids in school. Sure, they're reliable and everyone knows them, but you're missing out on the potential of the underdogs—medium, small, and micro-caps. This strategy may feel safe, but it's also limiting your portfolio's growth potential and resilience.
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.
Your portfolio's attempt at efficiency might feel like trying to balance on a unicycle. Yes, it's possible, but there's a reason most people prefer bikes with two wheels. Your heavy tilt towards certain sectors and regions, combined with a near-exclusive focus on stocks, leaves your risk-return trade-off wobbling. Diversification across asset classes and a more nuanced sector and geographic spread could help stabilize your investment journey.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard FTSE All-World ex-US Index Fund ETF Shares 2.70%
- Vanguard Total World Stock Index Fund ETF Shares 1.70%
- Weighted yield (per year) 1.86%
Your dividend yield strategy seems to be whispering, not shouting, with a total yield of 1.86%. It's like expecting a drum solo and getting a finger tap on a tambourine. While not all portfolios need to be built for income, yours seems to be quietly neglecting the steady rhythm dividends can provide to your investment melody.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard FTSE All-World ex-US Index Fund ETF Shares 0.07%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Weighted costs total (per year) 0.09%
On the bright side, your total expense ratio (TER) of 0.09% is commendably low. It's like finding a luxury vacation at a budget price. In the world of investing, where every penny counts, you've managed to keep more of yours. Just make sure those savings are being put to good use and not just adding to the pile.
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