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Portfolio plays it safe with Vanguard but forgets diversification isn't just about ETF names

Report created on Aug 16, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Your portfolio is like a salad with only four types of vegetables, all from the same family. You've got a quarter of your money in each: small-cap growth, international (excluding the US), S&P 500, and mid-cap growth ETFs. While you might think you've got the globe and market cap covered, it's like claiming you're a culinary genius because you can make toast. Broad diversification doesn't just mean picking different ETFs; it's about ensuring those ETFs aren't just variations on a theme.

Growth Info

Let's talk about your portfolio's historic performance, shining with a CAGR of 11.82%. Impressive, right? But then there's that max drawdown of -35.43%, which is like boasting about running a marathon while omitting the part where you collapsed halfway through. Your portfolio's days of glory are concentrated in just 24 days, making your investment success seem more like a lucky streak at a Vegas slot machine than a well-thought-out strategy.

Projection Info

Monte Carlo simulations suggest a wild ride ahead with a potential 321.6% median increase. Remember, Monte Carlo is like weather forecasting for your money, useful but not foolproof. It assumes the future can be guessed by shaking a magic eight ball filled with past data. While the simulations show mostly sunny skies, with 976 out of 1,000 turning up positive, don't forget to pack an umbrella for those stormy days it might miss.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

With 99% in stocks and a token 1% in cash, your portfolio is like a drag racer fueled by nitro: thrilling but with a high chance of a spectacular crash. Diversification across asset classes is like having both a parachute and an airbag. Right now, if the stock market sneezes, your portfolio is catching a cold, no questions asked.

Sectors Info

  • Technology
    24%
  • Industrials
    16%
  • Financials
    13%
  • Consumer Discretionary
    11%
  • Health Care
    11%
  • Telecommunications
    6%
  • Consumer Staples
    4%
  • Real Estate
    4%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%

Your sector allocation has a tech-heavy tilt at 24%, which isn't surprising but is risky. It's like loading up your plate with bacon at the breakfast buffet every day; it's great until your arteries disagree. Balancing out with more consumer staples or utilities could be like adding some fruit and yogurt to that breakfast plate – less exciting, but you'll thank yourself later.

Regions Info

  • North America
    76%
  • Europe Developed
    10%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

With 76% in North America, your portfolio is like someone who's heard about international travel but thinks it's just too risky. Diversifying globally doesn't mean just stepping over the border. While you've got some international exposure, branching out could reduce your portfolio's vulnerability to domestic market swings and potentially tap into growth elsewhere.

Market capitalization Info

  • Mid-cap
    35%
  • Mega-cap
    24%
  • Large-cap
    22%
  • Small-cap
    14%
  • Micro-cap
    2%

Your market cap spread shows a love for the middle, with a tilt towards the young and restless (small and mid-caps). It's like preferring indie bands over classic rock or pop – potentially more rewarding, but definitely riskier. Remember, smaller companies can be like roller coasters; thrilling climbs but terrifying drops.

Redundant positions Info

  • Vanguard Small-Cap Growth Index Fund ETF Shares
    Vanguard Mid-Cap Growth Index Fund ETF Shares
    High correlation

The high correlation between your small-cap and mid-cap growth funds is like buying tickets to the same movie in two different theaters. Sure, you're diversifying your location, but the show's the same. This redundancy doesn't just cost you extra popcorn money; it means you're missing out on other genres that could enrich your portfolio's plot.

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 diversification is like trying to make a fruit salad with four types of apples. Sure, they're all different, but it's not quite the culinary masterpiece you think it is. The high correlation between your small-cap and mid-cap growth funds is a missed opportunity for true diversification. It's time to introduce some new flavors to the mix, not just variations on the same theme.

Dividends Info

  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.50%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 2.70%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.60%
  • Weighted yield (per year) 1.25%

Your dividend yield is sitting pretty at an average of 1.25%, which isn't nothing but also isn't going to fund a lavish retirement. It's like finding a dollar on the sidewalk; nice when it happens, but you're not quitting your day job. If income is a goal, looking beyond growth to some income-generating assets might be wise.

Ongoing product costs Info

  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 0.07%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.06%

At least on costs, you've nailed it with an average TER of 0.06%. It's like finding a luxury car at a used sedan price. Low fees mean more of your money is working for you rather than lining the pockets of fund managers. Kudos for being cost-conscious, a silver lining in a portfolio that needs a bit more strategic thought.

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