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A portfolio that loves playing it safe until it doesn't

Report created on Jul 30, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is like that one friend who claims to love variety but only ever orders chicken tenders at every restaurant. With a whopping 58.34% in the Schwab U.S. Broad Market ETF, it's clear where the comfort zone lies. Diversification seems to be more of a buzzword here than a practice, given the heavy tilt towards just a few ETFs. While the attempt to sprinkle in some international flavor with the Schwab International Equity ETF and others is commendable, it's like adding a dash of pepper to those chicken tenders and calling it a culinary adventure.

Growth Info

Looking at the historical performance, with a CAGR of 14.93%, this portfolio has been the hare in the race, but remember, Aesop taught us how that story ends. The max drawdown of -36.69% is a stark reminder that what goes up must come down—sometimes with the elegance of a swan dive and other times like a belly flop. Relying on those 16 golden days for the bulk of returns is akin to betting your retirement on hitting those green lights all the way home.

Projection Info

Monte Carlo simulations suggest this portfolio could either be your ticket to early retirement or a lesson in humility, with a spread from 26.1% to 609.0% in outcomes. It's like forecasting the weather by looking out the window; sure, it's sunny now, but that doesn't mean you shouldn't pack an umbrella. The high correlation between certain assets adds about as much diversification as wearing two left shoes does for fashion diversity.

Asset classes Info

  • Stocks
    100%

All in on stocks, huh? This portfolio throws caution to the wind with a 100% allocation to equities, making it as balanced as a one-legged yoga pose. With no bonds, cash, or "other" to speak of, it's like sailing the high seas without a life jacket. Sure, the view might be fantastic, but you'll be wishing for a safety net when the storm hits.

Sectors Info

  • Technology
    23%
  • Financials
    18%
  • Industrials
    13%
  • Consumer Discretionary
    12%
  • Health Care
    8%
  • Telecommunications
    7%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    5%
  • Real Estate
    2%
  • Utilities
    2%

Tech and financial services heavy, this portfolio is betting big on the Silicon Valley and Wall Street love affair continuing unabated. With over 40% in just these two sectors, it's like having a diet consisting solely of steak and ice cream—thrilling at first, but lacking in nutritional balance. Diversification across sectors is more than just a nice-to-have; it's your dietary fiber in the feast of investing.

Regions Info

  • North America
    72%
  • Europe Developed
    14%
  • Japan
    7%
  • Australasia
    2%
  • Asia Developed
    2%
  • Asia Emerging
    1%
  • Africa/Middle East
    1%

North America-centric much? With 72% of assets parked in the home turf, this portfolio has the geographic diversity of a high school prom in a small town. Venturing into international waters with a mere 28% allocation is like dipping a toe in the pool and claiming you went swimming. The world is vast, and opportunity doesn't stop at the border.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    24%
  • Mid-cap
    20%
  • Small-cap
    13%
  • Micro-cap
    7%

A mix of mega, big, medium, small, and micro caps, this portfolio tries to play the field but ends up with an awkward lean towards the giants. With a tilt towards bigger companies, it's like preferring blockbuster movies over indie films; sure, the former are reliable, but you're missing out on potential gems hidden in the smaller names.

Redundant positions Info

  • Schwab International Equity ETF
    Vanguard Total International Stock Index Fund ETF Shares
    High correlation

The high correlation between the Schwab International Equity ETF and the Vanguard Total International Stock Index Fund ETF Shares is like owning two different brands of plain white T-shirts. They might look slightly different at a glance, but they do the same job. This redundancy doesn't add value or diversification; it's just clutter under the guise of variety.

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.

Before you even think about optimizing for the Efficient Frontier, let's talk about the elephant in the room: asset correlation. Holding highly correlated assets is like having a backup generator that runs on the same power grid as your house. It defeats the purpose. Streamlining these overlapping investments could be the first step towards a portfolio that's not just diversified in name but in function as well.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Schwab U.S. Broad Market ETF 1.20%
  • Schwab International Equity ETF 2.60%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.82%

The dividend yields here are like finding loose change under the couch cushions; nice to have but not enough to fund a shopping spree. With an overall yield of 1.82%, it's more of a gentle pat on the back than a robust income stream. In a portfolio that's riding the stock market rollercoaster, a stronger focus on dividends might provide a more comfortable seat.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Broad Market ETF 0.03%
  • Schwab International Equity ETF 0.06%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.10%

At least you're not throwing money out the window with high fees. With a total expense ratio (TER) of just 0.10%, you're navigating the cost-efficient route through the investing highway. It's a small victory, but in a portfolio that sometimes feels like a wild goose chase, saving on fees is like finding a shortcut.

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