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Half-asleep cash hoard occasionally remembers stocks exist and dabbles randomly

Report created on Aug 6, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Structurally this “portfolio” is basically a Treasury money market fund with some international equity stickers slapped on top. Two thirds is parked in ultra-short Treasuries while the remaining third is scattered across a mishmash of global equity ETFs plus two spicy chip stocks that look like they wandered in from someone else’s growth account. It’s cautious all right, but it’s also weirdly busy for something that’s mostly cash. The result is a split personality: one side obsessively safe, the other side throwing darts around the world. That kind of half-committed structure tends to produce performance that never fully enjoys bull markets yet still finds ways to introduce drama.

Growth Info

Historically, the portfolio turned $1,000 into $2,243 with a 14.03% CAGR. Sounds impressive until the benchmarks stroll in: the US market did 17.30% and the global market 15.38%. So you got almost all the ride, but with a slower engine. Max drawdown of -15.6% was gentler than the benchmarks’ -24–26% falls, so the giant cash pillow did its job. CAGR, by the way, is just “your average speed over the whole trip.” Past data is still yesterday’s weather: useful, but if markets change, this careful but underpowered setup can easily keep trailing the broad indices.

Projection Info

The Monte Carlo simulation basically asks, “What if history rolled a thousand different ways?” and then lets the portfolio live through them. Median outcome after 15 years is $2,179 from $1,000, with a pretty meh 5.51% annualized. The “possible” range runs from $1,317 to $3,690, but the bulk of paths are cramped between mildly okay and underwhelming. For comparison, the assumed pure cash path ends around $1,839, so this whole construction is only buying a bit of extra upside for taking equity risk. Simulations aren’t prophecy, but they’re clear on one thing: this portfolio is not exactly engineered for explosive growth.

Asset classes Info

  • Cash
    64%
  • Stocks
    36%

Asset class split: 64% cash-like Treasuries and 36% stocks. That’s less a balanced portfolio and more a security blanket with some equities stapled on. The cash chunk is great for sleeping at night, not so great for compounding over years. In asset-class terms, this is like entering a marathon in full body armor: yes, you’re protected, but you’re also not winning many races. Over long horizons, returns usually come from owning actual risk assets; here, most of the capital is basically idling in government IOUs while a minority of stocks is left to pull all the performance weight.

Sectors Info

  • Cash
    64%
  • Technology
    12%
  • Financials
    7%
  • Industrials
    4%
  • Health Care
    2%
  • Consumer Discretionary
    2%
  • Consumer Staples
    2%
  • Basic Materials
    2%
  • Telecommunications
    2%
  • Energy
    1%
  • Utilities
    1%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector “diversification” is mostly an illusion because 64% is labeled as cash. The remaining slice spreads across almost everything, but in tiny diluted doses: technology, financials, industrials, staples, telecom, you name it, all showing up like cameo appearances. No sector stands out as a deliberate tilt; instead, it looks like a broad index was downsized and then buried under a mountain of Treasuries. The tech exposure is decent on paper, but given how little overall equity there is, it’s more of a seasoning than a main course. Sector-wise, this isn’t a focused bet or a clever tilt — just a faint echo of global equity indexes.

Regions Info

  • Cash
    64%
  • Europe Developed
    12%
  • North America
    10%
  • Asia Emerging
    6%
  • Asia Developed
    3%
  • Japan
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the actual investing part of the portfolio is heavily ex-US, while the risk label calls it “cautious.” With 64% in cash, the remaining 36% leans more toward Europe and broader non-US markets than a typical US investor setup. “America or bust” this is not; it’s more “America… but mostly not, and also partially in T-bills.” The global spread across developed Europe, Asia, emerging markets, and a modest 10% North America within the equity slice is surprisingly worldly for something anchored in cash. The trade-off: when non-US markets lag, the portfolio quietly underperforms while the Treasuries just stand there doing nothing but clipping short-term yields.

Market capitalization Info

  • Mega-cap
    20%
  • Large-cap
    9%
  • Mid-cap
    5%
  • Small-cap
    1%

This breakdown covers the equity portion of your portfolio only.

On market cap, the equity piece sticks to the big kids: 20% mega-cap, 9% large-cap, with only scraps in mid and small caps. That’s very “index tourist” with almost no appetite for the more volatile small fry. For a cautious stance, that’s consistent, but it also means the portfolio is outsourcing most of its equity behavior to the same giant global names everyone already owns. The small- and mid-cap weights are so low they barely move the needle. So when big global leaders wobble, this thing feels it; when smaller companies boom, it mostly watches from the sidelines while holding its Treasuries.

True holdings Info

  • BlackRock Cash Funds Treasury SL Agency
    4.73%
    Part of fund(s):
    • iShares 0-3 Month Treasury Bond ETF
  • Taiwan Semiconductor Manufacturing
    3.38%
  • Micron Technology Inc
    2.69%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    Direct holding 2.57%
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.00%
    Part of fund(s):
    • Vanguard FTSE All-World ex-US Index Fund ETF Shares
    • Vanguard FTSE Emerging Markets Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
  • ASML Holding N.V.
    0.48%
    Part of fund(s):
    • Vanguard FTSE All-World ex-US Index Fund ETF Shares
    • Vanguard FTSE Europe Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
  • NVIDIA Corporation
    0.44%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Apple Inc.
    0.39%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Samsung Electronics Co Ltd
    0.26%
    Part of fund(s):
    • Vanguard FTSE All-World ex-US Index Fund ETF Shares
    • Vanguard FTSE Pacific Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
  • Microsoft Corporation
    0.25%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • HSBC Holdings PLC
    0.25%
    Part of fund(s):
    • Vanguard FTSE All-World ex-US Index Fund ETF Shares
    • Vanguard FTSE Europe Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
  • Top 10 total 13.86%

This breakdown covers the equity portion of your portfolio only.

The look-through data is thin (only 17.5% coverage), but even from that sliver a theme emerges: a hidden tech-chip crush plus a big slug of cash-like instruments. Taiwan Semiconductor shows up twice (direct stock plus ETF exposure), and Micron sneaks in both directly and via ETFs. Add ASML, NVIDIA, Samsung, Apple, and Microsoft on top, and beneath the “cautious” label lurks a not-so-subtle semiconductor and mega-tech dependency. Overlap is likely understated since we only see ETF top 10s. In practice, those overlapping chips can make this supposedly sedate portfolio unexpectedly sensitive to one industry’s mood swings while the rest of the holdings sit there collecting T-bill interest.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 36%
Size
Exposure to smaller companies
Neutral
Data availability: 36%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 36%
Quality
Preference for financially healthy companies
High
Data availability: 36%
Yield
Preference for dividend-paying stocks
High
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 36%

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, the profile is sneakily coherent: quality and yield both screen “high,” while everything else sits around neutral. Factors are the hidden ingredients — value, size, momentum, quality, yield, low volatility — that explain why returns behave the way they do. Here, quality high plus yield high says this portfolio really wants boringly solid, dividend-y stuff and is not chasing speculative lottery tickets. That meshes with the huge Treasury allocation: safety worship with a side of income. It’s not a crazy factor cocktail; if anything, it’s a bit too sensible. The downside is that in roaring, junk-led rallies, this setup tends to lag while quietly collecting its coupons and dividends.

Risk contribution Info

  • Vanguard FTSE Europe Index Fund ETF Shares
    Weight: 9.18%
    22.2%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 6.94%
    16.3%
  • Micron Technology Inc
    Weight: 2.57%
    15.1%
  • Taiwan Semiconductor Manufacturing
    Weight: 3.38%
    15.0%
  • Vanguard S&P 500 ETF
    Weight: 5.85%
    13.0%
  • Top 5 risk contribution 81.7%

Risk contribution tells you which positions are actually causing the portfolio’s ups and downs, not just taking up space. Despite their modest weights, Micron (2.57%) and TSMC (3.38%) each contribute ~15% of the risk — together rivaling the entire S&P 500 ETF slice. Vanguard FTSE Europe at 9.18% hoards 22.24% of total risk alone. The top three holdings are responsible for over half of portfolio risk, even though the biggest position overall is actually the low-vol Treasury ETF. So there’s a “safe on the surface, concentrated underneath” vibe: a handful of equity positions are doing almost all the shaking while the cash block plays spectator.

Redundant positions Info

  • Vanguard FTSE All-World ex-US Index Fund ETF Shares
    Vanguard Total International Stock Index Fund ETF Shares
    High correlation

The correlation section reveals one very redundant pair: the ex-US fund and the total international fund basically move in lockstep. Highly correlated assets are like owning two copies of the same movie; it feels like more, but you’re watching the same plot. This mirroring means part of the complexity in the ETF lineup is just cosmetic — more tickers, not more diversification. In a global selloff, both of these will likely sink together, so they won’t rescue each other when it matters. For a portfolio this simple, having two funds that behave almost identically is more about clutter than about fine-tuned allocation.

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.

Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

On the risk–return chart, the current portfolio sits below the efficient frontier by 1.78 percentage points at its risk level. The efficient frontier is the curve showing the best possible return for each risk level using just the existing ingredients. Being below it is like ordering the same ingredients but getting a worse sandwich. Current Sharpe ratio is 0.81, while the “optimal” combination of these holdings would squeeze more return out of the same toolkit. The hilarious part: the minimum variance portfolio, using these same holdings, has comically low volatility and a high Sharpe because of the fat Treasury chunk. The message: even within this cautious menu, the mix is objectively inefficient.

Dividends Info

  • Micron Technology Inc 0.10%
  • iShares 0-3 Month Treasury Bond ETF 3.70%
  • Taiwan Semiconductor Manufacturing 0.70%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 2.50%
  • Vanguard Financials Index Fund ETF Shares 1.60%
  • Vanguard FTSE Europe Index Fund ETF Shares 2.80%
  • Vanguard S&P 500 ETF 1.00%
  • Vanguard FTSE Pacific Index Fund ETF Shares 2.70%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Vanguard Total International Stock Index Fund ETF Shares 2.50%
  • Weighted yield (per year) 3.09%

Total yield clocks in at 3.09%, with most of the cash flow coming from Treasuries and broad international ETFs. The supposedly star equities — Micron and TSMC — barely contribute anything in dividends, functioning more as growth or volatility engines than income machines. This is less a carefully curated income portfolio and more a “yield happens to show up” situation. The Treasuries’ 3.70% yield does much of the heavy lifting, while the diversified international ETFs bring a normal level of payouts. It works, but it’s not some precision dividend strategy; it’s just what naturally spills out of parking a chunk in bonds and vanilla global funds.

Ongoing product costs Info

  • iShares 0-3 Month Treasury Bond ETF 0.07%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 0.07%
  • Vanguard Financials Index Fund ETF Shares 0.10%
  • Vanguard FTSE Europe Index Fund ETF Shares 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard FTSE Pacific Index Fund ETF Shares 0.08%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.06%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

Costs are almost suspiciously low: a total TER of 0.06% is basically couch-cushion money in fee terms. The lineup is a greatest-hits collection of cheap Vanguard and iShares products, so at least the portfolio isn’t lighting cash on fire via expenses. That said, paying low fees for a structure that parks most capital in near-cash and then sprinkles equity around randomly is like getting a great deal on a gym membership you rarely use properly. Still, credit where it’s due: fees are one thing this portfolio does legitimately well. You clicked the inexpensive stuff and didn’t mess that part up.

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