This portfolio has only about 1.5 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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A portfolio that thinks diversification is collecting every value ETF under the sun

Report created on May 5, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Kicking off with a composition that's more scattered than a kid's first attempt at a jigsaw puzzle, this portfolio seems to have mistaken "diversification" for "collect them all." With a heavy tilt toward small-cap and value ETFs, it's like betting on the underdogs because you love a good comeback story. While rooting for the little guy is noble in sports, in investing, it's a strategy that needs a bit more nuance.

Growth Info

Historically, this portfolio has performed like a roller coaster designed by a caffeinated squirrel. With a CAGR of 16.92% and a max drawdown that would give anyone a heart attack at -17.85%, it's been a wild ride. The fact that 90% of returns came from just 7 days is like saying you won the lottery because you found a dollar on those days. High risk, high reward, but maybe too much of a good thing?

Projection Info

Monte Carlo simulations are like a crystal ball, but for finance, giving us a peek into thousands of possible futures. This portfolio's future looks like a theme park ride, with potential highs that are exhilarating and lows that are stomach-churning. A median increase of 910.1% sounds fantastic until you remember it's just one possible timeline in a multiverse of outcomes. Betting on this could be as speculative as investing in time travel.

Asset classes Info

  • Stocks
    100%

With 100% in stocks and a glaring absence of bonds, cash, or "other" to soften the blow of market downturns, this portfolio is like a trapeze artist performing without a net. Sure, it's thrilling, but one misstep and the consequences could be dire. Balancing out the asset classes might be less exciting but could prevent a financial faceplant.

Sectors Info

  • Financials
    22%
  • Consumer Discretionary
    15%
  • Industrials
    14%
  • Technology
    9%
  • Energy
    9%
  • Basic Materials
    8%
  • Health Care
    7%
  • Consumer Staples
    7%
  • Telecommunications
    5%
  • Utilities
    2%
  • Real Estate
    1%

The sector allocation here screams "I have a type" with financial services, consumer cyclicals, and industrials taking the lead. It's as if the portfolio is trying to recreate the industrial revolution but forgot that the world has moved on. Diversification across sectors doesn't mean throwing everything into a few baskets and hoping for the best.

Regions Info

  • North America
    61%
  • Europe Developed
    10%
  • Asia Emerging
    10%
  • Asia Developed
    7%
  • Japan
    5%
  • Latin America
    2%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Europe Emerging
    1%

With a 61% allocation to North America and sprinkles elsewhere, this portfolio's geography lesson seems to have ended prematurely. Expanding into more international waters could prevent a Titanic-level iceberg hit if the home market goes south. The world's a big place; your investments should reflect that.

Market capitalization Info

  • Mid-cap
    29%
  • Small-cap
    28%
  • Micro-cap
    16%
  • Large-cap
    14%
  • Mega-cap
    12%

The market cap spread here is like having a party but only inviting guests under a certain height. With a heavy lean towards medium, small, and micro caps, it's clear there's a thirst for growth, but remember, even Goliaths have their place in a well-rounded investment strategy. Don't be cap-ist.

Redundant positions Info

  • Avantis® International Small Cap Value ETF
    Avantis® International Equity ETF
    Dimensional International Value ETF
    High correlation
  • Avantis® Emerging Markets Value ETF
    Avantis® Emerging Markets Equity ETF
    High correlation

High correlation between several assets in this portfolio means it's about as diversified as a box of identical chocolates. Sure, they're all slightly different flavors of value and emerging markets, but when the market takes a dive, they'll all sink together. Time to introduce some real variety into this mix.

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.

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Efficiency is to this portfolio what water is to oil. They just don't mix. With an optimal portfolio promising a 21.69% return at the same risk level, it's clear there's room for improvement. It's like being told you could've had a V8 but settled for a flat soda. Time to reevaluate and blend those assets properly.

Dividends Info

  • Avantis® International Equity ETF 2.90%
  • Avantis® International Small Cap Value ETF 3.80%
  • Avantis Emerging Markets Small Cap Equity ETF 3.20%
  • Avantis® Emerging Markets Equity ETF 3.00%
  • Avantis® Emerging Markets Value ETF 3.80%
  • Avantis® U.S. Equity ETF 1.40%
  • Avantis® U.S. Small Cap Value ETF 1.90%
  • Dimensional International Value ETF 3.50%
  • Invesco S&P 500® Pure Value ETF 2.40%
  • Weighted yield (per year) 2.50%

With a total yield of 2.50%, this portfolio is trying to play the dividend game, but it's more like a consolation prize than a strategy. Relying on dividends from high-growth, small-cap stocks is like expecting a newborn to start paying rent. It's optimistic, to say the least.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis Emerging Markets Small Cap Equity ETF 0.42%
  • Avantis® Emerging Markets Equity ETF 0.33%
  • Avantis® Emerging Markets Value ETF 0.36%
  • Avantis® U.S. Equity ETF 0.15%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Dimensional International Value ETF 0.27%
  • Invesco S&P 500® Pure Value ETF 0.35%
  • Weighted costs total (per year) 0.29%

The total expense ratio (TER) of 0.29% isn't the worst, but it's not winning any awards either. It's like paying for a gourmet meal and getting fast food. Sure, it's cheap, but are you really getting your money's worth? With investing, as in dining, sometimes it pays to invest in quality.

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