A portfolio that's as balanced as a diet consisting solely of pizza and salad
Report created on Jun 21, 2025Risk profile
4/7
Diversification profile
5/5
Positions
-
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 50.00% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 30.00% -
US iShares Broad USD High Yield Corporate Bond ETF
USHY - US46435U8532 20.00%
Let's start with the composition: half international, a third domestic stocks, and a splash of high-yield bonds. It's like deciding to wear a suit to a casual brunch — overprepared in some areas, oddly casual in others. The heavy tilt towards international stocks is like betting on every horse in a race except the one you know best. Sure, diversification is key, but this is more like throwing darts blindfolded and hoping one hits the bullseye.
Growth
Historically, this portfolio has chugged along with an 8.80% CAGR, which isn't terrible, but it's like winning a race because the other runners got lost. The max drawdown of -32.06% is a stark reminder that even diversified portfolios can take a nosedive. It's as if you're on a roller coaster, enjoying the ride, only to discover that the biggest drop is still ahead.
Projection
Monte Carlo simulations suggest a wide range of outcomes, with a median increase of 193.9%. This is like forecasting the weather by saying it might rain, or it might not. The simulations offer a glimpse into possible futures, but relying solely on them is like trusting a Magic 8-Ball for investment advice. They're a tool, not a crystal ball.
Asset classes
- Stocks 78%
- Bonds 20%
- Cash 2%
With 78% in stocks and 20% in bonds, this portfolio is like a meal mostly made of carbs with a side of protein — it'll get you through the day, but isn't the most balanced diet. The tiny 2% cash position is like keeping a spare change jar; it's there, but it's not going to do much heavy lifting.
Sectors
- Energy 23%
- Financials 16%
- Technology 15%
- Industrials 10%
- Consumer Discretionary 8%
- Health Care 8%
- Telecommunications 6%
- Consumer Staples 5%
- Basic Materials 4%
- Real Estate 3%
- Utilities 2%
The sector allocation is as if someone spun a globe to decide where to invest. Energy at 23%? It's like betting on horses because you like their names. Financial services and tech follow closely, which isn't surprising, but with such heavy tilts, this portfolio runs the risk of catching a cold whenever these sectors sneeze.
Regions
- North America 54%
- Europe Developed 20%
- Asia Emerging 8%
- Japan 8%
- Asia Developed 5%
- Australasia 2%
- Africa/Middle East 2%
- Latin America 1%
Geographically, it's a world tour with over half in North America and a decent spread across Europe and Asia. It's commendably worldly, like a backpacker with an unlimited rail pass, but the question remains: is it spreading itself too thin or missing out on local gems by always looking abroad?
Market capitalization
- Mega-cap 34%
- Large-cap 24%
- Mid-cap 14%
- Small-cap 4%
- Micro-cap 1%
The market cap allocation reads like a who's who of corporate giants, with a sprinkle of smaller firms for flavor. Investing heavily in mega and big caps is like buying only bestselling books; it's safe, but you'll miss out on groundbreaking new authors. The small and micro cap allocations are so minimal, they're practically afterthoughts.
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.
When it comes to risk vs. return, this portfolio is playing it safer than a game of checkers with a toddler. The Efficient Frontier would likely suggest this mix could use a bit more spice. It's like going on a road trip with a map that only shows highways; you'll get there, but think of what you're missing along the backroads.
Dividends
- iShares Broad USD High Yield Corporate Bond ETF 6.80%
- Vanguard Total Stock Market Index Fund ETF Shares 1.30%
- Vanguard Total International Stock Index Fund ETF Shares 2.90%
- Weighted yield (per year) 3.20%
The dividend yield strategy here is like finding coins under the sofa cushions; it's nice when it happens, but you're not going to fund a vacation that way. A total yield of 3.20% is decent, but leaning heavily on high-yield bonds for income is a bit like expecting a lottery ticket to pay off your mortgage.
Ongoing product costs
- iShares Broad USD High Yield Corporate Bond ETF 0.08%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
At least the portfolio's costs are under control, with a total expense ratio (TER) of 0.05%. It's like finding a low-cost airline that doesn't charge extra for breathing. In the world of investing, where fees can eat into returns, this portfolio is flying economy class but still reaching its destination.
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