Sensible lazy core portfolio wearing a wannabe hedge fund costume for extra drama
Report created on Mar 27, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 40.00% -
VB Vanguard Small-Cap Value Index Fund ETF Shares
VBR - US9229086114 20.00% -
DB iMGP DBi Managed Futures Strategy ETF
DBMF - US53700T8273 15.00% -
SG abrdn Physical Gold Shares ETF
SGOL - US00326A1043 15.00% -
BN Vanguard Total Bond Market Index Fund ETF Shares
BND - US9219378356 10.00%
This thing is 40% “own everything US,” 20% small value spice, then suddenly swerves into 15% gold and 15% managed futures like it’s prepping for financial doomsday, with a token 10% in bonds to look respectable. It’s basically a classic boring core stock portfolio that panic-bought an apocalypse kit. The structure is simple but a bit lopsided: two funds drive almost all the action while the “fancy” diversifiers sit on the side. The takeaway: it’s a mostly standard equity engine with some weird-but-not-crazy satellites added on top, trying to be both chill and paranoid at the same time.
Growth
Historically, turning $1,000 into $2,227 is nothing to cry about; 12.59% CAGR (Compound Annual Growth Rate: your average yearly speed over the whole ride) is solid. You underpaced the US market by about 1.6% a year, but you beat the global market by just under 1%. So you basically said, “I’ll give up a bit of US juice for a smoother ride,” and it kind of worked: max drawdown was about -24%, better than the benchmarks’ -33% faceplants. Still, don’t get cocky: this is yesterday’s weather, not tomorrow’s forecast. It shows resilience, not magic.
Asset classes
- Stocks 64%
- Bonds 19%
- Other 17%
You’re sitting at 64% stocks, 19% bonds, and 17% “other” (aka the mysterious alternatives bucket). That’s a lot of “we still want growth” with a side of “but please don’t crush us in a crash.” For a supposedly balanced profile, this is more “responsible risk-taker” than “cautious adult.” Bonds are basically a chaperone at a party filled mostly with equities and weird alternatives. The lesson: you’re clearly prioritizing long-term growth, but if you think this is ultra-defensive, reality is going to feel a bit louder during big market tantrums.
Sectors
- Technology 15%
- Financials 8%
- Industrials 8%
- Consumer Discretionary 7%
- Health Care 6%
- Telecommunications 5%
- Real Estate 3%
- Consumer Staples 3%
- Energy 2%
- Basic Materials 2%
- Utilities 2%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, it’s fairly sane: tech leads but isn’t a ridiculous monster, financials and industrials have a real presence, and no sector is absurdly dominant. This avoids the classic “I accidentally built a tech-only rocket ship” mistake. It still means your mood will partly be dictated by whatever the big platform and chip companies are doing, but not to an all-or-nothing level. Think of it as a diversified cast where tech gets star billing without full diva status. Takeaway: sector risk is not where this portfolio’s drama lives; the real spice comes from factors and asset mix.
Regions
- North America 59%
This breakdown covers the equity portion of your portfolio only.
Geographically, this is very “Stars and Stripes or bust,” with 59% in North America and not much visible elsewhere from the provided data. It’s textbook home bias: if the US keeps doing US things, you’re golden; if it fumbles a decade, you’ll feel it hard. It’s like insisting your entire music taste is one playlist — good while it slaps, awkward when the trend shifts. Not a catastrophe, but it’s a bet that the US continues to be the main economic hero. Just don’t pretend this is some grand, balanced global worldview.
Market capitalization
- Mega-cap 16%
- No data 15%
- Small-cap 14%
- Mid-cap 14%
- Large-cap 13%
- Micro-cap 3%
This breakdown covers the equity portion of your portfolio only.
You’ve got exposure across the cap spectrum — mega, large, mid, and small — plus a little micro-cap chaos sprinkled in. But with 20% in a dedicated small-cap value fund, you’ve clearly tilted the table toward the scrappier end rather than just passively accepting the market’s mega-cap dominance. That’s fine if you understand small caps can move like a caffeinated squirrel: fun on the way up, exhausting on the way down. The “no data” chunk just means some bits aren’t clearly categorized, not that you found a secret asset class. Overall: intentionally punchier than a plain vanilla market-cap portfolio.
True holdings
-
Part of fund(s):
- iMGP DBi Managed Futures Strategy ETF
-
NV NVIDIA Corporation 2.47%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 2.36%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 1.76%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.22%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.10%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 0.91%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 0.86%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.85%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 0.69%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 15.94%
Looking through the ETFs, the usual mega-cap celebrities show up: Nvidia, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla — the standard “market darlings starter pack.” You’re not stock-picking them, but you still end up heavily exposed just by owning broad indexes, so any illusion that you’re “above big tech hype” is adorable. Overlap data is limited to ETF top 10s, so the true concentration is probably higher under the hood. The real lesson: buying lots of different tickers doesn’t mean you’re diversified if they all secretly hold the same headliners doing the heavy lifting.
Factors
Factor-wise, this portfolio is loudly screaming Value, Size, and Yield. Factor exposure is like the ingredient label behind the fancy label: you’re leaning hard into cheaper, smaller, and higher-paying stuff, with decent low-vol and momentum on the side. Translation: you’re betting that “unloved and underpriced” plus “not giant” plus “pays more income” will win over time. That’s a coherent story, but it’s also not subtle — this isn’t factor-neutral; it’s a bias with conviction. If value or small caps underperform for a stretch (which they very much can), this portfolio will feel like it’s stubbornly swimming upstream.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 40.00% 56.0% -
Vanguard Small-Cap Value Index Fund ETF Shares
Weight: 20.00% 32.3% -
abrdn Physical Gold Shares ETF
Weight: 15.00% 6.0% -
iMGP DBi Managed Futures Strategy ETF
Weight: 15.00% 4.6% -
Vanguard Total Bond Market Index Fund ETF Shares
Weight: 10.00% 1.1%
Risk contribution (who’s actually shaking the portfolio, not just sitting in it) is hilariously skewed. Your 40% total stock market position pumps out ~56% of total risk, and the 20% small-cap value tosses in another ~32%. Together, they’re about 72% of the money but over 88% of the drama. Gold, managed futures, and bonds are just background extras, barely moving the needle. This is like hiring three bodyguards and letting the two craziest ones decide all your plans. Trimming or rebalancing those top positions from time to time could stop them from quietly turning this into a closet high-equity portfolio.
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.
On the risk–return chart, your portfolio is kind of loafing. Current Sharpe ratio (return per unit of risk) is 0.78, while the optimal mix of the *same* ingredients hits 1.25 — that’s a big gap. Even more savage: at roughly the same risk level, there’s an allocation that could push expected return from ~12.9% to over 19%. You’re basically cooking with good ingredients but using a bad recipe. You don’t need new funds to improve this; just different weights. Right now you’re below the efficient frontier, which is a fancy way of saying: you’re accepting less reward than your current level of stress could justify.
Dividends
- Vanguard Total Bond Market Index Fund ETF Shares 3.90%
- iMGP DBi Managed Futures Strategy ETF 5.60%
- Vanguard Small-Cap Value Index Fund ETF Shares 1.90%
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Weighted yield (per year) 2.09%
With a total yield of about 2.09%, this isn’t some glorious income machine — it’s more like a mild allowance. Bonds and the managed futures fund do the heavy lifting on yield, while the equity pieces are more about growth than cash flow. Leaning too hard on that headline 5.6% from managed futures would be a mistake; that payout can be lumpy and strategy-driven, not some gentle savings-account drip. The takeaway: this is a growth-first setup with a side of yield, not a “live off the dividends and never sell anything” fantasy.
Ongoing product costs
- Vanguard Total Bond Market Index Fund ETF Shares 0.03%
- iMGP DBi Managed Futures Strategy ETF 0.85%
- abrdn Physical Gold Shares ETF 0.17%
- Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.18%
Costs are where this portfolio actually behaves like it knows what it’s doing. A total TER around 0.18% is impressively low, especially considering you snuck in a managed futures fund charging 0.85% like it thinks it’s special. The cheap Vanguard core funds drag the average right back down — classic “smart kid fixing the group project.” You’re not bleeding away performance via fees, which already puts you ahead of a depressing portion of the investing world. Just be aware that the expensive alternative piece has to earn its keep; it’s not getting a free pass at that price tag.
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