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A value tilted stock only portfolio cosplaying as a balanced and diversified grown up investor mix

Report created on Dec 13, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This thing calls itself “Balanced” while being 100% stocks. That’s like naming a pure whiskey diet “hydrated.” The structure screams equity nerd: a big Dimensional core plus Avantis value and small-cap spice. It’s smarter than a random index mashup, but for a Profile_Balanced label it’s hilariously off-script. A real balanced mix usually has a serious bond or cash cushion. Here you’ve got five funds that all live in the same stock-nerd apartment. Investors like you might benefit from deciding what the *actual* risk target is, then either embracing the all‑equity reality or adding a true stabilizer sleeve instead of pretending.

Growth Info

Historically, a 12.18% CAGR (Compound Annual Growth Rate) is spicy. Turn $10,000 into roughly $31,000 over ten years and you start feeling like a genius. But the -24% max drawdown is the hangover reminder: that’s a quarter of the portfolio gone on paper. A balanced benchmark with real bonds usually bleeds less when markets panic, even if it grows slower. Past data is like yesterday’s weather — useful vibe check, not a prophecy. Investors like you might benefit from stress-testing: “Can I watch this drop 30–40% without doing something dumb?” If not, either de‑risk or stop calling this balanced.

Projection Info

The Monte Carlo results basically say: “Most futures are good unless you sabotage yourself.” Monte Carlo is just a fancy way of running thousands of “what if” market paths to see possible end values. Median outcome: more than tripling. Worst 5%: still up around 32.2%, which is surprisingly kind for an all‑stock setup. But remember, simulations are built from historical patterns; if the future behaves differently, the model shrugs. Investors like you might benefit from treating these numbers as mood music, not a contract — plan for the median, emotionally prepare for the ugly tail, and build your spending and saving rules around that range.

Asset classes Info

  • Stocks
    100%

Asset classes: 100% stock, 0% everything else. Balanced? Sure, and I’m a low‑carb pizza. You’ve basically turned diversification into “different flavors of equities” and hoped correlation magic solves the rest. When the stock market tanks, most of this will fall together, even if some bits fall slightly less or rebound faster. Bonds, cash, and other boring stuff are the seatbelts; you skipped them and went full convertible on the highway. Investors like you might benefit from deciding whether the goal is wealth *maximization* or sleep *optimization* — then carve out a chunk for real defensive assets if your nerves (or time horizon) demand it.

Sectors Info

  • Financials
    20%
  • Industrials
    16%
  • Technology
    16%
  • Consumer Discretionary
    13%
  • Basic Materials
    9%
  • Energy
    8%
  • Health Care
    6%
  • Telecommunications
    5%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Real Estate
    1%

Sector mix: heavy on Financials, Industrials, and Tech, with decent doses of Cyclicals, Materials, and Energy. So it’s a “business cycle junkie” portfolio: super tied to how the global economy feels. Defensive stuff like Healthcare, Consumer Defensive, Utilities, and Real Estate are all minor characters. Compared to a standard world index, this tilts more toward gritty, value-ish, economically sensitive companies. That can be great when things are humming and brutal in recessions. Investors like you might benefit from checking if this sector tilt aligns with personal risk tolerance — if not, dialing closer to broad, market-like sector weights would calm the drama.

Regions Info

  • North America
    54%
  • Europe Developed
    19%
  • Japan
    11%
  • Asia Emerging
    5%
  • Asia Developed
    4%
  • Australasia
    3%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, this is one of the few areas that doesn’t need a full roast. North America 54% with the rest spread across Europe, Japan, emerging Asia, Australasia, and a bit of Africa/Middle East and LatAm is… surprisingly sensible. Not perfect, but definitely not “USA or death.” Still, it leans more global than many US investors, which means more currency swings and foreign-policy headaches baked into returns. Past global data suggests diversification helps, but in a crisis a lot of regions fall together anyway. Investors like you might benefit from periodically checking if home-country bias or global tilt still matches career, income, and spending currency.

Market capitalization Info

  • Mid-cap
    24%
  • Mega-cap
    23%
  • Large-cap
    21%
  • Small-cap
    20%
  • Micro-cap
    12%

Market cap mix is basically a love letter to factor investing: Mega and Big around 44%, but Small 20% and Micro 12% — that’s a lot of tiny companies for a supposedly “balanced” profile. Compared to a classic world index, the small-cap and micro tilt is meaningfully higher and absolutely boosts volatility. When small caps rip, this will feel brilliant; when they lag, it will feel like punishment for reading too many finance blogs. Investors like you might benefit from deciding how much small-cap pain is acceptable and possibly trimming the extreme micro/small tilt if the ride ever feels too roller‑coaster‑ish.

Redundant positions Info

  • Dimensional International Core Equity Market ETF
    Avantis® International Small Cap Value ETF
    High correlation

Correlation-wise, the “overlapping” warning is spot on: the Dimensional International Core and Avantis International Small Cap Value are basically cousins sharing the same closet. Highly correlated means they mostly move together; owning both mainly ramps up complexity, not true diversification. In a global selloff, they’ll sink in sync, just with slightly different accents. Correlation is like how often two things freak out at the same time — you want some that misbehave *differently*. Investors like you might benefit from trimming one of the near-duplicates and using that slice for a genuinely different risk profile instead of stacking similar flavors.

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.

Risk–return efficiency here is… bold. For a true growth junkie, this might sit near a sensible Efficient Frontier (the best trade‑off between risk and return). For a “Balanced” label? It’s hilariously off the curve on the risk side. You’ve loaded up on equity factors (value, small cap, international) that *might* boost long-term returns but unquestionably boost volatility. There’s almost zero concession to capital preservation. Investors like you might benefit from either owning the identity (“this is a growth portfolio”) or actually adding ballast — bonds, cash, or lower-volatility strategies — to move closer to a sane balance for your stated profile.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.30%
  • Avantis® Emerging Markets Value ETF 3.70%
  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Dimensional International Core Equity Market ETF 2.40%
  • Dimensional U.S. Equity ETF 1.00%
  • Weighted yield (per year) 2.13%

Total yield of about 2.13% is fine but not exactly “live off the dividends” territory. The value and emerging markets sleeves do the heavy lifting at 3%+, while the US equity and small-cap positions are more about growth than paycheck. Dividends feel comforting, but they’re not free money — the price drops when cash goes out, and companies can cut them in bad times. Chasing yield alone is a great way to end up overexposed to stodgy or risky stuff. Investors like you might benefit from treating dividends as a nice side benefit, not the main design goal, and focusing on total return and withdrawal strategy instead.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Dimensional International Core Equity Market ETF 0.18%
  • Dimensional U.S. Equity ETF 0.09%
  • Weighted costs total (per year) 0.22%

Costs are the one area where you didn’t trip over yourself: a 0.22% total TER is solid. Not rock-bottom index-cheap, but very reasonable for factor-tilted ETFs from Dimensional and Avantis. You’re paying for a specific philosophy, not for some closet index in a shiny brochure. TER (Total Expense Ratio) is basically the “cover charge” you pay every year just for being in the fund. Over decades, high fees quietly eat your compounding, but this level is more “small nibble” than “slow bleed.” Investors like you might benefit from keeping this cost ceiling and refusing to add anything meaningfully more expensive without a very clear reason.

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