A portfolio that loves home cooking and a sprinkle of tech and gold for flavor
Report created on Jul 19, 2025Risk profile
3/7
Diversification profile
3/5
Positions
-
XE iShares Core Equity Portfolio
XEQT - CA46436D1087 53.22% -
VC Vanguard FTSE Canada All Cap
VCN - CA92205P1045 29.20% -
QQ Invesco NASDAQ 100 Index ETF CAD Units
QQC - CA46090T2092 11.93% -
PH Sprott Physical Gold Trust
PHYS - CA85207H1047 5.65%
Diving into this portfolio is like walking into a buffet that's run out of dishes halfway through the line. Over half of your plate (portfolio) is piled with iShares Core Equity, making you wonder if there was a buy-one-get-half-the-portfolio-free sale. Then, you nearly fill the rest with a heavy scoop of Canadian pride via Vanguard FTSE Canada, leaving just a tiny space for a tech garnish and a gold leaf. It's like betting on the home team while trying to keep it "diversified" by throwing in a couple of wild cards.
Growth
Historically, this portfolio has been like a roller coaster that's exciting but not too scary, boasting a CAGR of 12.71% with a stomach-churning drop of -17.87% at its worst. It's like winning a marathon without realizing you were competing against high schoolers. Sure, the numbers look good, but when those 23 days carrying 90% of your returns are taken out of the equation, it's more like a leisurely jog than a sprint to wealth.
Projection
Monte Carlo simulations are the fortune cookies of the investing world, fun to crack open but take with a grain of salt. With projections showing a median increase of 615.3%, it suggests your golden years might be, well, golden. But remember, simulations are as reliable as weather forecasts for next year's Christmas. They're an educated guess, not a promise. Betting the farm on these numbers would be like planning your retirement around a lottery ticket.
Asset classes
- Stocks 43%
- US Equity 35%
- Stocks 6%
This portfolio's asset class distribution is like a diet consisting mostly of meat and potatoes, with a tiny bit of vegetables to claim it's balanced. Equity-heavy with a token gesture towards commodities via gold, it screams, "I want growth but also something shiny to look at." The absence of bonds or real estate investment trusts (REITs) is like skipping the fruits and veggies altogether - not a balanced diet for financial health.
Sectors
- Financials 27%
- Technology 20%
- Industrials 11%
- Energy 8%
- Consumer Discretionary 7%
- Basic Materials 7%
- Telecommunications 6%
- Consumer Staples 5%
- Health Care 4%
- Utilities 3%
- Real Estate 2%
The sector allocation here has a clear love affair with financial services and technology, making up nearly half of the portfolio. It's like having a diet consisting mainly of steak and ice cream - delicious but potentially hazardous in the long run. The minimal presence of healthcare and utilities is like begrudgingly eating a salad because you know you should. Diversification across sectors is more than just a buzzword; it's about not putting all your eggs in one basket, even if that basket is shiny and tech-laden.
Regions
- North America 84%
- Europe Developed 9%
- Japan 3%
- Asia Emerging 1%
- Asia Developed 1%
- Australasia 1%
With 84% of the assets parked in North America, this portfolio has a serious home bias, akin to someone who refuses to eat at any restaurant that's more than a 10-minute drive away. While local investments can feel more comfortable, they also limit your exposure to global growth opportunities. It's like refusing to try sushi because you're scared of raw fish - you're missing out on a world of flavors.
Market capitalization
- Mega-cap 43%
- Large-cap 36%
- Mid-cap 17%
- Small-cap 3%
A hefty tilt towards mega and big caps suggests a preference for the industry's Goliaths over the Davids. While this might seem a safer bet, it's akin to always betting on the heavyweight champion without considering the nimble underdog. This mega-big cap love affair could lead to missing out on the high growth potential of smaller companies. It's like only watching blockbuster movies and never giving indie films a chance.
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 walks the line between cautious optimism and blissful ignorance. It's like wearing a lifejacket in a kiddie pool - somewhat safe but probably overkill for the environment. The heavy reliance on North American equities with a sprinkle of gold for "diversification" is like putting all your eggs in one basket and then trying to balance it on a bicycle. For a truly efficient portfolio, consider spreading your risk across a wider variety of asset classes and geographies.
Dividends
- Invesco NASDAQ 100 Index ETF CAD Units 0.30%
- Vanguard FTSE Canada All Cap 1.90%
- iShares Core Equity Portfolio 1.30%
- Weighted yield (per year) 1.28%
With a total yield hovering around 1.28%, your portfolio's dividend strategy is like finding loose change under the sofa cushions. It's a nice little bonus but hardly a game-changer for your income strategy. Considering the heavy equity weighting, one might expect a bit more in terms of dividend income. It's like owning a cash register that only opens when it feels like it.
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