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A portfolio that thinks diversification means buying every flavor of the same ice cream

Report created on May 3, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is like a buffet where half the dishes are variations of chicken. With three large-cap growth ETFs making up 54% of the portfolio, it's like betting on the same horse in three different races. The attempt at diversification by sprinkling in value, international, real estate, commodities, and cash equivalents is commendable, but it's like adding a salad to an otherwise deep-fried meal and calling it balanced.

Growth Info

Historically, this portfolio has strutted around with a CAGR of 15.7%, which might make you feel like the belle of the ball until you realize the drawdown was a Cinderella-at-midnight level of -24.27%. It’s like enjoying a roller coaster because of a few thrilling loops, conveniently forgetting the moments you thought you’d hurl your lunch. The days contributing to 90% of returns being a mere 25 suggests this portfolio is more about brief moments of glory than steady achievement.

Projection Info

Monte Carlo simulations, the financial world’s version of asking a crystal ball about the future, show a wide range of outcomes for this portfolio, from a dismal 83.2% to a euphoric 670.1% at key percentiles. But remember, simulations are as reliable as weather forecasts for next year's vacation. They're a guide, not a guarantee. Betting the farm on the 50th percentile might leave you with just a farmhouse if things go south.

Asset classes Info

  • Stocks
    84%
  • Real Estate
    7%
  • Cash
    6%
  • Other
    3%

Diving into asset classes, with 84% in stocks and a whimsical 7% in real estate, this portfolio is like a diet consisting mainly of meat with a side of vegetables for show. The 3% in commodities and the token 3% in cash equivalents are like adding a sprinkle of herbs on top — they might make the dish look pretty but don't significantly change the flavor profile.

Sectors Info

  • Technology
    25%
  • Financials
    13%
  • Consumer Discretionary
    10%
  • Telecommunications
    9%
  • Real Estate
    9%
  • Health Care
    7%
  • Industrials
    7%
  • Consumer Staples
    5%
  • Energy
    2%
  • Utilities
    2%
  • Basic Materials
    2%

The sector allocation is like attending a concert where the setlist is 25% pop hits (technology), followed by a mix of financials, consumer cyclicals, and the rest, making up the opening acts. This portfolio is headlining with tech but risks the whole show being cancelled if the lead singer (tech sector) loses its voice.

Regions Info

  • North America
    77%
  • Europe Developed
    6%
  • Asia Emerging
    3%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

With 77% in North America, this portfolio has a home team bias that's stronger than a parent at a little league game. The modest nods to developed Europe, emerging Asia, and the token percentages in Australasia and Africa/Middle East are like having international friends on social media — it looks worldly at a glance but doesn’t mean much in real life.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    28%
  • Mid-cap
    18%
  • No data
    3%
  • Small-cap
    2%

The market cap allocation is like believing bigger is always better, with 70% in mega and big caps. It's akin to only shopping at big-box retailers, ignoring the unique finds at local boutiques (small and micro caps). This approach might miss out on growth opportunities that can often come from the more nimble, smaller companies.

Redundant positions Info

  • Vanguard Growth Index Fund ETF Shares
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The love affair between the Vanguard Growth Index Fund and Schwab U.S. Large-Cap Growth ETF is like having twins on the same sports team — they move in unison but don't add depth to the game. This portfolio's manager must have missed the memo on diversification, thinking that similar assets provide a safety net rather than a trapdoor in times of market turmoil.

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.

The portfolio's current state is like a car that's only firing on some of its cylinders — it's moving, but not as efficiently as it could be. The recommendation to remove overlapping assets is like decluttering your home; it's about getting rid of the redundant items that don't add value. Optimizing for the same risk level with an expected return of 2.80% is like tuning the engine to get better mileage out of the same gas.

Dividends Info

  • iShares GSCI Commodity Dynamic Roll Strategy ETF 5.10%
  • iShares Residential and Multisector Real Estate ETF 2.20%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • iShares® 0-3 Month Treasury Bond ETF 4.40%
  • Invesco S&P 500® Momentum ETF 0.50%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.90%
  • Vanguard Value Index Fund ETF Shares 2.30%
  • Vanguard Growth Index Fund ETF Shares 0.50%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 3.10%
  • Weighted yield (per year) 1.48%

The portfolio's dividend yield is like finding loose change in the couch cushions — a nice surprise but not something you can live on. With an overall yield of 1.48%, it's clear that income generation is not the priority here. This strategy is like being all in on winning the lottery instead of building a steady income stream through work.

Ongoing product costs Info

  • iShares GSCI Commodity Dynamic Roll Strategy ETF 0.48%
  • iShares Gold Trust 0.25%
  • iShares Residential and Multisector Real Estate ETF 0.48%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.11%

At least the portfolio's costs are under control, with a Total Expense Ratio (TER) of 0.11%. This is like finding a budget airline that doesn't charge for breathing. In the world of investing, where fees can eat into your returns like termites on wood, this portfolio is on a lean diet, keeping more of the returns in your pocket.

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