This portfolio has only about 1.6 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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A portfolio that's like a box of chocolates with too many nuts and not enough variety

Report created on Aug 6, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

Diving into this portfolio feels like a treasure hunt where you expect exotic gems but find mostly local rocks. With a heavy tilt towards ETFs and an affection for the U.S. market, it's like betting on the home team because you can't pronounce the names of the international players. The inclusion of a Bitcoin ETF for spice is akin to adding a single chili flake to a gallon of vanilla ice cream — hardly the adventurous twist it was meant to be.

Growth Info

The historical performance boasts a CAGR that would make any investor's mouth water, but let's not forget that past performance is like relying on your high school achievements to land a job at 40. It's impressive, sure, but the real world doesn't always care. The max drawdown is a sobering reminder that the market doesn't always play nice, and those 12 days carrying 90% of your returns? That's like winning the lottery once and expecting the same numbers to hit every draw.

Projection Info

Monte Carlo simulations are the crystal balls of the investing world, but even they have their limits. The projections for this portfolio range from "buying a yacht" to "still buying a yacht, but maybe a smaller one." However, these simulations are based on historical data, which, like using your ex's Netflix password, might not work forever. Diversifying beyond high-flying past performers could prevent future surprises.

Asset classes Info

  • Stocks
    97%
  • Other
    3%

With 97% in stocks and a flirtatious 3% in "other" (hello, Bitcoin), this portfolio is like a diet consisting of steak every day. It might feel good at first, but it's not exactly balanced. The complete absence of bonds or cash equivalents is like driving without a spare tire — fine until you hit a nail.

Sectors Info

  • Financials
    19%
  • Technology
    19%
  • Consumer Discretionary
    14%
  • Industrials
    12%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Energy
    6%
  • Health Care
    5%
  • Basic Materials
    5%
  • Utilities
    2%
  • Real Estate
    2%

Sector allocation here seems more like a game of favorites rather than strategic planning. The heavy lean on Financial Services and Technology is like having all your friends from only two cliques. While it's fun to ride the tech wave and bank on banking, ignoring the broader market's diversity is like eating only from the left side of the menu.

Regions Info

  • North America
    73%
  • Asia Emerging
    6%
  • Europe Developed
    5%
  • Asia Developed
    5%
  • Japan
    4%
  • Latin America
    1%
  • Australasia
    1%
  • Africa/Middle East
    1%

This portfolio's patriotic salute to North America, with a 73% allocation, screams "home bias" louder than an eagle at a baseball game. The minimal nods to emerging and developed markets outside the U.S. are commendable but feel more like afterthoughts than strategic decisions. Investing globally is like adding different spices to your meal — it can turn bland into grand.

Market capitalization Info

  • Mega-cap
    29%
  • Large-cap
    24%
  • Mid-cap
    19%
  • Small-cap
    14%
  • Micro-cap
    9%

The market cap spread in this portfolio plays it safer than expected, with a tilt towards mega and big caps. It's like preferring blockbuster movies over indie films because you recognize the actors. While mega and big caps offer the comfort of stability, sprinkling in more small and micro-caps could spice up returns, albeit with more drama.

Redundant positions Info

  • iShares MSCI USA Quality Factor ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The love story between the iShares MSCI USA Quality Factor ETF and the Vanguard Total Stock Market Index Fund ETF Shares is as predictable as a rom-com. High correlation means they move together like synchronized swimmers, which is beautiful until they both hit a rough patch. Diversifying into assets that don't always move in lockstep could prevent your portfolio from drowning during market downturns.

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.

Optimizing this portfolio is like cleaning out your attic; it's about time to declutter. The romance between certain ETFs needs to end to make room for assets that don't mirror each other's moves. Embracing true diversification might not make for a dramatic before-and-after reveal, but it could smooth out the ride and potentially boost returns without cranking up the risk.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Avantis® Emerging Markets Value ETF 4.00%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • iShares MSCI USA Quality Factor ETF 1.00%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 1.76%

The dividend yield across this portfolio is like finding loose change in your couch — nice to have but not life-changing. While the higher yields from the Avantis ETFs are a pleasant surprise, relying on dividends here is like hoping those couch coins will pay the bills. A more balanced approach to income generation might be in order.

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%
  • iShares Bitcoin Trust 0.12%
  • iShares MSCI USA Quality Factor ETF 0.15%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.18%

The total expense ratio (TER) of 0.18% is like a light breeze on a hot day — noticeable but not bothersome. It's commendable that the portfolio isn't bleeding fees, but don't let low costs be the sole comfort in a strategy that otherwise plays it safe. Sometimes, paying a bit more for diversification and quality can be worth the extra pennies.

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