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A portfolio that thinks diversification is just a fancy word for more US stocks

Report created on Aug 8, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is like a buffet where instead of variety, you get fifty shades of equity. It's so stock-heavy that if the market sneezes, this portfolio gets pneumonia. The diversification score is like getting a participation trophy in little league; it sounds nice but doesn't mean you're winning. With a 60% tilt towards large-cap through the S&P 500 and large-cap growth ETFs, it's like betting on the same horse in two different races and calling it hedging.

Growth Info

The CAGR of 16.62% is impressive, like a high school quarterback peaking too early. But that max drawdown of -36.03%? It's the financial equivalent of a surprise pop quiz you didn't study for. Relying on a few big days for the bulk of returns isn't investing; it's gambling with extra steps. Past performance is seductive but remember, it's like trusting the weather forecast from last year to plan today's picnic.

Projection Info

Monte Carlo simulations are like those choose-your-own-adventure books, but for your money. Sadly, this portfolio's adventure seems to be "Thrill Ride to Pennyville" with a side of "How Did We Get Here?" A 5th percentile outcome of 51.5% growth might sound okay until you remember inflation exists. Meanwhile, the 50th percentile dreaming of 525.7% growth is like expecting a lottery ticket to pay for retirement.

Asset classes Info

  • Stocks
    100%

All in on stocks, huh? This portfolio treats asset classes like a picky eater at a global buffet. With 100% in stocks, it's like trying to cross the ocean in a speedboat; thrilling until the weather turns. A sprinkle of bonds or a dash of real assets could turn this one-trick pony into a more well-rounded show jumper.

Sectors Info

  • Technology
    27%
  • Financials
    17%
  • Consumer Discretionary
    13%
  • Industrials
    10%
  • Telecommunications
    8%
  • Health Care
    7%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    1%

With 27% in tech, this portfolio is riding the Silicon Valley roller coaster with both hands up. Financial services and consumer cyclicals are in the mix, but it's like bringing a knife to a gunfight when tech takes a tumble. Diversification across sectors means not having to check if your investments are still breathing every time a tech CEO tweets something controversial.

Regions Info

  • North America
    80%
  • Europe Developed
    6%
  • Asia Emerging
    5%
  • Asia Developed
    4%
  • Japan
    2%
  • Latin America
    1%
  • Australasia
    1%
  • Africa/Middle East
    1%

80% in North America? This portfolio's idea of global diversification is like thinking adding Canada to your US road trip makes it an international adventure. Emerging markets and developed international equities are like distant cousins you remember exist only during family reunions. Broadening your horizons could mean not having to explain why your portfolio tanked when the US market sneezes.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    24%
  • Mid-cap
    14%
  • Small-cap
    11%
  • Micro-cap
    10%

This portfolio loves the giants with a 38% allocation in mega-caps. It's like only watching blockbuster movies and missing out on indie films with potentially better returns. The small and micro caps are the spice of life, or in this case, the portfolio, offering growth opportunities that big blue chips can't. Diversify across market caps unless you enjoy monotonous predictability.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation

Having the Vanguard S&P 500 and Schwab U.S. Large-Cap Growth ETF in the same portfolio is like owning two copies of the same book. They're so highly correlated that if one trips, the other's going down too. It's diversification theater at best. Separating these conjoined twins could give your portfolio a chance to breathe and grow in different weathers.

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.

This portfolio's idea of risk versus return is like trying to balance on a seesaw by yourself. The heavy lean towards large-cap US equities with overlapping characteristics is a textbook example of "doing it wrong." Optimization isn't just a fancy term; it's about making sure every dollar has a purpose that isn't just echoing another dollar's job.

Dividends Info

  • Avantis® International Equity ETF 2.80%
  • Avantis® Emerging Markets Equity ETF 2.90%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.47%

The dividend yield spread across this portfolio is as uneven as the icing on a toddler's birthday cake. Relying on the paltry 0.40% from the large-cap growth ETF and expecting the international ETFs to pick up the slack is wishful thinking. A balanced approach to income generation can stabilize returns, especially when the market decides to play limbo with your capital gains.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Avantis® Emerging Markets Equity ETF 0.33%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.13%

The total TER of 0.13% is the silver lining in a cloud of questionable choices. It's like finding out the gourmet meal you've been eating was actually affordable. Low costs are commendable, but when the investment strategy is as cohesive as a toddler's art project, you have to wonder if you're saving pennies while losing dollars.

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