A Vanguard love affair with a side of vanilla diversification
Report created on Dec 7, 2025Risk profile
4/7
Diversification profile
4/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
VX Vanguard Extended Market Index Fund ETF Shares
VXF - US9229086528 10.00%
It seems you've taken the "don't put all your eggs in one basket" advice and decided three baskets is plenty. With 60% in a Vanguard S&P 500 ETF, 30% in Vanguard Total International Stock Index Fund ETF Shares, and the remaining 10% in Vanguard Extended Market Index Fund ETF Shares, you've essentially created a portfolio that's as adventurous as a vanilla ice cream in a world full of flavors. It's diversified, sure, but it's like choosing different shades of beige for a painting.
Growth
Historically, your portfolio has performed like a well-behaved golden retriever: reliable, steady, and no surprises with a CAGR of 13.48%. While that's commendable, remember, past performance is like relying on last year's weather forecast to plan today's picnic. The significant drawdown of -34.60% also suggests that when it rains, it pours, despite the sunny days.
Projection
The Monte Carlo simulation, with its fancy name, suggests you're more likely to end up in a comfortable retirement than eating cat food. But remember, simulations are like weather forecasts for your investments—useful, but don't plan the barbecue just yet. With a 50th percentile projection at 394.3%, it's optimistic, but the real world loves curveballs.
Asset classes
- Stocks 99%
- Cash 1%
With 99% in stocks and a token 1% in cash, you're essentially on a high-speed train with no brakes. Stocks are great for growth, but that 1% in cash is like keeping a single band-aid on hand for a mountain biking trip. A little more balance could prevent a lot of pain.
Sectors
- Technology 29%
- Financials 16%
- Industrials 11%
- Consumer Discretionary 11%
- Health Care 9%
- Telecommunications 8%
- Consumer Staples 5%
- Basic Materials 3%
- Energy 3%
- Utilities 3%
- Real Estate 2%
Your sector allocation has a heavy tech and financial services tilt, making your portfolio seem like it's trying to relive the dot-com era with a side of Wall Street. While these sectors can offer growth, they also bring volatility. It's like riding a roller coaster and hoping you don't lose your lunch on the loop-de-loop.
Regions
- North America 72%
- Europe Developed 11%
- Asia Emerging 5%
- Japan 5%
- Asia Developed 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, you've got a strong home country bias with 72% in North America. It's like planning a world tour but spending most of your time visiting relatives in your hometown. Expanding your horizons could not only make for a more interesting experience but also reduce the risk of domestic downturns.
Market capitalization
- Mega-cap 42%
- Large-cap 30%
- Mid-cap 19%
- Small-cap 6%
- Micro-cap 2%
Your market cap allocation is like a high school cliques scenario: mostly jocks and preps with a few artsy kids and almost no nerds. With 42% in mega, 30% in big, and a trickle down to micro-caps, you're missing out on the growth potential of smaller companies and the stability large caps can provide.
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.
Your portfolio's risk-return efficiency is like a middle-of-the-road sedan—dependable, but you'll never win a race with it. It's not the worst setup, but with a bit of fine-tuning, you could potentially get more zoom for your buck. Consider whether your risk tolerance and investment horizon align with your current allocation.
Dividends
- Vanguard S&P 500 ETF 1.10%
- Vanguard Extended Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.58%
Your dividend yield strategy is like finding loose change in the sofa—nice but not life-changing. With a total yield of 1.58%, it's a small bonus on top of your investment strategy. It's not enough to fund a retirement, but maybe it can cover the streaming service subscriptions.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Vanguard Extended Market Index Fund ETF Shares 0.06%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
The one place you're shining is in keeping costs low, with a total TER of 0.04%. It's like finding a luxury car with the fuel efficiency of a scooter. Low fees mean more of your money is working for you, which is a smart move in any investment strategy.
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