A textbook case of playing it safe until you suddenly decide to jump out of a plane
Report created on Jun 4, 2025Risk profile
4/7
Diversification profile
5/5
Positions
-
VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 80.00% -
BN Vanguard Total Bond Market Index Fund ETF Shares
BND - US9219378356 10.00% -
IA iShares® Gold Trust Micro
IAUM - US46436F1030 5.00% -
BT Grayscale Bitcoin Mini Trust (BTC)
BTC 5.00%
At first glance, this portfolio screams "I want to see the world but from my couch," with a staggering 80% in a global stock ETF. It's like betting everything on black, but in this case, the black is every color of the global market roulette wheel. Then, as if remembering investments should include bonds, there's a timid 10% in a total bond market ETF. The final 10% is where the boredom ends, diving into gold and Bitcoin, like a mid-life crisis that swaps the minivan for a motorcycle and a leather jacket.
Growth
With a CAGR of 16.53%, this portfolio might seem like it's been hitting the gym regularly. However, those gains are more like someone who only works out when they feel guilty—effective but not consistent. The max drawdown of -14.18% reveals the portfolio's vulnerability to market mood swings, and relying on four days for 90% of returns is like cramming for an exam and hoping for the best.
Projection
Monte Carlo simulations, essentially financial weather forecasts, suggest this portfolio could either be on a rocket to the moon or stuck in a long layover. With projections ranging wildly, it's like planning for retirement but also somewhat preparing to live in a van down by the river. A 37.09% annualized return in simulations sounds dreamy until reality checks in.
Asset classes
- Stocks 79%
- Bonds 10%
- Other 5%
- Cash 1%
The asset class spread is like a diet consisting mainly of steak (stocks) with a side of veggies (bonds) and a sprinkle of exotic spices (gold and Bitcoin). While steak is delicious, it's not always the best for your health, especially when 80% of your plate is covered in it. A more balanced meal might prevent future heartburn.
Sectors
- Technology 19%
- Financials 14%
- Industrials 9%
- Consumer Discretionary 9%
- Health Care 8%
- Telecommunications 6%
- Consumer Staples 5%
- Basic Materials 3%
- Energy 3%
- Real Estate 2%
- Utilities 2%
Sector allocation shows a tech-heavy appetite, followed by a diversified but not particularly balanced mix. It's akin to having a favorite food you eat all the time; it's great until you realize you might be missing out on essential nutrients. Also, the lack of significant exposure to certain sectors could mean missing out on the next big market feast.
Regions
- North America 51%
- Europe Developed 12%
- Asia Emerging 5%
- Japan 5%
- Asia Developed 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, this portfolio has half its eggs in the North American basket, with a smattering of eggs globally. It's like wanting to be a world traveler but only really visiting Canada and calling it international exposure. Diversification is key to experiencing what the world offers, beyond the comfort of your backyard.
Market capitalization
- Mega-cap 34%
- Large-cap 25%
- Mid-cap 15%
- Small-cap 4%
- Micro-cap 1%
The market cap focus is heavy on the big boys, with a substantial lean towards mega and big caps. This approach is akin to only hanging out with the popular crowd, missing out on the unique opportunities that smaller, nimbler companies might present. Sometimes, the best parties aren't the biggest ones.
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 Efficient Frontier, essentially the finance version of not putting all your eggs in one basket, suggests there's room for improvement. With a potential for a higher return at the same risk level not being taken, it's like having a map to the treasure but deciding digging is too much work. The portfolio is playing it safe and then wondering why it's not on a yacht.
Dividends
- Vanguard Total Bond Market Index Fund ETF Shares 3.80%
- Vanguard Total World Stock Index Fund ETF Shares 1.80%
- Weighted yield (per year) 1.82%
The dividend yield is modest, suggesting this portfolio isn't living off passive income anytime soon. It's more like finding loose change in the couch cushions rather than a steady paycheck. For those dreaming of living off dividends, it might be time to look for additional income sources or a better-paying couch.
Ongoing product costs
- Vanguard Total Bond Market Index Fund ETF Shares 0.03%
- iShares® Gold Trust Micro 0.09%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- Grayscale Bitcoin Mini Trust (BTC) 0.45%
- Weighted costs total (per year) 0.09%
With total TER at 0.09%, at least the costs aren't draining your wallet faster than a teenager at a mall. It's one of the few areas where this portfolio doesn't induce a facepalm. It's like finding a reasonably priced meal at a tourist trap; surprisingly pleasant, but let's not pretend it's the reason you came.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
Compare your holdings
How much do the funds you hold actually overlap with the ones people weigh them against?
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey