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A love triangle with Vanguard and iShares that lacks real adventure

Report created on Sep 12, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

At first glance, this portfolio screams "I trust the big names and that's it." With over two-thirds of the portfolio split almost evenly between Vanguard's S&P 500 Index ETF and iShares Core Equity Portfolio, and the rest tucked into Vanguard's Growth Portfolio, it's like going to a buffet and only filling your plate with salad. Sure, it's broadly diversified across sectors and asset classes, but it's like diversifying your music playlist with different genres of elevator music.

Growth Info

Historically, this portfolio has done well, with a CAGR of 14.43%. But let's be honest, riding the S&P 500's coattails during one of the longest bull markets in history isn't exactly a financial masterstroke. It's like bragging about winning a race when you started near the finish line. The max drawdown of -27.52% is a stark reminder that what goes up can come crashing down, especially when your portfolio is tied so tightly to the stock market's whims.

Projection Info

Monte Carlo simulations are great for stress-testing your portfolio against a range of outcomes, kind of like a video game that lets you see all the possible endings without actually having to live through them. With projections showing a 50th percentile growth of 624.3%, it sounds like you're on the path to riches. But remember, these simulations assume the market will play nice, which is like assuming the weather will be perfect for your wedding a year in advance.

Asset classes Info

  • US Equity
    60%
  • Stocks
    17%
  • Bonds
    6%

Your asset allocation strategy seems to have been inspired by a "keep it simple" mantra, with a heavy lean on US equity. While simplicity is golden, your bond and cash allocations are so low, they're practically begging for attention. It's like packing for a vacation and only bringing swimsuits because it's mostly sunny where you're going. A sudden storm (market downturn) would leave you shivering and looking for cover.

Sectors Info

  • Technology
    25%
  • Financials
    19%
  • Industrials
    11%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    8%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    5%
  • Utilities
    3%
  • Real Estate
    2%

With sectors like Technology and Financial Services leading the charge, your portfolio is like a teenager obsessed with the latest gadgets and a budding interest in Wall Street. It's trendy, sure, but when the tech bubble bursts or financial markets hiccup, your portfolio might need a time-out. Spreading the love to less volatile sectors could save you some future headaches.

Regions Info

  • North America
    82%
  • Europe Developed
    9%
  • Japan
    3%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Your geographic allocation is proudly wearing a "Made in North America" badge, with a side glance at Europe and a nod to Asia. It's like planning a world tour but spending most of your time in your hometown. The global market offers a buffet of opportunities, and your portfolio is stuck on the appetizers. Broadening your horizons could introduce some much-needed flavors to your investment mix.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    30%
  • Mid-cap
    17%
  • Small-cap
    3%
  • Micro-cap
    1%

With a strong lean towards mega and big caps, your portfolio is like a fan club for industry giants, believing bigger is always better. While these companies offer stability, they also limit growth potential. It's like always flying first class — comfortable but costly. Sprinkling in some medium, small, or even micro-caps could spice things up, offering growth opportunities in exchange for a bit more turbulence.

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 optimization is like a seesaw with all the weight on one side. It's fun until you want to get off, and then you realize you're stuck in the air. Balancing risk and return is crucial for long-term success. It's about finding that sweet spot where you're comfortable with the ups and downs, not just riding the highs.

Dividends Info

  • Vanguard S&P 500 Index ETF 0.70%
  • Vanguard Growth Portfolio 1.10%
  • iShares Core Equity Portfolio 1.20%
  • Weighted yield (per year) 1.00%

With a total yield hovering around 1.00%, your portfolio's dividend strategy is like finding a dollar on the sidewalk — it's nice but won't change your life. Relying on capital gains is fine, but incorporating higher-yielding assets could provide a steady cash flow, making the wait for those gains a bit more bearable.

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