Roast mode 🔥

A growth portfolio doing most things right while insisting on living dangerously close to full send mode

Report created on Feb 18, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This thing is basically a “stocks or nothing” cannon pointed at the future: 60% U.S. large cap, 20% developed international, 10% emerging, 10% small value. It’s simple, clean, and unapologetically aggressive. Compared with a vanilla 60/40 stock-bond mix, this is like choosing a motorcycle over a sedan: faster, but you’re the airbag. The structure is coherent, but there’s zero built-in shock absorber. If the goal is long-term growth, this setup fits — but adding even a modest slice of bonds or defensive assets could turn this from “all gas no brakes” into “fast but survivable.”

Growth Info

A 15.71% CAGR is hot. CAGR (Compound Annual Growth Rate) is basically your average yearly speed over the whole ride, potholes included. If $10,000 was invested, it would have grown into roughly $40k–$45k over a decade-ish, which absolutely smokes typical 60/40 benchmarks that often land more in the $25k–$30k zone. But that max drawdown of -35.24% means at some point this portfolio lost over a third of its value — that’s “don’t open the brokerage app” territory. Also, past returns are like old Instagram photos: nice to look at, useless for predicting tomorrow. Expect future returns to be bumpier and probably lower.

Projection Info

The Monte Carlo results are basically a thousand “what if the market did this?” coin flips. A 5th percentile outcome of +50.2% means in a really rough scenario, money still grows, just not impressively. The median of +546.1% and 67th percentile near +880% are huge, but that’s the optimistic universe where markets stay friendly. An annualized 16.8% across simulations screams “don’t get used to this.” Simulations are like weather models: helpful patterns, terrible at timing hurricanes. This setup is fine for someone who can ride storms, but dialing back risk slightly would make the bad-case scenarios less stomach-turning without killing the upside.

Asset classes Info

  • Stocks
    100%

Asset classes: 100% stocks, 0% bonds, 0% cash, 0% anything else. Subtle as a brick. For a “growth” profile this is on-brand, but it’s also ignoring the entire concept of smoothing the ride. Bonds and other diversifiers are like seatbelts: not exciting, but you only miss them during impact. A risk score of 5/7 is cute; in reality, this behaves closer to 6/7 when markets get punchy. Keeping it equity-heavy is fine if the time horizon is long, but slipping in even 10–20% of lower-volatility assets could drastically cut drawdowns while barely denting long-term growth.

Sectors Info

  • Technology
    25%
  • Financials
    17%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Health Care
    8%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, it’s basically a slightly more sensible version of the global stock market: 25% tech, 17% financials, 12% industrials, and a pretty even spread across the rest. No single “I sold my soul to tech” insanity, but tech is still the loudest voice in the room. Compared with broad indexes, this tilt is normal, just not subtle. The risk: when one macro theme hits — like rate spikes, regulation, or a growth scare — several of these sectors get punched together. Keeping the broad ETF approach is smart, but if volatility ever feels excessive, shifting a small slice toward more defensive or low-volatility equity could calm things down.

Regions Info

  • North America
    72%
  • Europe Developed
    11%
  • Asia Developed
    6%
  • Asia Emerging
    4%
  • Japan
    4%
  • Australasia
    1%
  • Latin America
    1%
  • Africa/Middle East
    1%

The geographic split screams “America first and second and maybe third”: 72% North America, with Europe, Japan, and the rest getting participation trophies. For a U.S.-based investor this is totally standard, but it’s still home bias in full effect. If the U.S. keeps dominating, this works great; if non-U.S. markets finally stop underperforming like it’s their hobby, returns could lag a more balanced global mix. The good news: at least there is real international exposure — not just a sad 5% token amount. Tweaking more toward global weights would reduce dependence on U.S. policy, currency, and Big Tech drama without turning the portfolio into something unrecognizable.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    30%
  • Mid-cap
    17%
  • Small-cap
    7%
  • Micro-cap
    5%

Market cap spread is actually pretty decent: 40% mega, 30% big, 17% mid, 7% small, 5% micro. So it’s mostly riding the giant household names while quietly moonlighting as a small-cap value enjoyer. That small value slice is the spicy wing order: tasty long-term, messy in the short term. Compared with a straight large-cap index, this setup adds risk and potential return — but also more tracking error, meaning it will sometimes look weird versus standard benchmarks. If that tracking error causes emotional panic, scaling back the micro/small tilt a bit could keep the personality without the mood swings.

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.

Risk vs return here is aggressively tilted toward “I’ll take the faster roller coaster, thanks.” For a given level of volatility, this portfolio probably sits near the efficient frontier — that curve showing the best return you can expect for each risk level — but only if you’ve already chosen “high risk” as your neighborhood. It’s efficient among the daredevils, not among the chill crowd. The drawdown profile shows that you’re absolutely earning your returns with real gut-punch moments. Shaving a bit of equity exposure or adding a small stabilizer sleeve could move you to a slightly calmer spot on that frontier without gutting long-term growth.

Dividends Info

  • Avantis® Emerging Markets Equity ETF 2.20%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Schwab International Equity ETF 3.10%
  • Schwab U.S. Large-Cap ETF 1.10%
  • Weighted yield (per year) 1.64%

A total yield of 1.64% is basically the portfolio whispering, “You’re here for growth, not a paycheck.” Dividends are just the cash companies toss you while you wait; this setup says you’re mostly waiting on price appreciation. The international ETF is doing the heavy lifting with a 3.1% yield, while U.S. large caps and small value throw in pocket change. That’s fine if the focus is compounding over withdrawals. But if future income becomes a goal, this structure will feel stingy. Reinvesting for now makes sense; later on, reallocating toward higher-yielding or more income-focused equity could shift it into a more cash-friendly phase.

Ongoing product costs Info

  • Avantis® Emerging Markets Equity ETF 0.33%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. Large-Cap ETF 0.03%
  • Weighted costs total (per year) 0.09%

Costs are where this portfolio suspiciously looks like it knows what it’s doing. A total TER of 0.09% is impressively low — you’re basically paying index-fund prices for a sensible structure. Think of TER (Total Expense Ratio) as the cover charge: under 0.10% is “VIP got in free” level. The Avantis funds are pricier but still reasonable given their more active-ish style. Over decades, this fee level can mean tens of thousands more staying in your pocket instead of funding someone’s office espresso machine. There’s not much to fix here; just don’t ruin the vibe by adding expensive, shiny products for no good reason.

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