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A so called balanced portfolio that is actually an almost pure stock market roller coaster

Report created on Jan 20, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This setup is “balanced” in the same way a unicycle is a “balanced” vehicle. You’ve got roughly 80% in one global stock fund and 20% in another global-ish stock fund that heavily overlaps the first. On paper it looks diversified; in reality it’s basically one giant equity bet with a small tilt toward non‑US stocks. Compared with typical balanced portfolios that hold 40–60% in bonds or other stabilizers, this thing is running hot. If the goal is smoother rides, adding some truly different stuff (like safer, income‑oriented assets) would go a long way toward making the label “balanced” less of a joke.

Growth Info

Historically, a 13.3% CAGR (Compound Annual Growth Rate) is the financial equivalent of catching a nice tailwind. CAGR is just your average yearly speed on a long road trip, ignoring the potholes. But that –34% max drawdown is the big crater you hit on the highway. That’s normal for an almost‑all‑stock setup, but ugly for something labeled moderate. Versus typical balanced benchmarks, this is more “equity index fund” than “sleep‑well mix.” Past data is like yesterday’s weather: helpful but not destiny. Still, if gut‑wrenching drops are a problem, dialing down volatility now is smarter than pretending the next crash won’t hurt.

Projection Info

The Monte Carlo simulation here basically rolled the dice 1,000 times on future returns using past volatility and return patterns. It spits out median growth around 394% and a low‑end 5th percentile still above break‑even, which is suspiciously optimistic for something this stock‑heavy. Simulations are like video game replays of history with random twists: fun, informative, and absolutely not a guarantee. The key takeaway: the portfolio has big upside but does not magically erase crash risk; a bad decade will still feel bad. If long‑term growth is the goal, mixing in assets that behave differently could keep future drawdowns from turning into “do I sell everything?” moments.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Asset classes: 99% stocks, 1% cash, 0% everything else. That “Broadly Diversified” label is doing some heavy marketing work here. Within stocks it’s broad, sure, but in the real world diversification means owning stuff that doesn’t all tank together. A classic “balanced” mix would usually include bonds, maybe some real assets or other stabilizers to act like shock absorbers. This portfolio is more like a sports car with race tires and no brakes: great when roads are dry, terrifying in a storm. If the goal is staying invested through crashes, sprinkling in genuinely lower‑risk assets would make the ride far more survivable.

Sectors Info

  • Technology
    24%
  • Financials
    18%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    3%

Sector-wise, this is basically the global equity market: tech at 24%, financials at 18%, then a decent spread across industrials, cyclicals, healthcare, and the usual suspects. Translation: you’re riding the same sector roller coaster as the world index, nothing more, nothing less. “Tech addiction detected” is fair, but that’s just how the modern market looks. The issue isn’t that the sector mix is wild; it’s that all sectors are still stocks, and they like to dive together in panics. If someone wants real sector ballast, they’d need exposure that doesn’t live or die on corporate earnings and global growth optimism.

Regions Info

  • North America
    54%
  • Europe Developed
    19%
  • Asia Emerging
    8%
  • Japan
    8%
  • Asia Developed
    6%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geography screams “global but still very USA‑centric,” with about 54% in North America and the rest scattered across Europe, Japan, developed Asia, and a sprinkling of emerging markets. So yeah, not “America or bust,” more “America first with international side quests.” That’s actually one of the more sensible parts: broad global spread and not some random single‑country obsession. The catch is that all these regions are still equities, and global markets often panic together. Geographic diversification helps against local disasters and currency swings, but it’s not magic armor. Want genuine geographic risk spreading? Pair stocks with region‑agnostic safety nets, not just more foreign stocks.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    31%
  • Mid-cap
    18%
  • Small-cap
    5%
  • Micro-cap
    1%

Market cap mix is textbook index: 43% mega, 31% big, 18% mid, a small dab of small and micro caps. No wild “YOLO into tiny companies” energy here; it’s a calm worship of the global giants with a few smaller names tagging along. That’s fine, but it also means returns are heavily dictated by huge corporations, especially US megacaps. When the giants sneeze, your portfolio catches the flu. If someone actually wanted a different risk profile, they’d tilt intentionally toward smaller or more defensive names, or better yet, incorporate assets that don’t care whether megacap stocks are having a mood swing.

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.

In risk–return terms, this portfolio sits far closer to “growth junkie” than “balanced thinker.” The Efficient Frontier — fancy term for the best risk‑return combos — would usually show that you can often trim a chunk of volatility with only a small hit to expected returns by adding lower‑risk assets. Instead, this mix is basically hugging the stock line and hoping history repeats. That can work over long horizons, but it’s punishing during crashes and early‑retirement windows. If the real aim is a balanced life, not maximum bragging rights, nudging the allocation toward a saner risk‑reward tradeoff would be a lot more rational than the current all‑gas‑no‑brakes approach.

Dividends Info

  • Vanguard Total World Stock Index Fund ETF Shares 1.80%
  • Vanguard Total International Stock Index Fund ETF Shares 3.10%
  • Weighted yield (per year) 2.06%

Total yield around 2.1% is a solid “nice to have” but nowhere near an income strategy. It’s like getting a small snack while running a marathon — helpful, but you’re not living on it. Chasing dividends in a setup like this would be missing the point; the main engine is capital growth, not regular cash flow. If someone wants stable income, this equity‑heavy global mix is a drama queen: payouts fluctuate, prices swing, and withdrawal plans can get wrecked in a downturn. For income needs, blending in more reliable, lower‑volatility payers would beat hoping stock dividends behave like a salary.

Ongoing product costs Info

  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.07%

Costs are almost suspiciously good: around 0.07% total. That’s “you must have clicked the right ETF by accident” territory. Fees are not the villain here; if anything, they’re the one genuinely clean part of the story. Low TER (Total Expense Ratio) just means the fund managers aren’t quietly siphoning off chunks of your returns every year. But saving on fees only helps if the risk level matches the actual goals. It’s like finding a cheap sports car — great deal, still dangerous if you really needed a minivan. The next upgrade isn’t cheaper; it’s smarter alignment with risk tolerance.

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