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A textbook example of playing it safe but maybe too safe for its own good

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

What type of investor this portfolio is suitable for

Balanced Investors

This portfolio is tailor-made for someone who thinks "adventure" means choosing a new flavor at their favorite ice cream shop. It's for the investor who likes the idea of the stock market but prefers the financial equivalent of a cozy blanket and a good book. If you have a low tolerance for risk, dreams of a stable but somewhat predictable financial future, and a time horizon that's more marathon than sprint, then congratulations, this portfolio is your soulmate. Just don't expect any heart-racing moments.

Positions

  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    65.00%
  • Vanguard Total Bond Market Index Fund ETF Shares
    BND - US9219378356
    25.00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    10.00%

This portfolio screams "I read an investing for dummies book once" with its almost religious adherence to the 60/40 stock-to-bond ratio, with a timid nod to international diversification. It's like wearing a life jacket in a kiddie pool — overly cautious and slightly embarrassing. You've got the Vanguard Total Stock Market Index Fund ETF Shares hogging the spotlight like a prima donna, while bonds play the loyal sidekick, and international stocks are the forgotten backup dancers. This is diversification, sure, but it's like seasoning your steak with just salt — technically it works, but boy, is it bland.

Growth Info

With a CAGR of 11.38%, it seems like you've managed to catch some decent waves without totally wiping out. However, that Maximum Drawdown of -28.67% is a stark reminder that even the safest ships can hit rough seas. It's like you've been riding a tricycle with training wheels in a race against bicycles. Sure, you haven't fallen, but you haven't exactly been leading the pack either. Those 35 days carrying 90% of your returns? That's like banking on winning the lottery to fund your retirement — thrilling, but not a strategy.

Projection Info

Monte Carlo simulations are like those weather forecasts that say there's a 50% chance of rain — informative but vaguely. With projections ranging from a drizzle (22.7%) to a downpour (306.8%), your portfolio's future looks as predictable as a game of roulette. The good news? You're mostly likely to stay dry with 980 out of 1,000 simulations showing positive returns. The bad news? Your umbrella (aka this portfolio) might not be the most stylish or effective choice out there.

Asset classes Info

  • Stocks
    74%
  • Bonds
    25%
  • Cash
    1%
  • Other
    0%
  • No data
    0%

Stocks. Bonds. A sprinkle of cash. It's like the vanilla ice cream of investing — reliable, but yawn-inducing. With 74% in stocks, you're showing some willingness to ride the market's waves, but that 25% in bonds is like keeping one foot on the shore, just in case. And that 1% in cash? It's like keeping a dollar in your pocket while walking past a dollar store — not particularly useful, but gives a false sense of security.

Sectors Info

  • Technology
    23%
  • Financials
    11%
  • Consumer Discretionary
    8%
  • Industrials
    7%
  • Telecommunications
    7%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Energy
    2%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    2%

Your sector allocation is like a buffet where you loaded up on tech and financial services, then got shy with the other options. Technology at 23%? Hello, future! But also, hello, volatility. The spread through industrials, healthcare, and the rest is like saying, "I'll try a bit of everything," but then mostly filling your plate with chips. It's a strategy, but not one that wins any nutrition (or diversification) awards.

Regions Info

  • North America
    66%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%
  • Australasia
    0%
  • Africa/Middle East
    0%
  • Latin America
    0%
  • Europe Emerging
    0%

North America at 66%, with only crumbs left for the rest of the world? This portfolio has a serious case of home bias. It's like planning a world tour and then just visiting Canada and Mexico. Europe and Asia are barely on the radar, and let's not even talk about the emerging markets — apparently, they're just myths. This isn't just playing it safe; it's playing it boring. The world's a big place, and you're missing out.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    23%
  • Mid-cap
    14%
  • Small-cap
    4%
  • Micro-cap
    1%

Mega and big caps make up over half your portfolio, making it the financial equivalent of putting all your eggs in a few very large baskets. Sure, these companies are less likely to topple over than a Jenga tower, but they're also less likely to sprint like Usain Bolt. Meanwhile, small and micro caps are like the kids' table at Thanksgiving — seen, but not heard. This approach is as cautious as choosing a minivan for its safety ratings over a sports car for its speed.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.94%

The dividend yield across your portfolio is like finding change in the couch — a nice surprise but hardly a game changer. With a total yield of 1.94%, it's clear you're not living off these dividends any time soon. It's a conservative strategy, akin to storing emergency cash under your mattress. Sure, it's safe, but let's just say it's not the most lucrative way to grow your wealth.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.03%

Kudos for keeping costs low with a Total Expense Ratio (TER) of 0.03%. It’s like finding a parking spot in the city that doesn’t cost an arm and a leg — a rare gem. However, when the biggest excitement in your portfolio is how little it costs to maintain, it might be time to reassess your adventure levels. Yes, low fees are great, but they shouldn't be the highlight of your investment strategy.

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.

Your portfolio's attempt at risk vs. return optimization is like trying to balance a seesaw with an elephant on one side and a mouse on the other. Sure, you've got a nice mix of stocks and bonds, but it's so heavily skewed towards playing it safe that you're missing out on potential growth opportunities. It's like you're aiming for the efficient frontier but ended up wandering around in the safe zone instead. Time to recalibrate your compass.

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