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A Jack of All Trades Portfolio That's Master of None

Report created on Jul 30, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification
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Positions

This portfolio is like a buffet where you pile up a bit of everything onto your plate, hoping it tastes good together. With a 40% stake in the S&P 500 and a smattering of developed, emerging, and bond markets, it screams "I want it all" without a clear strategy. It's diversified, sure, but it's like mixing every soda at the fountain - technically, you've tried everything, but the result is questionable. A more focused approach could avoid the "just because you can, doesn't mean you should" vibe.

Growth Info

Historically, this portfolio has been like that friend who brags about their wild Vegas winnings but mumbles about the losses. A 9.6% CAGR is respectable until you realize the -28.83% max drawdown. Those 28 days making up 90% of returns? That's the financial equivalent of cramming for exams; it works until it doesn't. It's a wake-up call to not rely on past heroics for future success.

Projection Info

Monte Carlo simulations are like weather forecasts for your money, showing what could happen without promising sunshine. With projections ranging from a chilly -7.6% to a sunny 226%, it's clear your portfolio is wearing shorts in a snowstorm. The fact that 931 out of 1000 simulations are positive is like saying, "It probably won't rain," without an umbrella in hand. It's time to pack some financial rain gear by reassessing risk.

Asset classes Info

  • Stocks
    76%
  • Bonds
    23%
  • Cash
    1%

Diving 76% into stocks with a side of 23% bonds is like ordering steak with a salad on the side; it's balanced, but the steak is clearly the star. This heavy tilt towards stocks, especially in a "balanced" portfolio, is like riding a unicycle on a tightrope. Sure, it's doable, but why make it harder on yourself? Consider beefing up the bonds or diversifying the sides to avoid dietary regret.

Sectors Info

  • Technology
    19%
  • Financials
    14%
  • Industrials
    10%
  • Consumer Discretionary
    8%
  • Health Care
    7%
  • Telecommunications
    6%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Energy
    3%
  • Real Estate
    2%
  • Utilities
    2%

With technology and financial services hogging the limelight, this portfolio is like a movie focusing too much on its stars and forgetting about the supporting cast. This sector tilt is akin to betting on your favorite sports team because they had a good season once. Markets, like sports, are unpredictable. Balancing across sectors can prevent your financial game from being rained out.

Regions Info

  • North America
    50%
  • Europe Developed
    12%
  • Japan
    5%
  • Asia Emerging
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This portfolio's "America or bust" approach, with a half-hearted nod to international diversification, is like planning a world tour and only leaving your continent once. While home country bias is comforting, it's like eating at the same restaurant every night; you're missing out on the world's flavors. Expanding your geographical palate could lead to discovering the financial equivalent of your new favorite dish.

Market capitalization Info

  • Mega-cap
    32%
  • Large-cap
    23%
  • Mid-cap
    13%
  • Small-cap
    7%
  • Micro-cap
    2%

This portfolio's preference for mega and big caps is like being friends with the popular crowd and ignoring everyone else. While there's safety in numbers, the 7% small cap and the token 2% micro cap investments are like bringing a knife to a gunfight. Diversifying across market caps can be like having a Swiss Army knife instead of just a spoon.

Redundant positions Info

  • SPDR® Portfolio S&P 600 Small Cap ETF
    SPDR Russell Small Cap Completeness
    High correlation

High correlation between the small cap ETFs is like wearing two left shoes; it might feel like you're doing something different, but you're just tripping over yourself. This redundancy doesn't add value but complicates your stride. Simplifying your selection to enhance your portfolio's walkability could prevent unnecessary faceplants.

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.

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This portfolio's idea of optimization is like deciding to lose weight by only eating salads but topping them with heavy dressing. The suggestion to remove overlapping assets is spot on; it's like cleaning out your closet and realizing you own five of the same shirts. Streamlining your investments can help your portfolio work out more efficiently, akin to a well-planned fitness routine.

Dividends Info

  • iShares Core U.S. Aggregate Bond ETF 3.80%
  • Vanguard Total International Bond Index Fund ETF Shares 4.30%
  • SPDR® Portfolio S&P 500 ETF 1.20%
  • SPDR Russell Small Cap Completeness 1.40%
  • SPDR® Portfolio S&P 600 Small Cap ETF 1.90%
  • iShares 0-5 Year TIPS Bond ETF 2.90%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Vanguard Emerging Markets Government Bond Index Fund ETF Shares 6.10%
  • Weighted yield (per year) 2.34%

Chasing dividends in this portfolio is like fishing with a net that has holes; you might catch something, but it's not as efficient as it could be. With a total yield of 2.34%, it's clear that the portfolio is trying to serve income with a side of growth. However, focusing too much on yield can be like eating dessert before dinner; satisfying now but potentially regrettable later.

Ongoing product costs Info

  • iShares Core U.S. Aggregate Bond ETF 0.03%
  • Vanguard Total International Bond Index Fund ETF Shares 0.07%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • SPDR Russell Small Cap Completeness 0.03%
  • SPDR® Portfolio S&P 600 Small Cap ETF 0.03%
  • iShares 0-5 Year TIPS Bond ETF 0.03%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard Emerging Markets Government Bond Index Fund ETF Shares 0.20%
  • Weighted costs total (per year) 0.04%

The overall Total Expense Ratio (TER) of 0.04% is a rare gem in this portfolio, like finding a dollar in a coat pocket. It's low enough to make cost-conscious investors nod in approval, but let's not throw a party just yet. Even with low costs, the real value comes from how well the portfolio is aligned with your goals, not just how cheaply it runs.

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