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A vanilla portfolio that loves Vanguard but fears true diversification adventure

Report created on May 26, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio is like a safety blanket made entirely of Vanguard ETFs, suggesting a "play it safe" strategy with a twist of "I only shop at one store." Holding 50.2% in an S&P 500 ETF screams "originality isn't my strong suit," while the sprinkle of international and bond ETFs feels like adding a single spice to an otherwise bland recipe. The effort to diversify is there, but it's like adding a dash of salt to water and calling it soup.

Growth Info

With a CAGR of 10.93%, it's like cruising in the fast lane but only just realizing there are cars with turbo. Sure, you're moving faster than inflation and savings accounts, but the thrill of the market's highs and lows is somewhat muted. The -33.40% max drawdown is a stark reminder that even the safest roads have potholes, proving that even a portfolio dressed in bubble wrap can get bruised.

Projection Info

Monte Carlo simulations are like video game simulations of your financial future, and this portfolio's got the predictability of a Mario Kart track on 50cc - slow, steady, but unlikely to excite. A 50th percentile projection of 170.6% growth sounds great until you remember it's a simulation, not a promise. The key takeaway? Don't count your digital coins before they hatch, especially when the simulation's optimism could be as misleading as a banana peel on the track.

Asset classes Info

  • Stocks
    94%
  • Bonds
    5%
  • Cash
    1%

With 94% in stocks, this portfolio is like a diet consisting almost entirely of meat - heavy, with a side of risk, and not much else. The 5% in bonds is like adding a leaf of lettuce and calling it a balanced meal. Sure, there's an attempt at diversification, but it's so minimal it barely registers. A 1% cash position is like keeping a spare change jar; it's there, but it's not going to fund your retirement or even a minor emergency.

Sectors Info

  • Technology
    24%
  • Financials
    16%
  • Industrials
    10%
  • Consumer Discretionary
    10%
  • Health Care
    10%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    3%
  • Real Estate
    3%
  • Utilities
    2%

The sector spread is like a party where tech and financial services are hogging the dance floor. With 24% in technology, it's clear where the heart lies, but the lack of substantial allocation to emerging sectors suggests a fear of trying new moves. Consumer cyclicals, healthcare, and industrials are given a nod, but it's more of an awkward wave than a hearty handshake. This sector allocation strategy plays it safer than a dad at a disco, sticking to the moves he knows.

Regions Info

  • North America
    71%
  • Europe Developed
    10%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

With 71% in North America, this portfolio has a home team bias that's stronger than a sports fan's. Dabbling with 10% in developed Europe and a timid toe-dip into emerging markets shows a reluctance to venture far from familiar shores. It's like planning an around-the-world trip but only visiting places where they speak your language. There's a whole world out there, and this portfolio's passport is barely stamped.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    28%
  • Mid-cap
    18%
  • Small-cap
    6%
  • Micro-cap
    2%

With a heavy lean towards mega and big caps (67% combined), this portfolio is like a kid who only plays with the biggest, shiniest toys, ignoring the small, potentially more interesting ones. Medium caps get some attention, but small and micro caps are practically in the toy box's forgotten corner. It's a conservative approach, sure, but also one that misses out on the growth potential and excitement that smaller companies can bring.

Redundant positions Info

  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    Vanguard Total International Stock Index Fund ETF Shares
    High correlation
  • Vanguard Total Stock Market Index Fund ETF Shares
    Vanguard S&P 500 ETF
    High correlation

The high correlation between certain ETFs is like buying five different brands of plain white T-shirts and calling it a wardrobe. With Vanguard ETFs overlapping in U.S. and developed markets, it's less diversification and more duplication. It's as if the portfolio is echoing in a canyon, with each ETF's performance bouncing off the others. A little variety could turn this echo into a harmony, rather than a repetitive tune.

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.

The portfolio's attempt at diversification is like trying to make a quilt out of nearly identical patches; it ends up being too much of the same. The advice to remove overlapping assets is akin to telling someone to stop buying the same shirt in slightly different shades of beige. It's a step towards realizing that true diversification involves a broader color palette, not just variations on a theme.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.80%
  • Vanguard S&P 500 ETF 1.30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.30%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 3.00%
  • Vanguard Extended Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.82%

The dividend yield averaging 1.82% is like finding loose change under the couch cushions; it's nice to have, but you're not going to fund a vacation with it. While dividends offer a steady trickle of income, relying on them for significant returns in this low-yield setup is like hoping those couch cushions also contain forgotten treasure maps. It's a conservative play that suits the portfolio's overall cautious theme, but it's hardly going to make anyone rich.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard Extended Market Index Fund ETF Shares 0.06%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

The total TER of 0.04% is the portfolio's saving grace, like finding a high-quality item at a thrift store for a bargain. It's one of the few areas where the portfolio doesn't play it too safe, optimizing costs efficiently. This frugality is commendable, akin to squeezing every last drop out of a lemon. It's a reminder that sometimes, the best things in life (or at least in investing) don't have to cost a fortune.

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