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A portfolio that's more scattergun than sharpshooter with a quirky love for small caps and gold

Report created on Aug 10, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio seems to have been assembled with the same strategy as throwing darts blindfolded at a list of ETFs. With a top-heavy allocation in small cap value and a surprisingly hefty weight in gold, it's like someone tried to diversify but got distracted halfway through by a shiny object. The mix is eclectic, resembling a salad made from whatever was left in the fridge. While there's a nod to global diversification and real estate, the overall coherence is lacking, making it a puzzling concoction of investment choices.

Growth Info

Judging by the historic CAGR of 11.32%, it seems this portfolio has been riding the small-cap and S&P 500 coattails quite effectively, but let's not get too excited. The -20.26% max drawdown is a stark reminder that this ride can get bumpy. It's like enjoying a rollercoaster until you remember you're afraid of heights. The performance is decent, but those 14 days carrying 90% of returns? That's not strategy, that's luck, like finding money on the street and calling it income.

Projection Info

Monte Carlo simulations are like those weather forecasts that say it might rain, or it might not — useful, but with a grain of salt. With projections ranging from a modest 4.8% to an eye-watering 330.9%, it's clear this portfolio could go anywhere from "meh" to "moon." However, the fact that 958 out of 1,000 simulations return positive results doesn't mean you're set; it means you're gambling with slightly better odds than Vegas.

Asset classes Info

  • Stocks
    69%
  • Real Estate
    8%

With 69% in stocks and a curious 8% in real estate, this portfolio's asset class spread is like a diet consisting mainly of meat with a side of vegetables for show. The complete absence of bonds or cash equivalents is like riding a bicycle without brakes — exhilarating until you need to stop. Diversifying across asset classes isn't just wise; it's essential unless you enjoy financial rollercoasters.

Sectors Info

  • Financials
    14%
  • Technology
    12%
  • Industrials
    10%
  • Consumer Discretionary
    10%
  • Real Estate
    9%
  • Energy
    6%
  • Health Care
    4%
  • Basic Materials
    4%
  • Telecommunications
    4%
  • Consumer Staples
    4%
  • Utilities
    1%

The sector allocations read like someone's investment bingo card, with a heavy lean on financial services and technology but just a dab in utilities and consumer defensive. This approach is akin to wearing a raincoat and flip-flops in a storm — somewhat prepared, but missing the mark. The heavy bets on cyclical sectors could lead to volatility that's not for the faint-hearted.

Regions Info

  • North America
    62%
  • Europe Developed
    6%
  • Japan
    4%
  • Asia Emerging
    1%
  • Australasia
    1%
  • Asia Developed
    1%
  • Africa/Middle East
    1%

North American bias is strong with this one, holding 62% of the geographic allocation. It's like planning a world tour and only visiting Canada and the US. The sprinkle of developed Europe and Japan does little to offset the home country bias, leaving emerging markets and other regions as mere afterthoughts. This portfolio could benefit from remembering that there's a whole world out there.

Market capitalization Info

  • Small-cap
    17%
  • Mega-cap
    16%
  • Micro-cap
    15%
  • Mid-cap
    14%
  • Large-cap
    14%

The preference for small, micro, and medium caps over mega and big caps is like choosing a fleet of speedboats over a couple of yachts. While it can lead to thrilling rides (and potentially outsized gains), it also means bracing for choppy waters. This cap-size tilt is a clear bet on growth, but with growth comes risk — the kind that can turn stomachs.

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 current setup is like insisting on using a map when you have GPS — it'll get you there, but not as efficiently as possible. With an optimal portfolio promising a 15.67% return at a comparable risk level, sticking with the current allocation feels like leaving money on the table. It's a reminder that sometimes, a little adjustment can go a long way toward reaching your destination more smoothly.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.70%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 2.70%
  • Vanguard Real Estate Index Fund ETF Shares 3.90%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.60%

The dividend yield strategy here is like expecting a trickle from a faucet to fill a swimming pool — optimistic but impractical. With a total yield of 1.60%, it's clear that income generation is not a priority, which is fine if you're not relying on your investments to pay bills. However, for those looking for their investments to provide a steady cash flow, this approach might leave you parched.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares® Gold Trust Micro 0.09%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 0.07%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.14%

The total TER of 0.14% is surprisingly palatable, like finding a decent bottle of wine for under ten bucks. It's one of the few areas where this portfolio doesn't induce a wince. Keeping costs low is commendable and helps ensure more of your money stays invested. However, when the investment choices are as scattershot as these, one wonders if the low fees are a consolation prize.

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