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A Vanguard love affair with a side of duplication and a sprinkle of international flavor

Report created on Jun 12, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

This portfolio screams, "I heard Vanguard funds are good, so I bought them all!" With over 60% in just two U.S. stock index funds, it's like betting on every horse in the race and still somehow managing to pick the ones that run together. The effort to diversify is like buying different brands of the same flavored chips and calling it a meal. It's time to rethink what diversification really means—hint: it's not owning five variations of the same fund.

Growth Info

Historically, this portfolio's CAGR of 12.13% might make you feel like a Wall Street wizard, but remember, even a broken clock is right twice a day. With a max drawdown of -34.62%, it's clear this portfolio doesn't just ride the waves; it gets caught in the storm. Diversification doesn't mean much if all your assets decide to take a nosedive together. Let's aim for smoother sailing rather than celebrating surviving the hurricane.

Projection Info

Monte Carlo simulations are like playing financial fortune-teller, but with math. Unfortunately, relying on them is like trusting a weather forecast from two weeks out—take it with a grain of salt. With projections ranging wildly, this portfolio could either be a modest success or a lesson in volatility. It's a reminder that in investing, as in life, there are no guarantees, except maybe the need for a more balanced approach.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

With 99% in stocks and a token 1% in cash, this portfolio is like showing up to a potluck with just a bag of chips. Stocks are great for growth, but where's the bond salad or the real estate dessert? A truly balanced meal—I mean, portfolio—includes a variety of asset classes. It's time to diversify your diet beyond the stock market buffet.

Sectors Info

  • Technology
    26%
  • Financials
    16%
  • Consumer Discretionary
    11%
  • Industrials
    11%
  • Health Care
    10%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    3%
  • Real Estate
    3%
  • Utilities
    3%

The sector allocation here leans heavily on technology and financial services, making it seem like someone's still partying like it's 1999. While tech can offer exciting growth, it also brings rollercoaster-like volatility. And financial services? It's like banking on bankers. Expanding into less represented sectors could provide some much-needed stability and flavor to this one-note symphony.

Regions Info

  • North America
    79%
  • Europe Developed
    9%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

With a staggering 79% in North America, this portfolio has a severe case of home bias. The world is a big place, filled with investment opportunities far beyond the familiar comfort of U.S. stocks. While the sprinkle of international funds is a start, it's like saying you're worldly because you once ate at an Italian restaurant. Embracing global diversification could help reduce risk and tap into growth elsewhere.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    30%
  • Mid-cap
    19%
  • Small-cap
    7%
  • Micro-cap
    2%

A heavy tilt towards mega and big caps tells a tale of playing it safe within the risky stock market playground. Sure, these giants are less likely to topple in a stiff breeze, but they also don't climb as quickly. Incorporating more medium, small, and even micro-caps could add some spice to this bland mix, offering higher growth potential alongside the risk.

Redundant positions Info

  • VANGUARD TOTAL STOCK MARKET INDEX FUND INSTITUTIONAL PLUS SHARES
    VANGUARD INSTITUTIONAL INDEX FUND INSTITUTIONAL SHARES
    Vanguard Total Stock Market Index Fund Admiral Shares
    High correlation
  • VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES
    VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
    VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND INSTITUTIONAL SHARES
    High correlation

The high correlation between your funds is like owning four toasters—sure, they all make toast, but you're missing out on the blender, oven, and microwave. In other words, your portfolio's diversification is an illusion. Different names, same underlying assets. It's time to declutter and actually diversify, not just collect variations on a theme.

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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Before even whispering the word "optimization," let's address the elephant in the room: you've got a case of fund duplication that's diluting your diversification efforts. It's like trying to improve a recipe by adding more of the same ingredient—what you really need is a new flavor. Start by consolidating those overlapping investments into a more coherent and diversified strategy.

Dividends Info

  • VANGUARD EMERGING MARKETS STOCK INDEX FUND INSTITUTIONAL SHARES 2.90%
  • VANGUARD INSTITUTIONAL INDEX FUND INSTITUTIONAL SHARES 2.50%
  • VANGUARD SMALL-CAP INDEX FUND INSTITUTIONAL SHARES 1.50%
  • VANGUARD TOTAL STOCK MARKET INDEX FUND INSTITUTIONAL PLUS SHARES 1.30%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 2.80%
  • VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES 2.70%
  • Vanguard Total Stock Market Index Fund Admiral Shares 1.30%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND INSTITUTIONAL SHARES 2.80%
  • Weighted yield (per year) 2.02%

A total yield of 2.02% is like finding loose change under the couch cushions—it's nice, but you're not funding a vacation with it. While dividends aren't the whole story, a more strategic approach to income-generating investments could add a steady stream to your financial reservoir, not just a trickle.

Ongoing product costs Info

  • VANGUARD EMERGING MARKETS STOCK INDEX FUND INSTITUTIONAL SHARES 0.09%
  • VANGUARD INSTITUTIONAL INDEX FUND INSTITUTIONAL SHARES 0.04%
  • VANGUARD SMALL-CAP INDEX FUND INSTITUTIONAL SHARES 0.04%
  • VANGUARD TOTAL STOCK MARKET INDEX FUND INSTITUTIONAL PLUS SHARES 0.02%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 0.09%
  • VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES 0.05%
  • Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND INSTITUTIONAL SHARES 0.06%
  • Weighted costs total (per year) 0.05%

The low costs are the silver lining in this cloudy portfolio. With an average TER of just 0.05%, you're navigating the cost aspect like a pro. It's like finding a cheap, yet delicious, lunch spot in a sea of overpriced eateries. Now, let's apply that savvy to the rest of your portfolio strategy.

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