Roast mode 🔥

Confident almost genius portfolio that still manages to leave free money lying on the table

Report created on Mar 27, 2026

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.

Positions

Structurally, this portfolio is “three-fund classic” with a couple of nerdy factor side quests bolted on. You’ve got a big, boring total US core, a solid international sleeve, then you suddenly slam the gas with quality and small value tilts like you discovered financial Twitter in 2020. It’s diversified enough to look respectable, but very much an all‑equities thrill ride dressed up as sensible. The mix screams long-term, high-conviction equity believer who couldn’t resist tinkering. The key takeaway: this is not complicated, and that’s mostly good — but don’t kid yourself, 100% stocks plus factor tilts means you signed up for emotional whiplash when markets actually hurt.

Growth Info

Historically, $1,000 turning into $2,092 since late 2019 is nothing to complain about, but let’s not pretend it’s heroic. A 13.35% CAGR is strong, yet the plain US market still beat it by about 1% per year while taking slightly smaller max drawdowns. You paid for your clever factor tilts with extra pain and didn’t even beat the boring US index. On the bright side, you did comfortably outpace the global market. CAGR (compound annual growth rate) is basically your “average speed,” and yours is solid — just not “I outsmarted the market” solid. Past data’s like yesterday’s weather forecast: useful context, terrible crystal ball.

Asset classes Info

  • Stocks
    100%

You went full send: 100% stocks, 0% anything else. No bonds, no cash buffer, no safety net. It’s like building a house entirely out of glass because the view is better. For a growth-oriented, long-horizon person, this can absolutely make sense, but it requires a stomach made of steel and a calendar measured in decades, not years. The trade-off is simple: higher expected return, higher crash potential. When the market drops 40%, this portfolio just shrugs and drops with it — by design. Takeaway: this setup is for someone whose plan is “I won’t need this money anytime soon and I promise not to panic.”

Sectors Info

  • Technology
    21%
  • Financials
    17%
  • Industrials
    15%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Basic Materials
    6%
  • Telecommunications
    6%
  • Consumer Staples
    6%
  • Energy
    4%
  • Real Estate
    3%
  • Utilities
    2%

Sector-wise, you’re wearing the tech-forward, risk-on uniform of a modern equity investor whether you intended to or not. Around a fifth in technology, then chunky allocations to financials and industrials — it’s basically the global business machine with a mild tech caffeine addiction. Nothing is absurdly overconcentrated, which is good, but let’s be honest: if the tech and growth narrative cracks, you’ll feel it hard because those giants in your top holdings dominate the index world. Still, no single sector is screaming “all in,” so the roast is mild here: you basically outsourced your sector decisions to the index committee and said, “You drive.”

Regions Info

  • North America
    65%
  • Europe Developed
    14%
  • Japan
    8%
  • Asia Developed
    4%
  • Asia Emerging
    4%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, this is very much “America first, but I’ll sprinkle in the rest of the planet to look cultured.” About two-thirds North America, the rest scattered decently across developed and emerging regions. For a US-based investor, that home bias is totally normal, just not exactly original. The good news: you’re not ignoring the rest of the world like many do. The bad news: your fate is still heavily tied to one economy, one currency, one policy regime. Takeaway: international exposure here is solid enough to be useful, but not big enough to save you if the US market really decides to have a lost decade.

Market capitalization Info

  • Mega-cap
    29%
  • Mid-cap
    25%
  • Large-cap
    24%
  • Small-cap
    15%
  • Micro-cap
    5%

Your market cap mix is basically “cap-weighted plus a side of small-cap spice.” Almost 80% in mega/large/mid, with a meaningful 20% or so in small and micro. That’s not insane, but it does tilt you toward the bumpier part of town. Small and micro caps can be like startup energy on steroids: higher long-term potential, more frequent punches to the face. At least the tilt is deliberate via your small value funds instead of accidental chaos. Takeaway: you’ve chosen to ride both the ocean liners and the speedboats — just remember which ones flip over first in a storm.

True holdings Info

  • Apple Inc
    2.46%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard U.S. Quality Factor
  • NVIDIA Corporation
    2.35%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    1.68%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.16%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.04%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.96%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Broadcom Inc
    0.87%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.82%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    0.81%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    0.65%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 12.80%

The look-through holdings basically say, “I pretend to be diversified, but I still worship the tech overlords.” Apple, NVIDIA, Microsoft, Amazon, Alphabet, Meta, Tesla — all in there via your broad ETFs, giving you a hidden mega-cap tech bias whether you meant to or not. Overlap is understated since we only see top 10s, but it already shows the usual suspects starring in multiple funds. This is like ordering five different combo meals and still ending up with the same fries. Takeaway: even with factor tilts, broad funds mean you’re still heavily tied to the fate of a handful of giant, flashy companies driving a big chunk of the ride.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 20%
Size
Exposure to smaller companies
Very high
Data availability: 72%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Very high
Data availability: 14%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor-wise, you went full nerd. Heavy tilts to value, size, and quality all at once — basically saying, “I want cheap, smaller, and actually decent companies.” Momentum and low volatility are kind of middle-of-the-road, so you’re not purely chasing the hottest names or hiding in the safest stuff. Factor exposure is like reading the ingredient label instead of just trusting the brand, and yours says: intentional, slightly contrarian, and willing to be wrong for long stretches. The catch: coverage isn’t perfect, so the picture is fuzzy. Still, big value and size tilts mean you will underperform when mega-cap growth is on a tear, which we already saw historically.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 38.00%
    38.9%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 28.00%
    25.2%
  • Vanguard U.S. Quality Factor
    Weight: 14.00%
    15.1%
  • Vanguard Small-Cap Value Index Fund ETF Shares
    Weight: 10.00%
    11.8%
  • Avantis® International Small Cap Value ETF
    Weight: 10.00%
    9.0%

Risk contribution is where we find out which holdings are actually driving the mood swings — and surprise, your biggest weights are doing exactly that. The top three funds are nearly 80% of your total risk, with the broad US fund alone matching its weight in risk. Nothing is wildly out of proportion, so no single ETF is secretly acting like a leveraged meme bet. Still, your “spicy” small-cap value funds pack more volatility per pound than the plain-vanilla pieces. Rebalancing occasionally so those riskier slices don’t quietly bloat can help avoid waking up one day and realizing your “tilt” turned into an accidental personality trait.

Redundant positions Info

  • Vanguard Small-Cap Value Index Fund ETF Shares
    Vanguard U.S. Quality Factor
    High correlation

Your correlated assets section politely whispers, “Hey, those smart-sounding factor funds kind of move together.” The small-cap value ETF and the US quality factor fund are tightly linked, which means they’re not giving you as much diversification as you might hope. Correlation just means things wiggle in roughly the same direction at the same time — in a crash, they won’t politely take turns going down. The lesson: owning multiple funds that rhyme doesn’t spread risk as much as the ticker list suggests. Differentiation comes more from truly different exposures, not just slapping different marketing labels on US equity strategies.

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 risk–return chart politely screams, “Nice idea, slightly sloppy execution.” Your current portfolio Sharpe ratio (0.58) sits below both the optimal mix (0.75) and even the minimum variance portfolio (0.60). Translated: for the risk you’re taking, there’s a better way to combine these exact same funds to squeeze out more expected return or reduce risk. The efficient frontier is just the menu of best trade-offs; you’re currently ordering something from the “meh” section. Same-risk optimization hints you could go from 13.45% to roughly 15.30% expected return without cranking risk — just by reweighting. You did the hard part picking decent ingredients, then kind of half‑assed the recipe.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.10%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1.90%
  • Vanguard U.S. Quality Factor 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 1.96%

A total yield around 1.96% is very “I’m here for growth, not for a paycheck.” This is not an income machine; it’s a reinvest-and-compound setup. Dividends are a nice side quest, not the main storyline. If someone tried to live off this, they’d be constantly selling shares or learning to love instant noodles. The relatively higher yields are hiding in your international and small value sleeves, which fits the stereotype: boringly cheap companies paying you to wait. Takeaway: this structure fits an accumulation mindset — where every payout gets plowed back in — far more than a “send me the cash” lifestyle.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard U.S. Quality Factor 0.13%
  • 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) 0.09%

Costs are where you accidentally behaved like a pro. A total TER of 0.09% is basically robbery in your favor. You’re paying index-level fees for a portfolio with actual factor thought behind it, which is rare — usually the word “factor” adds a 0.3–0.5% tax just for sounding clever. TER (total expense ratio) is the quiet leak in the boat; at 0.09%, your hull is basically watertight. The only mild roast: you picked one fund at 0.36%, which is expensive relative to the rest, but still not outrageous if it’s delivering the exposure you wanted. Overall, you didn’t fumble the fee game.

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