A portfolio that loves the home crowd a bit too much and thinks small caps are the spice of life
Report created on Jul 21, 2025Risk profile
5/7
Diversification profile
4/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 70.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00%
This portfolio's backbone is a whopping 70% stake in the Vanguard S&P 500 ETF, making it clear that it's putting almost all its eggs in the large-cap basket. Diversification seems to be a misunderstood concept here, with a timid 15% nod towards international stocks and a sprinkle of small-cap enthusiasm. It's like deciding to diversify your diet by adding a slice of tomato to a plate full of steak – technically, it's more diverse, but you're still mostly eating steak.
Growth
With a CAGR of 15.70%, this portfolio might look like it's been hitting the gym regularly, but that max drawdown of -35.60% is a stark reminder of what happens when the market decides to throw a tantrum. Those 16 days making up 90% of returns? That's the financial equivalent of cramming for exams the night before – sure, you might pass, but it's not a strategy for long-term success.
Projection
Monte Carlo simulations are like those fortune cookies that give you a vague sense of the future, but with math. With outcomes ranging from a modest 22.9% to a whopping 455.5% at the 50th percentile, this portfolio is showing signs of potential. However, remember, Monte Carlo is based on past data, which is like trying to drive by only looking in the rearview mirror – interesting, but not exactly safe.
Asset classes
- Stocks 99%
- Cash 1%
Stocks, stocks, and more stocks. With 99% of this portfolio in equities and a lonely 1% in cash, it's like going on a road trip with no spare tire. Sure, you might get there faster, but what will you do if you hit a bump? A little more balance could prevent a complete breakdown when the market gets bumpy.
Sectors
- Technology 26%
- Financials 17%
- Consumer Discretionary 12%
- Industrials 10%
- Health Care 8%
- Telecommunications 8%
- Consumer Staples 6%
- Energy 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
With a heavy tilt towards technology and financial services, this portfolio is like a tech bro who thinks blockchain and AI are the answer to everything. While these sectors can offer growth, they also come with volatility. It's like riding a roller coaster – thrilling, but not for the faint of heart.
Regions
- North America 86%
- Europe Developed 6%
- Asia Emerging 2%
- Japan 2%
- Asia Developed 2%
- Australasia 1%
- Africa/Middle East 1%
This portfolio has a glaring case of home bias, with 86% allocated to North America. It's like traveling the world but only eating at McDonald's. Sure, it's familiar, but you're missing out on a lot of flavors. A more adventurous global allocation might not only spice things up but could also reduce risk.
Market capitalization
- Mega-cap 39%
- Large-cap 29%
- Mid-cap 15%
- Small-cap 8%
- Micro-cap 8%
The mix of mega, big, and a dash of small and micro-caps shows a confused identity. It's like dressing for a black-tie event but wearing sneakers – you're mostly there, but the details are off. Balancing market cap exposure can smooth out the ride without sacrificing the dress code.
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.
This portfolio's risk-return profile suggests it's walking a tightrope without a net. The Efficient Frontier is like the diet plan for your investments – it's supposed to optimize the calories (risk) you consume to achieve your weight loss (return) goals. Right now, it seems this portfolio skipped the diet plan and went straight for dessert.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.70%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.52%
The dividend yield here is trying to be the portfolio's saving grace, whispering sweet nothings of passive income. But let's be real, at an average yield of 1.52%, it's more of a pat on the back than a robust income stream. It's like expecting a trickle from a garden hose to fill a swimming pool – optimistic, but impractical.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.07%
At least the costs are under control, with a total TER of 0.07%. It's like finding a designer suit at a thrift store – a rare instance of not paying through the nose for something good. This is one of the few areas where the portfolio doesn't need a makeover.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey