A one-trick pony galloping through the stock market with blinders on
Report created on Nov 14, 2025Risk profile
5/7
Diversification profile
2/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 100.00%
At first glance, this portfolio screams, "I heard index funds were cool, so I put all my eggs in one basket and hoped for the best." With 100% of your investment riding on the Vanguard Total Stock Market Index Fund ETF Shares, you've taken the concept of simplicity to an extreme. Sure, it's diversified across sectors, but it's the equivalent of ordering a combo meal and calling it a balanced diet. There's a world beyond this, and it's filled with bonds, international stocks, and alternative investments that could reduce your risk and potentially enhance your returns.
Growth
Historically, you've been riding high with a CAGR of 14.85%, which might make you feel like a Wall Street wizard. But remember, past performance is like relying on yesterday's weather forecast for today's picnic—helpful, but not foolproof. That -34.97% max drawdown is a stark reminder that the stock market can be a wild ride. Betting the farm on a single ETF means you're just one market downturn away from testing your stress levels.
Projection
Based on the Monte Carlo simulation, which is essentially a financial weather forecast using a lot of “what ifs,” your portfolio could swing from a modest gain to winning the lottery. With projections ranging wildly, it's clear that while you might hit the jackpot, you're also flirting with volatility. This kind of roller coaster might be thrilling for some, but without a safety harness in the form of diversification, you're banking heavily on luck.
Asset classes
- Stocks 99%
- Cash 1%
If asset classes were food groups, your portfolio would be surviving on a diet solely of carbs. Yes, stocks (especially in a broad index fund) are an essential part of a healthy investment diet, but where are the vegetables (bonds) and proteins (alternative investments)? This one-dimensional approach might leave you feeling full now, but it's not the most balanced way to nourish your financial future.
Sectors
- Technology 34%
- Financials 13%
- Consumer Discretionary 11%
- Telecommunications 10%
- Health Care 9%
- Industrials 9%
- Consumer Staples 5%
- Energy 3%
- Real Estate 2%
- Utilities 2%
- Basic Materials 2%
Your sector allocation is like having a favorite playlist but only listening to one song on repeat. Yes, technology at 34% has been the star of the show lately, but financial services, consumer cyclicals, and the rest are also part of the band. Relying too heavily on one sector, even indirectly through an index fund, can be risky. It’s like betting on one horse to win every race—it’s not always going to be a winner.
Regions
- North America 100%
With 100% of your investments in North America, it seems you've adopted a "home team" bias. While cheering for the home team is great at a baseball game, in investing, it's like refusing to acknowledge there are other games being played around the world. Diversifying globally could reduce your risk and might even introduce you to some international players hitting home runs.
Market capitalization
- Mega-cap 41%
- Large-cap 30%
- Mid-cap 19%
- Small-cap 6%
- Micro-cap 2%
Your market cap allocation shows a preference for the big players, with 71% in mega and big caps. While it's comforting to be in the company of giants, remember that small and micro caps often bring the spice to the portfolio. They offer growth potential that the big guys can't match, albeit with added risk. It's like preferring only blockbuster movies and missing out on indie films that could become classics.
Dividends
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Weighted yield (per year) 1.10%
With a dividend yield of 1.10%, your portfolio is on the lower end of the income-generating spectrum. It's like having a side hustle that pays in coffee coupons rather than cash. While reinvesting these dividends contributes to compounding, don't forget that portfolios can also be structured for higher income. Diversifying into assets with higher yield potentials could add another layer of growth to your investment strategy.
Ongoing product costs
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.03%
On the bright side, with total portfolio costs at a mere 0.03%, you're not letting fees eat away at your returns. It's like finding a streaming service that offers all your favorite shows for the price of a latte. In the world of investing, where high fees can nibble away at your nest egg, you've managed to keep the termites at bay.
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