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A textbook case of "diversified but not really" in an otherwise vanilla portfolio

Report created on Nov 5, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Starting off, this portfolio screams "I'm diversified!" with the same conviction a child claims they've cleaned their room by shoving everything under the bed. Half of it is parked in an S&P 500 ETF, making it as groundbreaking as sliced bread. Then, there's a hefty chunk in developed markets, with a sprinkle of small cap value from both the U.S. and international markets for that exotic flavor. It's like ordering a vanilla ice cream cone and then throwing on a couple of sprinkles to make it "unique."

Growth Info

The historic performance, with a CAGR of 15.02%, might have you feeling like the belle of the ball. But remember, that -35.91% max drawdown is the equivalent of finding out your princely returns had a pumpkin for a carriage all along. And those 18 days that made up 90% of your returns? That's less stable than relying on winning lottery tickets as a financial plan.

Projection Info

Monte Carlo simulations sound fancy, like predicting the future with a crystal ball, but really, it's just a bunch of computer-generated "what-ifs." Your portfolio's future projections have a wide spread, from "buying a yacht" to "still living with roommates." While 987 out of 1,000 simulations give positive returns, remember, even simulations get the blues and aren't promises.

Asset classes Info

  • Stocks
    99%

Your asset class distribution is like showing up to a potluck with just different brands of potato chips. Stocks, stocks, and more stocks. With 99% in equities and a daring 0% in bonds or alternatives, your portfolio volatility is ready to party harder than stocks on a bull run. Maybe consider bringing some dip (bonds or real estate) to balance out those chips.

Sectors Info

  • Technology
    22%
  • Financials
    18%
  • Industrials
    13%
  • Consumer Discretionary
    11%
  • Health Care
    8%
  • Telecommunications
    7%
  • Basic Materials
    5%
  • Energy
    5%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Real Estate
    2%

The sector allocation is like favoring superheroes from only one comic book publisher. You've got a heavy lean on technology and financial services, making your portfolio a fanboy of Silicon Valley and Wall Street. While industrials, consumer cyclicals, and healthcare add some diversity, it's more akin to adding side characters in hopes of a more balanced story.

Regions Info

  • North America
    64%
  • Europe Developed
    19%
  • Japan
    10%
  • Australasia
    3%
  • Asia Developed
    3%
  • Africa/Middle East
    1%

Geographically, this portfolio has a strong "America first" vibe, with a side of developed Europe and a dash of Japan, making it seem like you view the investment world map like a tourist who only sticks to the well-trodden paths. Emerging markets are virtually non-existent, missing out on the spicy flavors of global growth potential.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    27%
  • Mid-cap
    19%
  • Small-cap
    10%
  • Micro-cap
    5%

Market capitalization distribution is like believing only in giants and those aspiring to be giants, with a slight nod to the little guys. The heavy tilt towards mega and big caps suggests a trust in established entities, while the small and micro-cap allocations are like keeping a few underdog stories in your back pocket, just in case one turns into the next big hit.

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.

Your portfolio's attempt at risk vs. return optimization is like trying to balance on a seesaw by yourself. Sure, you've got some diversification and a decent historic return, but the heavy equity focus and lack of asset class variety is like wearing a raincoat in a hurricane — it helps, but you're still going to get wet. Broadening your asset classes and considering some downside protection strategies could make for a smoother ride.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.50%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • SPDR® Portfolio S&P 500 ETF 1.10%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.91%

Dividends here are the portfolio's attempt at a consolation prize, with a total yield that's more "participation trophy" than "championship ring." While it's nice to get a little back from your investments, relying on these dividends for significant income would be like expecting gourmet meals from a fast-food budget.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.09%

Kudos for the low costs! With a total expense ratio (TER) of just 0.09%, it's like finding a luxury car with the maintenance costs of a bicycle. In a world where fees can eat into returns like a termite, your portfolio is sitting pretty, proving that sometimes, you actually can get more for less.

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