A portfolio that loves the home court but fears the world beyond
Report created on Aug 21, 2025Risk profile
5/7
Diversification profile
4/5
Positions
-
VT Vanguard Total Stock Market Index Fund Admiral Shares
VTSAX - US9229087286 70.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 10.00%
This portfolio screams "if it's not broken, don't fix it" with a hefty 70% in a total stock market fund, 20% in international stocks, and a sprinkle of momentum for flavor. It's like having a diet of only steak, potatoes, and a dash of hot sauce for every meal. Sure, it's filling, and you won't starve, but where's the variety? Where's the excitement? This is the investment equivalent of wearing socks with sandals — practical, yes, but it'll raise some eyebrows.
Growth
With a historical CAGR of 16.36%, this portfolio has been sprinting like Usain Bolt in a marathon. But remember, past performance is like relying on yesterday's weather forecast to plan a picnic — it's not a guarantee of future sunshine. The max drawdown of -34.29% is a stark reminder that even the fastest runners can trip. It's like enjoying the roller coaster ride until you realize your seatbelt looks a bit worn out.
Projection
Monte Carlo simulations predict a garden of roses with a few thorns. A median 731.2% growth sounds like you've hit the jackpot, but remember, Monte Carlo is more about odds than guarantees. It's like betting on rain in London; likely, but not certain. This projection is a good dream, but don't forget to set an alarm for reality checks.
Asset classes
- Stocks 99%
- Cash 1%
99% in stocks? That's like diving into the deep end with both feet tied together. Sure, you're swimming, but you're also flirting with danger. A mere 1% in cash is like keeping a single band-aid on hand for a sword fight. Diversification across asset classes is not just a fancy term; it's your financial life jacket. Time to inflate it.
Sectors
- Technology 27%
- Financials 16%
- Industrials 11%
- Telecommunications 9%
- Health Care 9%
- Consumer Discretionary 8%
- Consumer Staples 6%
- Consumer Discretionary 4%
- Energy 3%
- Basic Materials 3%
- Utilities 3%
- Real Estate 3%
Technology at 27%? Found the Silicon Valley fan club president. While tech can be the golden goose, it can also lay some pretty rotten eggs. Remember, even titans can tumble. Diversifying beyond the tech glitterati can save you from turning your golden years into a quest for the lost city of El Dorado.
Regions
- North America 81%
- Europe Developed 8%
- Asia Emerging 3%
- Japan 3%
- Asia Developed 2%
- Australasia 1%
- Africa/Middle East 1%
81% in North America? Looks like someone's afraid to leave their backyard. The world's a big place, and there's money to be made beyond the stars and stripes. This portfolio has the geographical diversity of a 1950s sitcom — comfortable, but not exactly worldly. Spreading your wings might just make your financial future soar.
Market capitalization
- Mega-cap 43%
- Large-cap 31%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 2%
Mega and big caps dominating at 74% combined? That's like only hanging out with the popular crowd. Sure, they're reliable, but there's a whole world of quirky, interesting smaller companies out there. Dipping into smaller caps could add some spice to your investment life, offering growth potential that big boys can't always match.
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 is on the Efficient Frontier like a toddler on a balance beam — technically on it, but wobbling dangerously. The risk-return trade-off seems more like a gamble than a strategy. It's time to consider if your financial goals are best served by this high-wire act or if a more grounded approach might be prudent.
Dividends
- Invesco S&P 500® Momentum ETF 0.60%
- Vanguard Total Stock Market Index Fund Admiral Shares 0.90%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.23%
A total yield of 1.23% is like finding loose change under the sofa cushions; nice, but you're not going to retire on it. While dividends aren't the whole story, they're like the plot twists that keep things interesting. Ignoring them could turn your epic financial saga into a short story.
Ongoing product costs
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
At least you're not pouring money down the drain with fees. With a Total TER of 0.05%, you're tighter than a duck's behind, and that's watertight. It's refreshing to see someone keeping their eye on the ball, ensuring fees don't eat away at those hard-earned returns.
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