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The "All Eggs in One Basket" Approach to Global and Dividend Investing

Report created on Jun 3, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Kicking off with the composition, we've got a portfolio that seems to think diversification is just a fancy word for "more of the same." With half the portfolio in a global stock ETF and the other half split between a total US market and a US dividend-focused ETF, it's like betting on both the horse and the jockey in the same race. This setup screams, "I want to travel the world but only if it looks exactly like my backyard."

Growth Info

Historically, this portfolio has performed like a decently tuned sedan - not exactly racecar material but not a clunker either. A CAGR of 11.63% is respectable until you realize that a significant chunk of your exhilaration comes from just a handful of days. It's like winning the lottery but only because you bought all the tickets in town. The -34.08% max drawdown is a reminder that sometimes the engine does sputter.

Projection Info

Monte Carlo simulations here are like predicting weather with a magic 8-ball. Sure, it looks scientific, but the range of outcomes from "might barely move" to "to the moon" suggests your financial future with this portfolio could be as stable as a soap opera. With a 12.50% average return from the simulations, it's tempting to dream big, but remember, these are just educated guesses with a fancy name.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

In the asset class mix, stocks are the unrivaled monarch, making up 99% of the portfolio. This is like going to a buffet and only loading up on carbs. Sure, it's delicious, but where's the nutritional balance? That token 1% in cash is like keeping a single water bottle in the pantry just in case of apocalypse.

Sectors Info

  • Technology
    22%
  • Financials
    15%
  • Health Care
    11%
  • Industrials
    11%
  • Consumer Discretionary
    10%
  • Consumer Staples
    9%
  • Energy
    8%
  • Telecommunications
    7%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

Sector allocation is where we see a bit of variety, but calling it "diversified" is a stretch. With a heavy tilt towards technology and financial services, it's like having a diet consisting mostly of steak and ice cream. Sure, it's fun until your health checkup. The underrepresentation of sectors like real estate and utilities is like ignoring vegetables because they're not as exciting.

Regions Info

  • North America
    82%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, this portfolio has a massive crush on North America, with a whopping 82% allocation. It's like saying you love traveling but only ever visiting your neighbor's house. The minimal exposure to emerging markets and developed regions outside the US is a missed opportunity for true global flavor and diversification.

Market capitalization Info

  • Large-cap
    36%
  • Mega-cap
    33%
  • Mid-cap
    23%
  • Small-cap
    6%
  • Micro-cap
    1%

The market cap allocation seems to have a reasonable mix but leans heavily towards the big and mega-caps, which is like always hanging out with the popular kids and ignoring everyone else. Sure, it might feel safe, but you're missing out on the growth potential and adventures that come with smaller, scrappier companies.

Redundant positions Info

  • Vanguard Total World Stock Index Fund ETF Shares
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The correlation between the Vanguard Total World and the Vanguard Total Stock Market ETFs is like having twins in the same class and hoping they bring diverse perspectives to family dinner discussions. Spoiler: They won't. This redundancy doesn't add value; it's just echoing the same voice in a slightly different pitch.

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.

When it comes to risk vs. return, this portfolio dances on the edge of a knife, thinking it's wearing ballet shoes. The lack of true diversification and the high correlation between major holdings means you're not optimizing anything except perhaps your future stress levels. The Efficient Frontier is waving at you from afar, suggesting you might want to get acquainted with the concept of balance.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 4.00%
  • Vanguard Total World Stock Index Fund ETF Shares 1.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.30%
  • Weighted yield (per year) 2.22%

On dividends, the portfolio looks like it's trying to have its cake and eat it too, with an average yield that's not too shabby. But leaning on just one ETF for the heavier lifting on dividends is like expecting one leg of a table to do all the work. Balance, my friend, is key.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.06%

Costs are surprisingly a breath of fresh air. With an average TER of 0.06%, it's like finding a luxury car with the fuel efficiency of a compact. Low fees are always a win, so at least here, you've accidentally stumbled upon a silver lining in an otherwise cloudy strategy.

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