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A Vanguard love affair with a side of geographic confusion and risk mismanagement

Report created on Aug 1, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio screams "I trust Vanguard with my life" with a side of "What's diversification again?" While it's cute that 100% of your stock allocation is cozied up with Vanguard, it's like only eating at your favorite restaurant. Sure, the food is good, but aren't you missing out on other flavors? With 60% in international stocks, 30% in growth, and a mere 10% in total stock market, it feels like you threw darts at a Vanguard brochure and called it a day. The imbalance is like preferring one leg of your pants to be significantly longer than the other — quirky but impractical.

Growth Info

Historically, you've seen a CAGR of 11.26%, which isn't half bad, but let's not throw a parade just yet. With a max drawdown of -32.98%, it's like enjoying a roller coaster that briefly turns into a freefall. Those 26 days making up 90% of your returns? That's less investing strategy and more playing financial lottery. Sure, you've won a few rounds, but it's a risky way to plan for retirement or any long-term goals.

Projection Info

Monte Carlo simulations are like fortune cookies at the stock market's dinner table — intriguing but take it with a grain of salt. Your portfolio's future looks like a wild ride, with projections ranging from "I can retire early" to "I'll be working forever." A 442.2% median growth sounds dreamy, but remember, simulations assume the market plays nice, and it often doesn't. It's like planning an outdoor wedding without a tent for rain — optimistic, but potentially soaked.

Asset classes Info

  • Stocks
    98%
  • Cash
    2%

Having 98% in stocks and a token 2% in cash is like wearing a swimsuit to a snowstorm — underprepared for adverse conditions. Diversification across asset classes is not just a fancy term; it's your financial safety net. This setup suggests a misunderstanding of the term "balanced," leaning more towards "let's see how this goes." It's time to introduce bonds or real estate to the mix, like adding vegetables to a diet of exclusively steak and ice cream.

Sectors Info

  • Technology
    26%
  • Financials
    17%
  • Industrials
    12%
  • Consumer Discretionary
    12%
  • Telecommunications
    8%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Energy
    3%
  • Real Estate
    3%
  • Utilities
    2%

With 26% in technology and significant chunks in financial services and industrials, your portfolio has a heavy tilt towards sectors that can swing from exhilarating highs to stomach-churning lows. It's like betting on the fastest horse without considering it might trip. Diversifying across more sectors, or at least balancing the ones you're in, could save you from watching your investments do the same dance as tech stocks in a market downturn.

Regions Info

  • North America
    45%
  • Europe Developed
    24%
  • Asia Emerging
    10%
  • Japan
    9%
  • Asia Developed
    6%
  • Australasia
    3%
  • Africa/Middle East
    2%
  • Latin America
    1%

Your geographic allocation has a "throw spaghetti at the map and see what sticks" vibe. With 45% in North America and a scattershot approach globally, it's clear there's an attempt at diversification. However, the heavy weighting towards developed markets, with emerging markets as an afterthought, is like planning a world tour and only visiting tourist traps. Broadening your horizon might not just bring cultural enrichment but also financial.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    28%
  • Mid-cap
    15%
  • Small-cap
    3%

Your love for the big guys is evident, with 50% in mega-caps. It's like only watching blockbuster movies and missing out on indie films; sure, you'll see some hits, but also a lot of the same plotlines. This strategy might seem safe, but it limits growth potential and exposes you to the volatility of the few. A little more love for medium or even small caps could add some much-needed spice to your investment story.

Redundant positions Info

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

The high correlation between your Vanguard Growth and Total Stock Market ETFs is like buying two different brands of vanilla ice cream and expecting a flavor explosion. It's not just redundant; it's a missed opportunity for true diversification. Spreading your investment across less correlated assets is like adding toppings and different flavors to your ice cream bowl — suddenly, it's a lot more interesting and potentially rewarding.

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 approach to risk and return is like trying to balance on a seesaw by yourself. It's possible, but it'd be easier with a friend on the other end. The lack of diversification and high correlation among assets means you're often teetering instead of enjoying a smooth ride. It's time to invite some new friends to the playground — maybe some bonds or alternative investments — to balance things out.

Dividends Info

  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.98%

Your dividend yield strategy is like finding loose change under the couch cushions; it's nice, but you won't fund a vacation with it. A 1.98% yield is decent for a growth-focused portfolio, but if you're relying on this for income, you might be disappointed. Considering a mix that includes higher dividend yields could add a steady income stream, like having a side gig that pays for your hobbies.

Ongoing product costs Info

  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

The one place you're not being adventurous is costs, and frankly, that's commendable. With a Total Expense Ratio (TER) of 0.04%, you're skimping where it counts, like using coupons at the grocery store so you can splurge at the steakhouse. It's a smart move in an otherwise bold strategy, proving even daredevils can appreciate a bargain.

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