A portfolio that's like a buffet with only carbs: Filling but lacking nutritional balance
Report created on May 1, 2025Risk profile
5/7
Diversification profile
4/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
VE Vanguard FTSE Developed Markets Index Fund ETF Shares
VEA - US9219438580 20.00% -
PB Invesco Global Clean Energy ETF
PBD - US46138G8472 10.00% -
VW Vanguard FTSE Emerging Markets Index Fund ETF Shares
VWO - US9220428588 10.00%
Diving into this portfolio is like walking into a party and finding it's only serving variations of bread. Sure, you've got your whole grain (Vanguard Total Stock Market), your slightly exotic flatbread (Vanguard FTSE Developed Markets), a sprinkle of health-conscious quinoa (Invesco Global Clean Energy), and a side of emerging market spice (Vanguard FTSE Emerging Markets). But where's the protein? Where's the diversity that keeps the dietary advice from yelling at you? It's like you've decided to go broad but forgot about the depth. Broadly diversified, yes, but let's not confuse quantity with quality.
Growth
If we look at this portfolio's CAGR of 9.82%, it's like saying you've been running at a decent pace, but then you realize you're on a treadmill — lots of effort, but are you really going anywhere spectacular? With a Max Drawdown of -34.97%, it seems like you hit a patch of ice once and went sliding. And relying on 20 days for 90% of your returns? That's like banking on finding a parking spot right in front of the store on Black Friday. Good luck with that.
Projection
Monte Carlo simulations are like video game simulations of your financial future, and with a 50th percentile projection of 101.9%, it seems you might just beat the game. But that 5th percentile showing a -41.7% scenario? That's like the game glitching when you're about to score the winning point. It's a reminder that while simulations can give a range of outcomes, they're not prophecies. They're educated guesses that assume past performance can predict future results, which, as we all know, is like trusting the weather forecast to be spot-on.
Asset classes
- Stocks 99%
- Cash 1%
With 99% in stocks and a lonely 1% hanging out in cash, your asset class spread is like showing up to a potluck with just a bag of chips. Sure, chips are great, but what about the rest of the meal? This over-reliance on stocks is like trying to run a marathon on a diet of pure sugar. It might work for a sprint, but what about the long haul? A little bond action or perhaps some real estate could add some much-needed fiber to your financial diet.
Sectors
- Technology 24%
- Financials 16%
- Industrials 14%
- Consumer Discretionary 11%
- Health Care 9%
- Telecommunications 7%
- Consumer Staples 5%
- Utilities 4%
- Basic Materials 4%
- Energy 4%
- Real Estate 3%
Your sector spread is like betting on a horse race by picking the ones with the prettiest tails. Technology at 24%? Financial Services at 16%? It's clear you're chasing the high-flyers, but remember, even high-flyers can nosedive. Diversification across sectors means not just picking the ones that look good in today's market but having a mix that can weather tomorrow's storms too.
Regions
- North America 65%
- Europe Developed 14%
- Asia Emerging 7%
- Asia Developed 5%
- Japan 5%
- Africa/Middle East 1%
- Australasia 1%
- Latin America 1%
With 65% in North America, your geographic allocation has the adventurous spirit of a weekend trip to the suburbs. Sure, you've dipped your toes in international waters with Europe and emerging markets, but it's like ordering international dishes at a fast-food joint — technically global, but hardly the full experience. Broadening your geographic exposure could be like adding a few stamps to your passport: a little risky, but ultimately enriching.
Market capitalization
- Mega-cap 38%
- Large-cap 29%
- Mid-cap 20%
- Small-cap 8%
- Micro-cap 3%
Your market cap allocation is like a high school clique: the megacaps and big caps are the popular kids, taking up 67% of your attention. Medium caps are the middle children, somewhat noticed at 20%, while small and micro caps are the forgotten younger siblings at 11%. Remember, sometimes the underdogs have the most to prove, and diversifying across market caps could give your portfolio the balance it's currently dodging.
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 the Efficient Frontier, your portfolio is like someone who insists on using a map instead of GPS. Sure, you might get where you're going, but it's hardly the most efficient route. Striving for the best risk-return mix is about more than just throwing darts at a board of stocks; it's about strategic planning and adjustments. Your current mix suggests a need for recalibration, like updating that map with the latest roads and conditions.
Dividends
- Invesco Global Clean Energy ETF 2.70%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 3.00%
- Vanguard Total Stock Market Index Fund ETF Shares 1.40%
- Vanguard FTSE Emerging Markets Index Fund ETF Shares 3.10%
- Weighted yield (per year) 2.02%
Your total dividend yield of 2.02% is like finding loose change under the sofa cushions; it's nice, but you're not funding a vacation with it. While dividends can add a steady beat to your portfolio's song, relying solely on them for income or growth is like expecting that sofa change to pay the bills. Diversifying income streams could ensure that your financial music keeps playing, even if one instrument falls silent.
Ongoing product costs
- Invesco Global Clean Energy ETF 0.75%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
- Weighted costs total (per year) 0.11%
Total TER at 0.11% is commendably low, like finding a sale at your favorite store. But then there's the Invesco Global Clean Energy ETF at 0.75%, sticking out like a sore thumb with its high cost. It's like buying an expensive organic apple in a sea of bargain produce — sure, it's healthier, but you need to make sure it's worth the premium.
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