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A so called balanced portfolio that is actually an 80 20 all equity roller coaster in disguise

Report created on Jan 8, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This setup is basically a world stock fund with a side of US large caps pretending to be nuanced. Eighty percent in one global stock ETF and the remaining twenty in a vanilla S&P 500 clone is less “carefully constructed portfolio” and more “two-index starter pack.” For something labeled “balanced,” the lack of bonds or defensive assets is kind of hilarious; this is a growth portfolio wearing a fake balanced mustache. In simple terms, if stocks are happy, you’re a genius; if they’re not, you’re fully exposed. Adding a proper slice of stabilizers like bonds or other less-volatile assets would make the label “balanced” something more than marketing poetry.

Growth Info

Historically, an 11.69% CAGR (Compound Annual Growth Rate = your average yearly growth speed) is solid, no question. If $10,000 grew at that rate, you’d roughly quadruple in 15 years, which feels great until you remember the -34% max drawdown. That’s “log in one day and quietly close the browser” territory. Also, the fact that 90% of gains came from just 29 days is classic equity behavior: miss those few rocket days and returns drop a lot. Past data is like an old weather report: useful vibes, not a prediction. A simple sanity check is whether your nerves and timeline can handle losing a third on paper without doing something self-sabotaging.

Projection Info

The Monte Carlo simulation (a fancy coin-flip machine that runs thousands of “what if” futures) is screaming “probably fine… but maybe not.” A median outcome of 458.8% looks legendary on paper, but that 5th percentile at 74.6% is the “you took the ride and got almost nothing” scenario. The 14.22% annualized across simulations is flattering, but simulations love assumptions and smooth math, not real-world panic and bad timing. Think of this as a map drawn by an optimist: useful, but not gospel. If this risk level feels high, dialing down volatility with some stabilizing assets would make those worst-case paths less painful to live through.

Asset classes Info

  • Stocks
    98%
  • Cash
    2%

Asset classes here are basically: stocks, more stocks, and a token 2% cash that looks like forgotten pocket change. Ninety-eight percent in equities is what you’d expect from an aggressive growth setup, not something labeled “Profile_Balanced.” That description is doing some heavy PR work. When everything is equity, your fortunes rise and fall with the stock market mood swings, with very little buffer. In a deep crash, that 2% cash won’t save you; it’s barely coffee money. If the goal is smoother rides, adding real diversifiers like bonds or other low-volatility assets would make downturns feel more like bumps, not cliff dives.

Sectors Info

  • Financials
    21%
  • Technology
    19%
  • Industrials
    14%
  • Health Care
    8%
  • Consumer Discretionary
    8%
  • Telecommunications
    6%
  • Basic Materials
    6%
  • Consumer Staples
    6%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    3%
  • Consumer Discretionary
    2%

Sector spread is actually decent: financials, tech, and industrials dominate, with the rest sprinkled in like seasoning. Still, 21% in financials plus 19% in tech means you’re heavily tied to interest-rate drama and innovation hype cycles. When both sectors sulk at the same time, your portfolio isn’t shrugging it off; it’s sulking with them. Utilities, real estate, and defensives are there, but they’re the side characters, not the leads. This isn’t a disaster, but it’s not bulletproof either. For someone wanting steadier behavior, gently dialing up more defensive, boring sectors and dialing down the drama-heavy ones would help smooth the emotional roller coaster.

Regions Info

  • Europe Developed
    30%
  • North America
    27%
  • Asia Emerging
    13%
  • Japan
    12%
  • Asia Developed
    10%
  • Australasia
    4%
  • Africa/Middle East
    3%
  • Latin America
    2%
  • Europe Emerging
    1%

Geographically, this is surprisingly grown-up: Europe developed at 30%, North America at 27%, then Japan, Asia, and a modest slice of emerging markets. For a US-based setup, it’s almost suspiciously reasonable, like someone actually read a diversification chapter. That said, “broadly diversified” across equities is still just… a global stock bet. When global markets tank together, owning Europe, Japan, and emerging markets doesn’t feel diverse; it just feels universally down. The upside is you’re not betting the farm on the US only. If anything, the next step is deciding whether this global tilt matches the actual life goals and whether the volatility that comes with emerging markets is something worth keeping.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    31%
  • Mid-cap
    17%
  • Small-cap
    3%

Market cap mix is basically “index-standard”: 46% mega, 31% big, 17% medium, and a tiny 3% in small caps. So you’re mostly riding the giants—Apple-and-friends-ville—with a bit of mid-cap spice and almost no true small-cap chaos. That’s fine, but it also means you’re heavily tied to whatever the megacaps are doing. When the big names stumble, you don’t escape; you follow. There’s no wild tilt to roast here, just a fairly plain vanilla cap-weighted profile. If the goal is either more growth punch or more stability, a deliberate tilt (either more small caps or less) could at least match the risk-taking to actual intention instead of autopilot.

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.

From a risk–return efficiency angle, this portfolio is leaving a bit on the table. The optimizer basically says: “With the same risk, you could be aiming for around 16.01% expected return instead of your current lower one.” Efficiency here just means: for each unit of risk, are you squeezing out enough expected return—not that you get magic returns without risk. Right now, it’s okay but not sharp. The “optimal” portfolio at the same return with 18.07% risk shows how trade-offs work. A small tweak in mix or structure could improve the payoff-per-unit-of-stress, instead of just accepting a decent-but-not-great risk–reward deal.

Dividends Info

  • Vanguard Total International Stock Index Fund ETF Shares 3.10%
  • Weighted yield (per year) 2.48%

A 2.48% total yield, with your big international piece around 3.10%, is a nice little income drizzle, not a fountain. This is clearly a growth-leaning setup that just happens to throw off some cash, not a deliberate income machine. Relying on this to fund living expenses would be optimistic at best; you’d still be mostly depending on selling shares, which gets psychologically messy during crashes. Dividends feel comforting, but prices can still drop hard while you collect that 2–3%. If income stability is a real goal, nudging the design toward higher, more consistent yield and lower volatility would be more logical than hoping this growth engine quietly doubles as a paycheck.

Ongoing product costs Info

  • STATE STREET EQUITY 500 INDEX FUND CLASS K 0.02%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

On costs, this thing is almost suspiciously efficient: 0.04% total TER is “did I really get away with this?” cheap. The S&P piece at 0.02% and the international ETF at 0.05% mean you’re not lighting money on fire via fees. You actually did click the right kind of funds here. But low cost doesn’t magically fix a lopsided risk profile; it just means you’re riding a very cheap roller coaster. Think of fees as the ticket price, not the ride itself. Keeping costs this low is worth preserving, but the bigger question is whether the underlying ride matches the stomach and the timeline involved.

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