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A supposedly balanced portfolio that is actually an all equity thrill ride in an index fund suit

Report created on Dec 13, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This “balanced” portfolio is 98% stocks and proudly calls itself Profile_Balanced like it’s not basically an equity rocket. Structure-wise it’s hilariously simple: 70% global ex US, 30% total US, two ETFs, no frills, no brakes. Against a usual “balanced” benchmark of maybe 40–60% bonds, this thing is a growth junkie in a sensible cardigan. The simplicity is actually strong, but the mismatch between label and reality is big. Investors like you might benefit from deciding if the name or the risk is supposed to win, and then adding a real stabilizer (bonds or cash-like stuff) if “balanced” is meant to describe the ride and not just the brochure.

Growth Info

Historically this thing has worked, which makes it extra dangerous to fall in love with it. A CAGR of 11.13% means a hypothetical 10k became around 28k over 10 years-ish, roughly in line with global equity markets. Nice. But a max drawdown of -34.49% means watching 100k turn into 65k and pretending to sleep at night. The “26 days make up 90% of returns” stat is classic: miss a few big days, the story gets ugly. Past data is like yesterday’s weather: useful vibe check, zero guarantees. Investors like you might benefit from stress-testing emotions for another 30–40% drop before calling this “comfortable.”

Projection Info

The Monte Carlo output is basically saying: “Most futures look good, but don’t get cocky.” Monte Carlo is just a nerdy dice roll: it simulates thousands of return paths using past volatility and correlations to guess possible outcomes. Your spread from 52% (5th percentile) to 518.9% (67th percentile) growth screams “huge range, deal with it.” An average simulated return of 12.99% is flattering but still built on assumptions that markets behave roughly like they did before. Spoiler: they don’t have to. Investors like you might benefit from planning with the miserable 5th percentile in mind and treating the 67th like a lottery win, not a plan.

Asset classes Info

  • Stocks
    98%
  • Cash
    2%

Asset class “diversification” here is basically stocks wearing different flags, with 98% in equities and 2% in cash that’s probably just waiting for a purpose. For a portfolio branded as “balanced,” this looks more like “stocks now, problems later.” In normal human language: when stocks sneeze, everything in here catches the flu. No bonds, no real alternatives, nothing that historically zigs when stocks zag. Asset classes are like food groups; this is pure protein and caffeine. Investors like you might benefit from deliberately deciding if this is a long-term equity engine on purpose, or if adding some bonds or defensive stuff would keep future you from panic-selling in the next crash.

Sectors Info

  • Technology
    21%
  • Financials
    20%
  • Industrials
    14%
  • Consumer Discretionary
    10%
  • Health Care
    8%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Basic Materials
    5%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    3%

Sector-wise, this is basically “own the world” with a tech and financials obsession. Tech at 21% and financial services at 20% is a double bet on stuff that can be euphoric in booms and brutal in stress. Industrials, cyclicals, and materials add more “economy goes brrr” exposure, while defensives (healthcare, utilities, consumer defensive) are just background noise. Compared to a broad global index, the tilt is pretty normal—but that still means when growth and credit get hit, most of this portfolio goes down together. Sector “diversification” doesn’t save you from bear markets; it just decides how loudly each piece screams. Investors like you might benefit from checking if that sector volatility lines up with real-life cash needs.

Regions Info

  • North America
    36%
  • Europe Developed
    26%
  • Asia Emerging
    11%
  • Japan
    11%
  • Asia Developed
    9%
  • Australasia
    3%
  • Africa/Middle East
    3%
  • Latin America
    1%
  • Europe Emerging
    1%

Geographically, this is shockingly sensible for a portfolio that otherwise lies about being balanced. Around 36% North America, 26% developed Europe, and a healthy mix of Japan, developed Asia, and emerging markets—this is pretty close to a global market-cap snapshot. “America or bust” is not the vibe here; it’s more “world index enjoyer.” The risk: global stocks tend to tank together in real crises, just at different speeds and accents. So yes, the global spread helps long-term growth and avoids home bias, but no, it won’t magically protect against a total equity slump. Investors like you might benefit from keeping this global frame, but pairing it with something that doesn’t freak out every time equities do.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    30%
  • Mid-cap
    17%
  • Small-cap
    4%
  • Micro-cap
    1%

Market-cap exposure is basically textbook: 44% mega, 30% big, then a smooth fade into mid, small, and a tiny dash of micro. No insane small-cap gamble, no “only megacap heroes” obsession—just standard index behavior. That’s good, but don’t confuse it with reduced risk; it just spreads your drama across company sizes. Mega caps can still fall 40–50% in a bear market; they just do it on CNBC. Small and micro at 5% total add spice, not the main course. Investors like you might benefit from accepting that this is a broad market roller coaster, not a quirky tilt, and adjusting overall risk with other assets rather than fiddling with market-cap weights.

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.

On a risk-return map (often called the Efficient Frontier), this thing is almost pure “max equity, deal with the swings.” Efficiency here means: for the risk you’re taking, are you squeezing out a fair return? Historically, yes. Emotionally, maybe not. A 34% drawdown and heavy equity exposure suggest the return engine is strong but the seatbelt is optional. The optimization problem isn’t the math; it’s the label. Calling this “balanced” is like calling a sports bike a commuter scooter. Investors like you might benefit from deciding what level of volatility is truly livable and then nudging the mix toward a point where your nerves and the numbers are on the same page.

Dividends Info

  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 2.22%

A total yield of 2.22% is fine but nothing to write poetry about. The international slice paying more (2.70%) and the US at 1.10% is exactly what you’d expect: the rest of the world still believes in dividends, the US believes in “trust me, growth later.” Dividends can be nice as a small buffer and psychological comfort, but they don’t turn an equity-heavy setup into an income portfolio. In a downturn, both prices and sometimes payouts can drop. Investors like you might benefit from treating dividends as a side snack, not the main dish—if income matters, that needs explicit planning, not hoping the yield quietly solves retirement cash flow.

Ongoing product costs Info

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

Costs are suspiciously good, like you accidentally did everything right here. A total TER of 0.04% is “index fund monk” level discipline. That’s cheaper than most people’s checking account mistakes. Fees are the slow, boring villain of investing, and you’ve essentially starved it. But low cost doesn’t mean low risk; it just means you’re taking all that risk at wholesale prices. Investors like you might benefit from keeping this ruthless fee discipline while putting the same energy into matching the asset mix with actual life goals, so you don’t end up proudly saving 0.2% in fees while losing 40% in a crash you weren’t mentally prepared for.

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