Roast mode 🔥

Almost annoyingly sensible but still leaving free returns and risk management lying on the table

Report created on Mar 27, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

Structurally this thing is the IKEA starter kit of smart-ish portfolios: two big total-market planks, then three factor-flavored add-ons bolted on top. It’s roughly half “own everything” and half “own the nerdy slices of everything,” which is either thoughtful or just ETF FOMO. The tilt to small-cap value and quality is clear, but you basically glued factor funds onto already broad core holdings without much nuance on sizing. It works, but it’s not elegant. The takeaway: you’re roughly in the right galaxy, but the weights are lazy enough that you’re leaving cleaner construction and more efficient risk spread on the shelf.

Growth Info

CAGR first: 13.11% versus 14.38% for the US market and 11.92% for global. Translation: you slightly lagged the home-market rocket but nicely beat the global mush. $1,000 turning into $2,058 is solid, but the US broad market would’ve done better with less tilting effort. Max drawdown at -37.15% also bit harder than either benchmark, so you took a bigger punch yet didn’t get a better trophy than the US index. CAGR (compound annual growth rate) is your average speed over the trip; drawdown is how bad the car crash felt. Past data is yesterday’s weather: useful, but it doesn’t owe you a repeat.

Asset classes Info

  • Stocks
    100%

You went 100% stocks with the confidence of someone who’s never met a brutal bear market personally. No bonds, no cash proxy, no diversifiers — just pure equity rollercoaster. For a “growth” profile, that’s not insane, but it is absolutely a “hope you like -30% stretches” setup. Asset classes are basically different animals in the zoo: when all you own are lions, the show is exciting until feeding time goes wrong. The good part: you’re not watering down long-term growth. The flip side: there’s zero built-in shock absorber here, so any stability has to come from your nerves, not your allocation.

Sectors Info

  • Technology
    20%
  • Financials
    17%
  • Industrials
    16%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Basic Materials
    6%
  • Consumer Staples
    6%
  • Telecommunications
    5%
  • Energy
    4%
  • Real Estate
    3%
  • Utilities
    3%

Sector-wise, this is almost suspiciously reasonable: tech at 20% but not a full-blown addiction, financials and industrials chunky, and nothing hilariously over or underweight. You’ve avoided the classic “all in glamor sectors” trap and ended up with something that looks a lot like a broad market spread with mild flavoring. That means your fate is tied to the economic cycle, not some narrow bet. The catch: “reasonable” is also kind of boring — you’re not expressing any strong view, factor tilts aside. The message: this is baseline grown-up sector exposure, which is good, but don’t pretend it’s some high-conviction sector genius. It’s basically default with extra steps.

Regions Info

  • North America
    63%
  • Europe Developed
    15%
  • Japan
    8%
  • Asia Developed
    5%
  • Asia Emerging
    4%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, it’s very “USA is home base, the rest of world can tag along.” Around 63% in North America with the rest sprinkled fairly sensibly: Europe, Japan, developed Asia, a little emerging and other regions thrown in. Surprisingly sane for a US-led portfolio that could easily have been 80–90% domestic chest-thumping. Still, the home bias is real; when your home market stumbles, you’re going to feel it hard, because the ballast from elsewhere is moderate, not huge. The upside: at least you didn’t completely ignore the rest of the planet. The downside: it’s still America-dominant with diversification more like seasoning than a true second pillar.

Market capitalization Info

  • Mega-cap
    27%
  • Mid-cap
    25%
  • Large-cap
    23%
  • Small-cap
    18%
  • Micro-cap
    6%

Your market cap split is actually interesting: 27% mega, 23% large, 25% mid, 18% small, 6% micro. That’s a decent tilt away from a pure “all bow to megacaps” structure, with small and micro getting real airtime. You’re clearly flirting with the idea that smaller companies can juice returns over time — and they can — but they also bring more drama, wider swings, and occasional faceplants. This isn’t absurdly extreme, but it’s spicier than a standard broad index. The takeaway: you’ve chosen a bumpier ride than you strictly needed, which is fine if you actually like volatility and not just the backtested story that came with it.

True holdings Info

  • Apple Inc
    2.01%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard U.S. Quality Factor
  • NVIDIA Corporation
    1.85%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    1.32%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.03%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Amazon.com Inc
    0.92%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    0.82%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    0.68%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.65%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    0.64%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    0.52%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 10.44%

The look-through list screams “closet megacap fan” despite your factor cosplay. Apple, NVIDIA, Microsoft, Amazon, Alphabet, Meta, Tesla — you’ve basically reassembled the greatest hits album by accident via broad ETFs. Overlap isn’t extreme in percentage terms, but it shows the usual issue: thinking you’re very diversified while the same giants lurk inside multiple wrappers. And remember, this only covers ETF top-10s, so actual overlap is higher under the hood. Hidden concentration like this means when big tech sneezes, several of your funds catch the cold at once. The lesson: multiple tickers do not equal independent bets; they’re often just different doors into the same house.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 25%
Size
Exposure to smaller companies
Very high
Data availability: 70%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Very high
Data availability: 15%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor profile: you are absolutely mainlining value, size, and quality. Value at 85%, size at 85%, quality at 85% basically says, “I read a whitepaper once and went all-in.” Momentum is middling, low volatility is modest, and yield is clearly not the star of the show. Factor exposure is like checking the ingredients list: you’re loading up on cheap, smaller, supposedly higher-quality companies and not really bothering to mask it. That mix can shine in certain regimes and lag brutally when growth or megacaps dominate. The slightly chaotic part: the blend leans distinctly “smart beta nerd,” but it’s not obvious the weights were tuned with much precision rather than just stacked enthusiastically.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 30.00%
    30.2%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 30.00%
    26.9%
  • Vanguard Small-Cap Value Index Fund ETF Shares
    Weight: 15.00%
    17.7%
  • Vanguard U.S. Quality Factor
    Weight: 15.00%
    16.2%
  • Avantis® International Small Cap Value ETF
    Weight: 10.00%
    9.0%

Risk contribution tells you which holdings actually shake the portfolio, not just which ones look big on a pie chart. Your top three funds are 75% of total risk, almost exactly matching their combined weight — so nothing is secretly blowing up your volatility from the shadows. Vanguard Total Stock and Total International are the main drivers, with small-cap value and quality adding a bit more turbulence per dollar. That’s reasonably controlled, but also kind of lazy: risk is basically just “core markets plus a bit more spice,” not cleverly redistributed. Trimming or reshuffling within your existing lineup could make risk work harder instead of just being along for the ride.

Redundant positions Info

  • Vanguard Small-Cap Value Index Fund ETF Shares
    Vanguard U.S. Quality Factor
    High correlation

Your highly correlated duo is Vanguard Small-Cap Value and Vanguard U.S. Quality Factor. Different marketing labels, very similar dance moves when markets move. Correlation is just how often things go up and down together — and these two are clearly best friends. That doesn’t mean they’re useless, but it does mean they’re not giving you as much diversification as the extra ticker symbols might suggest. In a downturn, both are likely heading south at roughly the same time, so there’s no real “one zigs while the other zags” benefit. The lesson: stacking correlated funds is like buying multiple umbrellas that all fail in the same storm.

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 the risk–return chart, your current portfolio is kind of that kid who studies but doesn’t sit in the front row. Return 13.24%, risk 19.76%, Sharpe 0.57 — decent, but the optimal mix of the same funds hits 15.24% return with slightly *less* risk and a Sharpe of 0.75. The same-risk optimized version even pushes expected return to 15.30% at basically identical volatility. The efficient frontier is the curve of “best bang for your risk buck” using only what you already own. You’re sitting below it, which is like running with ankle weights for no reason. Reweighting the existing funds could squeeze more return out of the same nerves.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.10%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1.90%
  • Vanguard U.S. Quality Factor 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 2.04%

A 2.04% yield is firmly in the “nice side snack, not a full meal” zone. You’ve got some higher-yielding international and small-cap value exposure, but overall this is a growth-leaning portfolio pretending casually that income is a bonus, not the mission. Dividend yield is just the cash payout as a percentage of price — useful, but not magical. Relying heavily on this for living expenses would be optimistic; it’s better seen as a drip-feed that slightly cushions volatility. On the plus side, you’re not stretching into junky high-yield land just to chase a bigger number. On the minus side, dividend lovers will find this pretty underwhelming.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard U.S. Quality Factor 0.13%
  • 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) 0.09%

Costs are where you accidentally look like you deeply know what you’re doing. A total TER of 0.09% is comically low for a portfolio with factor tilts and international small caps involved. That Avantis fund is the priciest at 0.36%, but it’s diluted by the ultra-cheap Vanguard core. TER (total expense ratio) is basically the annual “cover charge” for holding the fund, and you’ve kept it tiny. Fees are one of the few things you can control, and here you’re absolutely not the sucker at the table. Honestly, the only roast here is that the fee discipline is more sophisticated than some of the portfolio construction choices.

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