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A growth-hungry portfolio with a dividend twist that's teetering on the edge of imbalance

Report created on Jul 19, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio looks like someone tried to bake a cake with all their favorite ingredients without checking if they actually go well together. With half of your assets in a U.S. Large-Cap Growth ETF, you're like a kid in a candy store who only reaches for the chocolate bars, ignoring the rest of the treats. The attempt at diversification by throwing in international dividends, some value, and a sprinkle of small-caps feels like an afterthought. It's like diversification was a checkbox, not a strategy.

Growth Info

Historically, you've been riding the high waves with a CAGR of 16.00%, which might have you feeling like the king of the world. But remember, even the Titanic had a good run before it didn't. With a max drawdown of -24.86% and your returns heavily reliant on a few good days, your portfolio's performance is as stable as a one-legged stool in a bar fight.

Projection Info

The Monte Carlo simulation, with its fancy 1,000 different scenarios, tells you there's a chance you could end up anywhere from Scrooge McDuck to eating ramen in retirement. While the median and 67th percentile outcomes look like you're set for a good time, that 5th percentile is a harsh reminder that the market doesn't care about your feelings. Betting big on growth without a safety net is like playing financial chicken.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

With 99% in stocks and a lonely 1% in cash, your asset class allocation screams "all in" louder than a poker player with a good hand on TV. This high-octane approach to investing is great for thrill-seekers but doesn't leave much room for error or market downturns. It's like trying to drive across the country on one tank of gas.

Sectors Info

  • Technology
    30%
  • Financials
    18%
  • Consumer Discretionary
    11%
  • Telecommunications
    9%
  • Health Care
    8%
  • Industrials
    8%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

Your sector allocation is heavily skewed towards technology and financial services, making your portfolio look like it's trying to relive the dot-com bubble. With over 30% in tech alone, you're one bad tweet away from a portfolio meltdown. Diversification across sectors isn't just a nice-to-have; it's like having multiple escape routes from a burning building.

Regions Info

  • North America
    72%
  • Europe Developed
    14%
  • Japan
    4%
  • Asia Emerging
    3%
  • Asia Developed
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic allocation is heavily North American-centric, with a timid nod to international markets. Ignoring emerging markets and giving only a slight nod to developed markets outside the U.S. is like planning a world tour and only visiting Canada. Expanding your horizons could reduce risk and potentially uncover untapped growth.

Market capitalization Info

  • Mega-cap
    52%
  • Large-cap
    28%
  • Mid-cap
    13%
  • Small-cap
    4%
  • Micro-cap
    2%

Your market cap allocation shows a heavy lean towards megacaps and big caps, making your portfolio look like it's afraid of commitment when it comes to smaller companies. While there's comfort in the familiar, neglecting medium, small, and micro caps is like always ordering the same dish at a restaurant; you might be missing out on something great.

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 risk-return optimization seems to be playing by the mantra "go big or go home." While it's nice to dream about outsized returns, the lack of balance and overexposure to specific sectors and asset classes might leave you vulnerable. It's like trying to optimize your diet by only eating superfoods—you might hit some goals, but you'll miss out on essential nutrients.

Dividends Info

  • Capital Group Dividend Value ETF 1.10%
  • Schwab U.S. Small-Cap ETF 1.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 4.20%
  • Weighted yield (per year) 1.70%

The dividend yield strategy here seems to be a mix of hope and confusion. With a total yield of 1.70%, it's like you're trying to have your cake and eat it too—growth and income. But the heavy reliance on the Vanguard International High Dividend Yield Index for those dividends is like betting all your income hopes on one horse in a race.

Ongoing product costs Info

  • Capital Group Dividend Value ETF 0.33%
  • Schwab U.S. Small-Cap ETF 0.04%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Weighted costs total (per year) 0.14%

With a Total Expense Ratio (TER) of 0.14%, at least you're not bleeding money on fees. It's one of the few places where you've shown restraint, like a dieter who splurges on cake but sticks to diet soda. Low costs are commendable, but they're just one piece of the puzzle.

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