Roast mode 🔥

A Schwab-heavy ETF portfolio that plays it safe but might be too cozy in its comfort zone

Report created on Jul 19, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Diving into this portfolio feels like walking into a Schwab convention with a side of global flair. With 45% in U.S. large-caps and another 20% in U.S. dividend equities, it's like betting half your paycheck on the home team because, well, it's the home team. The attempt at diversification by sprinkling in some international and emerging markets, plus a timid 5% in mid-caps, is commendable. However, it's akin to adding a dash of pepper to an otherwise bland dish—better, but hardly adventurous. The portfolio screams, "I like adventure, but only with a safety net and a clear exit plan."

Growth Info

Historically, this portfolio's CAGR of 11.75% isn't something to scoff at—assuming this number didn't just come from a lucky streak or the recent bull market wearing a jetpack. However, that -34.02% max drawdown is a horror story waiting to scare off any investor with a faint heart. It's like enjoying a roller coaster until you realize it's actually a freefall. The real kicker? Those 26 days making up 90% of returns. It's the investment equivalent of cramming for exams the night before and hoping for the best.

Projection Info

Monte Carlo simulations are the crystal balls of the investment world, offering a peek into countless potential futures. With numbers suggesting a 50th percentile return of 251%, it sounds like a dream. But remember, Monte Carlo also loves to whisper sweet nothings that might never come to pass, with its 1,000 simulations and a hefty slice of those showing positive returns. It's a reminder to not put all your eggs in the basket of projections, as they're as reliable as a weather forecast in a temperamental climate.

Asset classes Info

  • Stocks
    100%

Sticking to 100% stocks with no bonds, cash, or "other" to speak of is like driving with no seatbelts, airbags, or brakes. Sure, you might get to your destination faster, but it's going to be a bumpy ride with every market hiccup. Diversification across asset classes isn't just a nice-to-have; it's your financial portfolio's emergency kit. This one-track mind approach could use some rethinking unless you enjoy financial thrill rides.

Sectors Info

  • Technology
    23%
  • Financials
    16%
  • Industrials
    11%
  • Consumer Discretionary
    10%
  • Health Care
    10%
  • Consumer Staples
    8%
  • Telecommunications
    7%
  • Energy
    7%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

With a heavy lean towards technology and financial services, this portfolio is riding the wave of sectors that have dominated the last decade. But sectors cycle in and out of favor like fashion trends—what's hot today might be tomorrow's passé. The underrepresentation of utilities and real estate also hints at a missed opportunity for stability and income. It’s like going to a buffet and only filling up on the entrees while ignoring the sides.

Regions Info

  • North America
    72%
  • Europe Developed
    11%
  • Asia Emerging
    6%
  • Japan
    4%
  • Asia Developed
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

With 72% in North America, this portfolio is like that friend who's traveled the world but still thinks nowhere beats home. Sure, familiarity breeds comfort, but it also limits perspective. The modest allocations to developed Europe, Asia, and emerging markets add some spice but it's more a garnish than a substantial part of the meal. Expanding the geographic palate could mitigate risks and tap into growth opportunities elsewhere.

Market capitalization Info

  • Large-cap
    37%
  • Mega-cap
    35%
  • Mid-cap
    21%
  • Small-cap
    5%

The market cap allocation here is like attending a party and only talking to the most popular people there. Sure, 37% in big and 35% in mega-cap companies offer the allure of stability and predictability. But with only 5% in small caps, it's missing out on the potential high-fliers of tomorrow. It's a safe strategy, but one that might not capture the full growth potential of the market.

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 Efficient Frontier, this portfolio might be lounging a bit too comfortably in the "safe" zone, potentially sacrificing higher returns for lower risk. While it's not stuck in the mud, it's certainly not winning any races either. It's like choosing a reliable sedan over a sports car; you'll get where you're going, but the journey might lack excitement. Balancing risk and return more effectively could turn this steady journey into an exhilarating adventure.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.80%
  • Schwab Emerging Markets Equity ETF 2.60%
  • Schwab International Equity ETF 2.60%
  • Schwab U.S. Mid-Cap ETF 1.40%
  • Schwab U.S. Large-Cap ETF 1.20%
  • Weighted yield (per year) 2.15%

With a total yield of 2.15%, this portfolio seems to have a soft spot for dividends, which isn't a bad thing. Dividends can be the comforting pat on the back during market volatility, providing a steady income stream. However, leaning too heavily on dividend-yielding stocks, especially from a narrow sector or geographic focus, could limit growth potential. It's like preferring a steady job over pursuing a potentially more lucrative passion.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab Emerging Markets Equity ETF 0.11%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. Mid-Cap ETF 0.04%
  • Schwab U.S. Large-Cap ETF 0.03%
  • Weighted costs total (per year) 0.05%

The total TER of 0.05% is like finding a luxury car with an economy price tag—it's surprisingly affordable for what's on offer. In the world of investment costs, where high fees can eat into returns like termites in a wooden house, this portfolio stands out for its cost-efficiency. Kudos for keeping more of your investment returns in your pocket and not in the fund manager's yacht fund.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey