All equity heart with balanced label this portfolio can’t decide if it’s spicy or mild
Report created on Jul 6, 2026Risk profile
4/7
Diversification profile
5/5
Positions
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VE Vanguard All-Equity ETF Portfolio
VEQT - CA92201C1077 60.00% -
VF Vanguard S&P 500 Index ETF
VFV - CA92205Y1051 20.00% -
VD Vanguard FTSE Canadian High Dividend Yield
VDY - CA92203Q1046 10.00% -
VI Vanguard FTSE Developed ex North America High Dividend Yield Index ETF
VIDY - CA92202A1003 10.00%
This “balanced” portfolio is 100% equity, which is like labeling hot sauce as “medium” because it’s not on fire yet. Sixty percent is dumped into a single all‑equity wrapper, then you bolt on an S&P 500 slice and two dividend side quests. The result is more Russian doll than portfolio: a fund of funds, plus extra funds holding the same stuff again. It looks diversified on the surface, but structurally it’s basically “global equity core plus some patriotic yield seasoning.” The composition screams growth-oriented while the risk label politely whispers “balanced,” which is… optimistic. The portfolio is trying to cosplay as moderate while being fully strapped to the stock market.
Growth
Historically, this thing has done what a full-equity portfolio does: rocket up nicely, then face-plant on schedule. Turning $1,000 into $2,849 is nothing to complain about, but context matters. A 15.28% CAGR sounds heroic until the US market strolls by with 17.28%, waving a higher end value and similar max drawdown. You basically took almost the same stomach punch (-30.6% vs roughly -27%) while getting paid less for the drama. Versus the global market, though, it does edge ahead, so at least it’s not dead weight. Still, past data is yesterday’s weather: informative, but it doesn’t mean the storm will repeat on time next cycle.
Projection
The Monte Carlo projection politely taps the brakes on the backward-looking victory lap. Simulations say the median path turns $1,000 into about $2,731 in 15 years, which is a lot less glamorous than the recent history would suggest. Monte Carlo is just a fancy way of running thousands of alternate timelines and asking, “How badly can this go and how nicely might it work?” The possible range from $954 to $7,331 is basically “anything from flat to fantastic.” A 79% chance of a positive outcome is decent, but hardly a slam dunk for something that lives entirely in stocks. The future looks fine, just not nearly as shiny as the last decade of US-tilted equity sugar high.
Asset classes
- US Equity 66%
- Stocks 34%
Asset-class “diversification” here is mostly a rounding error. You’ve got 66% labelled as US equity and the other 34% filed vaguely as stocks, which is code for “it’s all equities, don’t worry about the details.” There’s no ballast, no safety net, just different flavors of shares wearing different country and factor hats. Calling this balanced is like calling a beer flight a “hydration strategy.” The upside is simplicity: one big risk engine, not a Franken-portfolio of random stuff. The downside is when stocks sneeze, this entire thing catches the flu—there’s no part of the portfolio whose job is to sit quietly and not panic.
Sectors
- Financials 24%
- Technology 19%
- Industrials 10%
- Energy 9%
- Consumer Discretionary 8%
- Basic Materials 7%
- Telecommunications 7%
- Health Care 6%
- Consumer Staples 5%
- Utilities 3%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, this portfolio is basically “Banks and Chips R Us.” Financials at 24% and technology at 19% put a big chunk of fate in the hands of interest rates and silicon cycles. Then you’ve got a smattering of industrials, energy, and materials to keep things economically sensitive across the board. Defensive areas like utilities and staples are token extras, not actual bodyguards. This is more pro‑cyclical than it looks: it wants the economy humming, credit flowing, and people spending. The sector mix is very “we believe in capitalism at full throttle,” with not much built in for the days when that enthusiasm goes missing.
Regions
- North America 75%
- Europe Developed 12%
- Japan 5%
- Asia Developed 3%
- Asia Emerging 2%
- Australasia 2%
- Africa/Middle East 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, this is a love letter to North America with a polite nod to everyone else. Seventy‑five percent sits in North America, and the rest is sprinkled across Europe and bits of Asia like seasoning rather than a real second pillar. For a so‑called all‑equity global setup, it’s more “home-ish bias plus allies” than genuinely global. The tilt means that when North America has a mood swing, the portfolio doesn’t have many other regions to step in and offset. The diversification score calls this “highly diversified,” but that’s grading on a curve where “not entirely one country” earns a gold star.
Market capitalization
- Mega-cap 47%
- Large-cap 31%
- Mid-cap 17%
- Small-cap 3%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
Market-cap exposure leans heavily into the big kids’ table: 47% mega-cap, 31% large-cap. Mid-caps show up meaningfully, but small and micro are basically background noise. This is the classic index structure: lots of giants, not much of the scrappy underdog stuff. It’s comforting in a way—household names instead of experimental science projects—but it’s also pretty vanilla. If large, widely followed companies sneeze, everything feels it at once. There’s very little in the way of truly independent, idiosyncratic company risk that might zig while the global megacaps zag. Safe from lottery-ticket disasters, sure, but also locked into whatever mood the big end of the market is in.
True holdings
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VT Vanguard Total Stock Market Index Fund ETF Shares 26.20%
Part of fund(s):- Vanguard All-Equity ETF Portfolio
- Vanguard US Total Market
-
VW Vanguard FTSE Emerging Markets Index Fund ETF Shares 4.30%
Part of fund(s):- Vanguard All-Equity ETF Portfolio
- Vanguard FTSE Emerging Markets All Cap Index ETF
-
RY Royal Bank of Canada 2.83%
Part of fund(s):- Vanguard All-Equity ETF Portfolio
- Vanguard FTSE Canada All Cap
- Vanguard FTSE Canadian High Dividend Yield
-
TD Toronto Dominion Bank 1.94%
Part of fund(s):- Vanguard All-Equity ETF Portfolio
- Vanguard FTSE Canada All Cap
- Vanguard FTSE Canadian High Dividend Yield
-
NV NVIDIA Corporation 1.52%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard S&P 500 Index ETF
-
AA Apple Inc 1.33%
Part of fund(s):- Vanguard S&P 500 ETF
- Vanguard S&P 500 Index ETF
-
EN Enbridge Inc 1.33%
Part of fund(s):- Vanguard All-Equity ETF Portfolio
- Vanguard FTSE Canada All Cap
- Vanguard FTSE Canadian High Dividend Yield
-
BM Bank of Montreal 1.21%
Part of fund(s):- Vanguard All-Equity ETF Portfolio
- Vanguard FTSE Canada All Cap
- Vanguard FTSE Canadian High Dividend Yield
-
BN Bank of Nova Scotia 1.12%
Part of fund(s):- Vanguard All-Equity ETF Portfolio
- Vanguard FTSE Canada All Cap
- Vanguard FTSE Canadian High Dividend Yield
-
CM Canadian Imperial Bank Of Commerce 1.09%
Part of fund(s):- Vanguard All-Equity ETF Portfolio
- Vanguard FTSE Canada All Cap
- Vanguard FTSE Canadian High Dividend Yield
- Top 10 total 42.86%
This breakdown covers the equity portion of your portfolio only.
The look‑through holdings reveal the secret: this isn’t four funds; it’s one giant US total-market bet with some Canadian banks taped to the sides. Vanguard Total Stock Market at 26.2% is the quiet puppeteer, while the S&P 500 ETF overlaps heavily with it. On top of that, Royal Bank, TD, Enbridge, and the entire Canadian big‑five banking club show up like they own the place. Hidden overlap means the same companies are driving performance from multiple angles, even if the pie chart pretends there are lots of independent bets. It’s less a symphony and more the same few instruments playing through several speakers.
Risk contribution
-
Vanguard All-Equity ETF Portfolio
Weight: 60.00% 60.6% -
Vanguard S&P 500 Index ETF
Weight: 20.00% 21.5% -
Vanguard FTSE Canadian High Dividend Yield
Weight: 10.00% 9.4% -
Vanguard FTSE Developed ex North America High Dividend Yield Index ETF
Weight: 10.00% 8.5%
Risk contribution lays it out bluntly: the all‑equity ETF is the boss. At 60% weight and 60.64% of total risk, it’s basically doing exactly what you’d expect—driving the bus. The S&P 500 slice, though only 20% by weight, punches a bit above its size at 21.48% risk share, meaning that US large caps are hogging the volatility spotlight. The two dividend funds pull their weight more gently, contributing slightly less risk than their allocation suggests. With the top three positions accounting for 91.5% of total risk, this isn’t some finely tuned multi-engine machine; it’s one main engine, one booster, and a couple of decorative stabilizers.
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.
The efficient frontier politely points out the portfolio isn’t earning its full keep. With a Sharpe ratio of 0.79, it’s sitting below both the optimal mix (1.01) and even the minimum variance portfolio (0.92), despite taking similar risk. The efficient frontier is just the “best possible tradeoff” curve using the same ingredients in different weights. Sitting 1.24 percentage points below that line at your current risk level means the portfolio is essentially leaving performance on the table while still accepting the volatility bill. Translation: even without adding anything new, a different recipe using the same funds could give more return or less drama for roughly the same ride.
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