Roast mode 🔥

A love letter to Schwab with a side of Vanguard, diversity in name but not in game

Report created on Aug 19, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

Your portfolio seems to have been built with a "more is more" philosophy, particularly with a Schwab-centric worldview. It's like going to an international buffet but only eating different versions of chicken. While you've got a variety of ETFs covering large caps, small caps, U.S., and international markets, you've essentially created a financial echo chamber. This isn't diversification; it's duplication with extra steps.

Growth Info

With a historical CAGR of 11.79%, it seems impressive until you realize it's like winning a race because the other runners were tied together. The max drawdown of -34.75% is a stark reminder that past performance is akin to driving by looking in the rearview mirror. It's useful, but it won't tell you everything about the road ahead.

Projection Info

Monte Carlo simulations are like financial fortune cookies, offering a glimpse of what could be. Your portfolio's 50th percentile projection of 176.3% growth is optimistic, but banking on the 5th percentile not to happen is like trusting the weather forecast a month in advance. It's a reminder to not put all your eggs in one theoretical basket.

Asset classes Info

  • Stocks
    90%
  • Bonds
    3%

You've got 90% in stocks, 3% in bonds, and a magical 7% in cash that doesn't quite add up in your asset class breakdown. This allocation screams "I love roller coasters," but even thrill-seekers need to come down to earth sometimes. A sprinkle of bonds and cash isn't a safety net; it's a napkin to clean up potential spills.

Sectors Info

  • Financials
    17%
  • Technology
    16%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Health Care
    7%
  • Telecommunications
    7%
  • Energy
    6%
  • Basic Materials
    6%
  • Consumer Staples
    5%
  • Real Estate
    3%
  • Utilities
    3%

Your sector allocation has the subtlety of a sledgehammer with financial services and technology leading the charge. It's like betting on two horses in a race of ten. Sure, they might be thoroughbreds, but ignoring the other eight could mean missing out on the dark horse that takes the lead.

Regions Info

  • North America
    48%
  • Europe Developed
    14%
  • Asia Emerging
    10%
  • Japan
    6%
  • Asia Developed
    6%
  • Latin America
    2%
  • Africa/Middle East
    2%
  • Australasia
    2%
  • Europe Emerging
    1%

Your geographic allocation seems to follow a "West is best" philosophy with a heavy tilt toward North America. While home bias is common, it's like eating at the same restaurant every night. Sure, the food is good, but there's a whole world of flavors out there you're missing.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    24%
  • Mid-cap
    16%
  • Small-cap
    12%
  • Micro-cap
    6%

Your market cap allocation leans heavily on mega and big caps, making your portfolio the financial equivalent of only shopping at big-box stores. Sure, it's comfortable and familiar, but sometimes the best deals and finds are in the small, local shops you're overlooking.

Redundant positions Info

  • Schwab Fundamental U.S. Small Company Index ETF
    Schwab U.S. Small-Cap ETF
    High correlation
  • Schwab International Small-Cap Equity ETF
    Schwab International Equity ETF
    Schwab Fundamental International Large Company Index ETF
    High correlation
  • Schwab U.S. Large-Cap ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The high correlation between your assets is like buying insurance policies from the same company for the same risk. Sure, you feel covered, but when the storm hits, you'll find your "diversification" was just multiple umbrellas in the same hand.

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 attempt at optimization is like trying to improve a recipe by adding more of the same ingredient. Without addressing the underlying issue of correlated assets, any "improvements" are just stirring the pot, not enhancing the flavor.

Dividends Info

  • Schwab Fundamental U.S. Small Company Index ETF 1.30%
  • Schwab Fundamental Emerging Markets Large Company Index ETF 4.00%
  • Schwab Fundamental International Large Company Index ETF 2.90%
  • Schwab Fundamental U.S. Large Company Index ETF 1.70%
  • Schwab U.S. Small-Cap ETF 1.50%
  • Schwab International Small-Cap Equity ETF 2.90%
  • Schwab Emerging Markets Equity ETF 2.60%
  • Schwab International Equity ETF 2.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab 5-10 Year Corporate Bond ETF 5.00%
  • Schwab U.S. Large-Cap ETF 1.10%
  • Vanguard Money Market Reserves - Vanguard Cash Reserves Federal Money Market Fund 3.80%
  • Weighted yield (per year) 2.38%

Your dividend yield strategy is a mixed bag, like a diet that's part salad, part fast food. It's commendable to seek income through dividends, but when the yield is as varied as your portfolio, it's hard to know if you're building wealth or just collecting loose change.

Ongoing product costs Info

  • Schwab Fundamental U.S. Small Company Index ETF 0.25%
  • Schwab Fundamental Emerging Markets Large Company Index ETF 0.39%
  • Schwab Fundamental International Large Company Index ETF 0.25%
  • Schwab Fundamental U.S. Large Company Index ETF 0.25%
  • Schwab U.S. Small-Cap ETF 0.04%
  • Schwab International Small-Cap Equity ETF 0.11%
  • Schwab Emerging Markets Equity ETF 0.11%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab 5-10 Year Corporate Bond ETF 0.03%
  • Schwab U.S. Large-Cap ETF 0.03%
  • Weighted costs total (per year) 0.16%

At a glance, your total TER of 0.16% is like finding a low-cost flight to your dream destination. It's one of the few areas where your portfolio isn't begging for a roast. However, remember, low fees on a poorly constructed flight path won't make the landing any smoother.

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