A masterclass in putting all your eggs in one international basket
Report created on Jul 18, 2025Risk profile
4/7
Diversification profile
5/5
Positions
-
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 100.00%
So, you've decided to go all-in on the Vanguard Total International Stock Index Fund ETF Shares, turning the concept of diversification within a portfolio into a one-trick pony show. While it's commendable to look beyond the U.S. markets, having 100% of your portfolio in one ETF, even a diversified one, is like deciding to eat only spaghetti for every meal because it contains all the food groups. Sure, it's diversified across countries and sectors, but it's still just one dish.
Growth
Historically, this portfolio's CAGR of 7.59% isn't too shabby, but that maximum drawdown of -35.94% is a stark reminder that international markets can be as forgiving as a game of Monopoly with your in-laws. Those 15 days that make up 90% of returns? It's like catching lightning in a bottle, except you're in a field, during a storm, holding up a metal rod.
Projection
Monte Carlo simulations, which are like playing out a thousand different investment futures in a supercomputer, show a wide range of outcomes for this portfolio. The 50th percentile projection at 134.5% is optimistic, but that 5th percentile at -18% is a cold shower on your parade. It's a reminder that while the future might be bright, it could also be as dim as a candle in a hurricane.
Asset classes
- Stocks 97%
- Cash 3%
With 97% stocks and a token 3% in cash, this portfolio is like a car with only one gear: forward. While stocks are great for growth, a little more balance wouldn't hurt. It's like going on a road trip with only energy drinks and no water. Sure, you'll go fast, but you might also crash.
Sectors
- Financials 23%
- Industrials 16%
- Technology 13%
- Consumer Discretionary 10%
- Health Care 8%
- Basic Materials 7%
- Consumer Staples 6%
- Telecommunications 6%
- Energy 4%
- Utilities 3%
- Real Estate 3%
The sector spread is not bad, with a decent mix that's reminiscent of a well-thought-out buffet. However, leaning heavily on financial services and industrials is like doubling down on the meat dishes and skimping on the veggies. A bit more in tech and healthcare wouldn't hurt, given their growth potential and defensive nature.
Regions
- Europe Developed 39%
- Asia Emerging 16%
- Japan 16%
- Asia Developed 10%
- North America 8%
- Australasia 5%
- Africa/Middle East 3%
- Latin America 2%
- Europe Emerging 1%
Your geographical diversification is like a world tour, heavily favoring developed Europe and Japan while giving a nod to emerging markets. It's a solid approach, but the 8% allocation to North America is like visiting New York and only seeing JFK airport. A little more local flavor might enrich your experience.
Market capitalization
- Mega-cap 45%
- Large-cap 31%
- Mid-cap 17%
- Small-cap 4%
With a heavy tilt towards mega and big caps, your portfolio is like a movie relying too much on A-list stars. Sure, they bring in the crowds, but sometimes the most memorable performances come from the supporting cast. Sprinkling in more mid, small, or even micro-caps could add depth and potential for surprise hits.
Dividends
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 2.80%
The 2.80% dividend yield is a nice touch, like finding change in the couch cushions. It's not enough to fund a retirement, but it's a pleasant bonus. Just remember, dividends are only part of the story. The growth potential and volatility are like the main plot and character development in this investment saga.
Ongoing product costs
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
With total expenses at a lean 0.05%, you're not bleeding much on fees, which is like finding a no-booking-fees concert ticket. It's rare and worth celebrating. At least you're not throwing money away on high-cost funds, which is a small, but significant, victory.
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