Roast mode 🔥

A growth portfolio that is oddly smart yet still insists on carrying a few useless passengers

Report created on Dec 15, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This thing is basically a clean two-fund core with a handful of bonus clutter taped on for personality. Around two thirds is parked in total US and total international index funds, which is textbook boringly sensible. Then you’ve got overlapping international funds, a random ESG tilt, and a few tiny single-stock sprinkles so small they’re basically decoration, not strategy. Structurally it’s closer to a standard global 70/30 stocks-US/international mix than some wild science experiment, but the extra pieces don’t really earn their keep. If simplicity is power, this setup keeps flexing and then quietly adds another almost-duplicate fund for no real reason.

Growth Info

Historically, a 14% CAGR (Compound Annual Growth Rate) is hot-rod territory. Turn $10k into roughly $37k in 10 years and it feels like you’re a genius, but that came with a max drawdown of about -34%, i.e., “check your pulse” moments in crashes. A CAGR is just the smoothed average speed over a very bumpy road trip, not a promise. Against a vanilla global equity benchmark, that 14% looks strong but not shocking, roughly in line with a growth-heavy equity tilt in a good decade. Just remember: past data is yesterday’s weather—helpful to pack a jacket, not proof you won’t get soaked tomorrow.

Projection Info

The Monte Carlo results are basically saying: “Most futures look good, but don’t get cocky.” Monte Carlo is just fancy dice-rolling using past volatility and returns to simulate thousands of possible paths. A median outcome of +361.9% sounds heroic, but the 5th percentile at only +12.9% is reality tapping you on the shoulder: low-probability but painful futures exist. The 14.49% annualized across simulations is suspiciously optimistic given long-term equity history; treat that as a ceiling, not a baseline. Use these numbers to stress-test expectations, not to pre-spend gains. If anything, mentally haircut those projections and ask whether the plan still works at much lower returns.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Asset class spread is basically: “Stocks, and if that doesn’t work, well… good luck.” With 99% in equities, this is an unapologetic growth engine, not a balanced, sleep-like-a-baby setup. The 1% cash is more rounding error than safety net. This is fine if the time horizon is long and the stomach for drawdowns is strong, but it’s brutal if big drops trigger panic selling. A bit of ballast (bonds, defensive assets, or even just slightly higher cash) would smooth the ride. Right now, this is a sports car with no seatbelt: fun on straight roads, terrifying when the market decides to take a hairpin turn.

Sectors Info

  • Technology
    21%
  • Financials
    17%
  • Health Care
    14%
  • Industrials
    13%
  • Consumer Discretionary
    9%
  • Telecommunications
    7%
  • Basic Materials
    5%
  • Consumer Staples
    5%
  • Energy
    4%
  • Utilities
    2%
  • Real Estate
    2%
  • Consumer Discretionary
    1%

Sector mix is surprisingly normal for something this aggressive: tech at 21%, financials 17%, healthcare 14%, Industrials 13%, and the rest sprinkled around. No insane “all-in tech cult” vibes here—this looks roughly like a global index with maybe a mild bias toward cyclical, growth-friendly areas. That’s good news, but it also means you’re tied to the fate of broad global capitalism, not some secret sauce. In a tech bust or financial crisis, this thing will catch the flu with everyone else. If sector bets are intentional, they’re weirdly subtle; if they’re accidental, congratulations, you accidentally landed close to a reasonable sector profile.

Regions Info

  • North America
    51%
  • Europe Developed
    20%
  • Japan
    10%
  • Asia Emerging
    7%
  • Asia Developed
    5%
  • Australasia
    3%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, it’s “US first, but not America-or-nothing.” About 51% in North America and 49% spread across developed and emerging markets is actually more globally aware than most US investors, who often run 70–80% home bias. Europe, Japan, and developed Asia show up meaningfully, plus a respectable sprinkle of emerging markets. That’s the good news. The roast: you then stack multiple overlapping developed ex-US funds like you were afraid the first one didn’t count. One solid global ex-US vehicle could carry most of this job alone. The regional mix works; the execution is where it drifts from clean design into “too many tabs open” territory.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    28%
  • Mid-cap
    19%
  • Small-cap
    7%
  • Micro-cap
    1%

Market cap spread—43% mega, 28% big, 19% mid, 7% small, 1% micro—is exactly what happens when you just buy broad market funds and don’t try to be clever. And honestly, that’s a compliment. You get natural tilt toward large caps with a quiet side of small and mid caps for extra growth kick and volatility. The only slightly spicy move is the dedicated international small-cap value slice, which adds some grit and potential outperformance but also more noise. Overall, it’s a sane mix: not a meme-stock small-cap gamble, not an all-megacap mega-corp worship. Just accept that when large caps sneeze, your net worth will still catch a cold.

Redundant positions Info

  • Vanguard Total International Stock Index Fund ETF Shares
    SCHWAB INTERNATIONAL INDEX FUND SELECT SHARES
    Vanguard FTSE Developed Markets Index Fund ETF Shares
    High correlation
  • Vanguard Total Stock Market Index Fund ETF Shares
    Xtrackers MSCI USA ESG Leaders Equity ETF
    High correlation

Correlation-wise, you’ve managed to own the same thing in three slightly different outfits. The international trio—Vanguard Total International, Schwab International, and Vanguard FTSE Developed Markets—are highly correlated, meaning they move together like synchronized swimmers in a market storm. Similarly, the US total market ETF and the US ESG leaders ETF are basically cousins. Correlation just means things go up and down together; if everything drops at once, you didn’t really diversify, you just bought more copies of the same idea. Dropping redundant clones and consolidating into fewer, broader funds could keep overall behavior the same while making the portfolio cleaner and easier to manage.

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 risk–return front, this setup is like showing up to a race with a decent car while the mechanics tell you it could go faster with the same fuel. An “efficient” portfolio just means “best mix of return for a given level of risk,” not magic free money. The note that you could get higher expected return at the same risk level is basically a polite way of saying there’s redundancy and dead weight. By trimming duplicate international funds and maybe tightening the role of small active-ish tilts, it should be possible to shift closer to that efficient frontier without turning the whole thing into a casino bet.

Dividends Info

  • AbbVie Inc 2.90%
  • Avantis® International Small Cap Value ETF 3.30%
  • Fidelity National Financial Inc 3.50%
  • Pfizer Inc 6.70%
  • Schwab Emerging Markets Equity ETF 0.10%
  • SCHWAB INTERNATIONAL INDEX FUND SELECT SHARES 2.50%
  • Xtrackers MSCI USA ESG Leaders Equity ETF 1.00%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 2.02%

A 2.02% yield is “respectable adult” territory—not starvation-level low, not income-junkie high. The big yielders like Pfizer and AbbVie look dramatic on paper, but given their tiny slice of the pie, they barely move the total yield. Chasing yield is like picking a restaurant purely for portion size; you might get full, but quality and long-term health can suffer. Here, the income is just a side effect of owning broad global stocks, which is perfectly fine. If cash flow is a real goal someday, the base is decent, but structure and consistency would matter more than throwing in a couple random high-yield names for emotional comfort.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Schwab Emerging Markets Equity ETF 0.11%
  • SCHWAB INTERNATIONAL INDEX FUND SELECT SHARES 0.06%
  • Xtrackers MSCI USA ESG Leaders Equity ETF 0.10%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.07%

Costs are where this portfolio accidentally looks like it reads books. A total expense ratio around 0.07% is dirt cheap—basically the price of forgetting a penny in your couch compared to what many people pay. The Avantis small-cap value slice is the priciest, but still within reason given its more specialized strategy. The real joke is that you’re paying extra basis points for multiple overlapping international funds that don’t add much beyond complexity. You’ve clearly mastered “don’t get fleeced on fees,” now it’s time to master “don’t own three versions of the same thing just because you can.”

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