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This portfolio is a beautiful index buffet ruined by cloning the S&P 500 five different ways

Report created on May 6, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

This portfolio looks like someone raided the low-cost index aisle and just kept throwing things in the cart. Multiple S&P 500 funds, multiple total market funds, a total world fund, plus overlapping dividend, value, and growth slices — it’s the financial equivalent of buying three combo meals that all come with fries. On paper it screams “diversified,” but under the hood it’s basically one big US equity bet wrapped in different logos. The small bond, cash, gold, and real estate pieces feel like garnish sprinkled on top for respectability. Structurally, it’s more cluttered than complex: lots of tickers, not many truly different ideas driving the outcome.

Growth Info

Historically, this thing has done well in absolute terms and still managed to underachieve relative to extremely basic benchmarks. Turning $1,000 into $1,531 with a 16.17% CAGR is solid, but the US market and global market both did better, with 20.23% and 19.04% respectively. So the portfolio took a decent amount of risk, got a -14.31% drawdown, and then politely lagged behind simple index exposures. CAGR — the “what if this were smooth” average growth — says the portfolio is a nice ride, just not the fastest car on the track. You’re basically paying in complexity for less-than-index returns.

Projection Info

The Monte Carlo projection politely reminds that markets don’t care how many ETFs are in a portfolio. Simulations — thousands of random return paths based on past volatility — say $1,000 is “most likely” to land around $2,698 after 15 years, with a wide possible range from “barely grew” to “pretty impressive.” That 7.5% projected annualized return is fine, but not magical, and the 75% chance of ending positive is basically the market saying “coin flip plus a bit.” As usual, past data is yesterday’s weather: useful, but not a prophecy. The real takeaway is that nothing in this construction screams special edge.

Asset classes Info

  • Stocks
    80%
  • Bonds
    9%
  • No data
    7%
  • Cash
    3%
  • Real Estate
    1%
  • Other
    1%

Asset class mix: 80% stocks, 9% bonds, 3% cash, plus a tiny sprinkle of real estate and “other.” For a “cautious” 3/7 risk score, this is more “diet equity” than genuinely defensive. It’s like ordering a triple cheeseburger and justifying it because there’s lettuce on it. Bonds are there, but they’re not doing much heavy lifting if risk actually spikes — especially with equities dominating the stage. The result is a portfolio that will mostly live and die with stock markets, while the smaller diversifiers are more like background extras than real stabilizers when things get rough.

Sectors Info

  • Technology
    20%
  • Financials
    13%
  • Industrials
    9%
  • Consumer Discretionary
    7%
  • Health Care
    7%
  • Telecommunications
    6%
  • Real Estate
    5%
  • Consumer Staples
    4%
  • Energy
    4%
  • Cash
    3%
  • Utilities
    3%
  • Basic Materials
    3%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, this is a classic modern equity salad with a big spoonful of tech at 20% and a generous serving of financials at 13%. Nothing outrageously concentrated, but tech and growth-heavy names clearly drive the mood. The rest — industrials, consumer areas, health care, a dab of real estate and utilities — fill out the cast so it looks balanced on the surface. The catch is that a lot of these sectors move together when things really hit the fan. So while it’s not a single-sector addiction, it is very much built for a world where big, tech-leaning business keeps winning.

Regions Info

  • North America
    65%
  • Europe Developed
    5%
  • Cash
    3%
  • Asia Emerging
    3%
  • Asia Developed
    3%
  • Japan
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Australasia
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, this screams “USA and… whatever’s left in the index.” With 65% in North America, the rest of the world is basically a side quest. Europe, Japan, and the rest barely show up in single digits each. This is the classic home bias: heavy exposure to one large, familiar market while treating the rest of the planet like optional DLC content. When the US leads, this feels smart; when it doesn’t, the portfolio just shrugs and accepts underperformance. “Global diversification” is technically present, but in the same way a garnish technically counts as vegetables.

Market capitalization Info

  • Mega-cap
    28%
  • Large-cap
    25%
  • Mid-cap
    17%
  • Small-cap
    9%
  • Micro-cap
    2%

This breakdown covers the equity portion of your portfolio only.

Market cap exposure is actually one of the more sensible parts: 28% mega-cap, 25% large, 17% mid, 9% small, 2% micro. It’s basically a “mostly big, a bit of everything else” structure that looks a lot like broad indexes. No wild bet on tiny companies, no full worship of mega-cap giants only. The ironic twist is that this decently balanced size profile is mostly achieved by owning multiple overlapping broad-market funds instead of one or two clean vehicles. The end result behaves fine, but it took the scenic, overcomplicated route to get somewhere very normal.

True holdings Info

  • NVIDIA Corporation
    3.07%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core S&P 500 ETF
  • Apple Inc
    2.56%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
    • iShares Core S&P 500 ETF
  • Microsoft Corporation
    2.00%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
    • iShares Core S&P 500 ETF
  • Amazon.com Inc
    1.50%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core S&P 500 ETF
  • Berkshire Hathaway Inc
    1.43%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Value Index Fund ETF Shares
    • iShares Core S&P 500 ETF
    Direct holding 0.84%
  • Alphabet Inc Class A
    1.33%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core S&P 500 ETF
  • Broadcom Inc
    1.33%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 Growth ETF
    • Vanguard High Dividend Yield Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core Dividend Growth ETF
    • iShares Core S&P 500 ETF
  • Simon Property Group Inc
    1.26%
    Part of fund(s):
    • Fidelity® MSCI Real Estate Index ETF
    Direct holding 1.22%
  • Alphabet Inc Class C
    1.06%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core S&P 500 ETF
  • Meta Platforms Inc.
    0.88%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
    • iShares Core S&P 500 ETF
  • Top 10 total 16.41%

This breakdown covers the equity portion of your portfolio only.

The look-through holdings tell the real story: you didn’t buy lots of funds, you bought the same mega-caps repeatedly. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta — they’re all quietly stacked via index funds. Berkshire and Simon Property Group even show up both directly and inside ETFs, just to drive home the duplication. And that’s only from the top-10 ETF holdings; actual overlap is almost certainly higher. This is the “Netflix password sharing” version of diversification: multiple accounts, same content. Hidden concentration in a handful of mega-caps is doing far more work than the long ticker list suggests.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 80%
Size
Exposure to smaller companies
Neutral
Data availability: 86%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 79%
Quality
Preference for financially healthy companies
Neutral
Data availability: 79%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 99%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 89%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor exposure is impressively boring — and that’s not an insult here. Value, size, momentum, quality, yield, and low volatility all sit basically neutral, hovering around market-like levels. Factor exposure is the ingredient list behind returns, and this ingredient list is just “standard recipe.” No wild lean into junky high yield, no reckless momentum binge, no extreme low-volatility obsession. In effect, the portfolio behaves like a broad, plain-market blend wrapped in a lot of wrappers. Ironically, for something with so many funds, the factor profile looks like someone just bought one big global equity index and called it a day.

Risk contribution Info

  • iShares Core S&P 500 ETF
    Weight: 16.60%
    20.9%
  • Vanguard S&P 500 ETF
    Weight: 12.73%
    15.9%
  • iShares Core S&P Mid-Cap ETF
    Weight: 5.81%
    8.4%
  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 5.62%
    7.4%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    Weight: 5.10%
    5.8%
  • Top 5 risk contribution 58.5%

Risk contribution exposes who’s really driving the bus. The two main S&P 500 ETFs plus the mid-cap fund together carry about 45% of total portfolio risk, despite being just under 35% of the weight. That means they punch above their weight when volatility shows up. The S&P 500 and total stock market positions are basically redundant engines all pulling in the same direction, so when markets lurch, they lurch together. Smaller positions and fancy side bets barely matter to the ups and downs. It’s a long list of holdings, but a very short list of actual risk drivers.

Redundant positions Info

  • iShares Aaa - A Rated Corporate Bond ETF
    iShares 7-10 Year Treasury Bond ETF
    Vanguard Total Bond Market Index Fund ETF Shares
    High correlation
  • Vanguard Small-Cap Value Index Fund ETF Shares
    iShares Core S&P Mid-Cap ETF
    Vanguard Value Index Fund ETF Shares
    Vanguard High Dividend Yield Index Fund ETF Shares
    iShares Core Dividend Growth ETF
    iShares Core S&P Small-Cap ETF
    Invesco S&P 500® Equal Weight ETF
    High correlation
  • iShares Gold Trust
    iShares® Gold Trust Micro
    High correlation
  • SCHWAB TOTAL STOCK MARKET INDEX FUND SELECT SHARES
    Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    Vanguard Total World Stock Index Fund ETF Shares
    SPDR® Portfolio S&P 500 Growth ETF
    iShares Core S&P 500 ETF
    High correlation
  • Vanguard International High Dividend Yield Index Fund ETF Shares
    Vanguard Total International Stock Index Fund ETF Shares
    Vanguard FTSE Developed Markets Index Fund ETF Shares
    High correlation

The correlation list reads like a roll call of “things that move together because they’re basically the same idea.” S&P 500 funds highly correlated with each other and with total market and world funds; mid- and small-cap funds tracking each other; the dividend/value cluster marching in sync; and even your gold exposure duplicated through two almost identical products. Correlation just means assets partying together — great on the way up, terrible when the music stops. Here, a lot of supposedly distinct lines on a statement are really one bet with different branding and slightly different expense ratios.

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.

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The efficient frontier section is brutal. At your current risk of 11.51%, the portfolio sits about 9.6 percentage points below the best achievable mix using your existing holdings. Translation: with the same ingredients, the recipe is surprisingly inefficient. The current Sharpe ratio of 1.0 (return per unit of risk) looks fine in isolation, but next to the “optimal” mix it’s like jogging while your shoes are tied together. The extreme Sharpe numbers on the optimal and minimum variance lines here are clearly a data quirk, but the core message stands: these weights are leaving easy risk/return improvements on the table.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.90%
  • iShares Core Dividend Growth ETF 2.00%
  • iShares Select Dividend ETF 3.40%
  • Fidelity® MSCI Real Estate Index ETF 3.30%
  • iShares 7-10 Year Treasury Bond ETF 3.90%
  • iShares Global Infrastructure ETF 2.90%
  • iShares Core S&P Mid-Cap ETF 1.20%
  • iShares Core S&P Small-Cap ETF 1.20%
  • iShares Morningstar Mid-Cap Growth ETF 0.70%
  • iShares Core S&P 500 ETF 1.10%
  • Realty Income Corporation 4.60%
  • PIMCO ETF Trust - PIMCO Multisector Bond Active Exchange-Traded Fund 6.30%
  • iShares Aaa - A Rated Corporate Bond ETF 4.50%
  • Invesco S&P 500® Equal Weight ETF 1.50%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • iShares 0-3 Month Treasury Bond ETF 3.90%
  • iShares 0-5 Year Investment Grade Corporate Bond ETF 4.30%
  • The Charles Schwab Family of Funds - Schwab U.S. Treasury Money Fund 0.30%
  • Simon Property Group Inc 4.20%
  • SPDR® Portfolio S&P 500 Growth ETF 0.50%
  • SCHWAB TOTAL STOCK MARKET INDEX FUND SELECT SHARES 1.00%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1.80%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
  • Vanguard Short-Term Treasury Index Fund ETF Shares 3.90%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total World Stock Index Fund ETF Shares 1.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Value Index Fund ETF Shares 1.90%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.20%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 3.50%
  • Weighted yield (per year) 1.88%

The income story is modest: a total yield of 1.88%, with most of the heavy lifting done by bonds, dividend ETFs, REITs, and a couple of higher-yield names. For all the dividend-branded products, this is not exactly a cash-flow machine. It’s more like a growth portfolio that occasionally sends a small “thanks for holding” check. Chasing yield clearly wasn’t the main focus, which is good, because yield-chasing often just means paying for risk in disguise. Here, the dividend tilt is mild seasoning, not a defining trait — the payout is nice, but it’s not paying anyone’s bills by itself.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • iShares Core Dividend Growth ETF 0.08%
  • iShares Select Dividend ETF 0.38%
  • Fidelity® MSCI Real Estate Index ETF 0.08%
  • iShares Gold Trust 0.25%
  • iShares® Gold Trust Micro 0.09%
  • iShares 7-10 Year Treasury Bond ETF 0.15%
  • iShares Global Infrastructure ETF 0.41%
  • iShares Core S&P Mid-Cap ETF 0.05%
  • iShares Core S&P Small-Cap ETF 0.06%
  • iShares Morningstar Mid-Cap Growth ETF 0.06%
  • iShares Core S&P 500 ETF 0.03%
  • PIMCO ETF Trust - PIMCO Multisector Bond Active Exchange-Traded Fund 0.55%
  • iShares Aaa - A Rated Corporate Bond ETF 0.15%
  • Invesco S&P 500® Equal Weight ETF 0.20%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • iShares 0-3 Month Treasury Bond ETF 0.07%
  • iShares 0-5 Year Investment Grade Corporate Bond ETF 0.06%
  • SPDR® Portfolio S&P 500 Growth ETF 0.04%
  • SCHWAB TOTAL STOCK MARKET INDEX FUND SELECT SHARES 0.03%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard Short-Term Treasury Index Fund ETF Shares 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Weighted costs total (per year) 0.06%

Costs are the one area where this portfolio is almost annoyingly competent. A total TER around 0.06% is rock-bottom cheap, even with a couple of pricier pieces like the PIMCO multisector bond fund and niche infrastructure or dividend products. It’s like you built a chaotic, overlapping mess of index funds but at least refused to overpay for it. The main “fee” here isn’t expense ratios, it’s opportunity cost: you’re paying in complexity and redundancy, not in dollars to fund companies. Still, credit where due — you definitely clicked the low-fee filters more than once.

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