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Confused barbell of growth energy and random housing with efficient frontier potential getting totally ignored

Report created on Mar 27, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This portfolio looks like it was built by three different people who never spoke to each other: a growth junkie, an oil baron, and someone weirdly fixated on construction and housing. You’ve got chunky 15% bets on large-cap growth and pure energy, a mystery 12% housing fund, a gold brick at 12%, and then a sprinkling of “oh right, diversification” with small caps, emerging, bonds, and broad indexes. It’s a barbell with extra bars glued on. Structurally, it’s not chaos, but the weights scream “story-driven picks” more than “coherent plan.” The takeaway: either define a clear core-and-satellite framework or admit this is a themed collection wearing a diversification costume.

Growth Info

Performance-wise, this thing has actually crushed it, which is almost annoying given how messy it looks. A $1,000 stake grew to about $1,690, with a 14.41% CAGR — that’s your average speed over the trip — beating both the US market and global market by around 1–2% a year. Max drawdown of -15.72% was shallower than both benchmarks, so you somehow did better with less pain. But remember, this is a short, very weird window with specific macro vibes that loved energy and growth at different times. Past data is like yesterday’s weather: useful, but it doesn’t sign a contract for tomorrow.

Asset classes Info

  • Stocks
    79%
  • Other
    12%
  • Bonds
    9%

Asset-class split: 79% stocks, 12% “other,” and 9% bonds. For something labeled “Balanced,” this is more like “Equity-heavy with a small bond apology.” The 12% “other” is mostly your gold, which is the financial equivalent of a doomsday bunker — cute as a hedge, but it doesn’t produce anything. Bonds at 9% are barely enough to soften a proper crash, let alone fund withdrawals in a downturn. The mix screams growth-focused with a token nod toward stability. Takeaway: if the goal is true balance, bond and/or cash-like exposure needs to carry more weight than a side character in a Marvel movie.

Sectors Info

  • Energy
    19%
  • Technology
    14%
  • Industrials
    11%
  • Financials
    8%
  • Consumer Discretionary
    7%
  • Consumer Discretionary
    5%
  • Basic Materials
    5%
  • Telecommunications
    4%
  • Health Care
    3%
  • Consumer Staples
    2%
  • Real Estate
    2%
  • Utilities
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, you’ve basically stapled a fat 19% energy bet onto a portfolio that otherwise leans toward growth-ish areas like tech (14%) and industrials (11%). Energy at 19% is not a tilt; it’s a statement. That kind of exposure turns your portfolio into a mood ring for oil prices and geopolitics. Meanwhile, health care, staples, and utilities barely exist, so your defensive ballast is a rounding error. This is fine while the world likes energy and risk-on sectors, but when that cycle turns, the pain can be quick and loud. Takeaway: sector tilts are fine — just don’t pretend this is sector-neutral.

Regions Info

  • North America
    57%
  • Asia Developed
    6%
  • Asia Emerging
    5%
  • Europe Developed
    4%
  • Japan
    3%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Australasia
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, it’s “America first and then we’ll see.” North America at 57% is a clear home bias, but not insane for a US-based investor. You do at least let the rest of the world say a few words with emerging, developed, Japan, and bits of everywhere else sprinkled in. The global allocation is actually one of the more sensible parts of this setup — which is saying something. Still, the US dominates the narrative, so if US valuations stay rich or underperform for a decade, this will feel heavier than expected. Takeaway: the international slice is decent, but the US still hogs the mic.

Market capitalization Info

  • Mid-cap
    22%
  • Mega-cap
    22%
  • Large-cap
    18%
  • No data
    12%
  • Small-cap
    11%
  • Micro-cap
    5%

This breakdown covers the equity portion of your portfolio only.

Market-cap mix is oddly reasonable for a portfolio that looks chaotic from the top down. About 22% mega-cap, 18% large-cap, 22% mid-cap, and then a noticeable 11% small-cap and 5% micro-cap. So you’re not just buying the giants; you’ve sprinkled in some racier smaller names via those small-cap value funds. That’s actually not a bad size balance — you’re not overbetting on tiny stuff, but you’re not just worshipping the mega-caps either. The danger is you may not fully realize how much volatility small and micro can add during real corrections. Takeaway: size-wise this is one of the least broken parts of the picture.

True holdings Info

  • Exxon Mobil Corp
    3.48%
    Part of fund(s):
    • Energy Select Sector SPDR® Fund
  • Chevron Corp
    2.60%
    Part of fund(s):
    • Energy Select Sector SPDR® Fund
  • NVIDIA Corporation
    2.11%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • Schwab U.S. Large-Cap Growth ETF
  • Apple Inc
    1.82%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • Schwab U.S. Large-Cap Growth ETF
  • Microsoft Corporation
    1.40%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • Schwab U.S. Large-Cap Growth ETF
  • ConocoPhillips
    1.06%
    Part of fund(s):
    • Energy Select Sector SPDR® Fund
  • Amazon.com Inc
    1.01%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • Schwab U.S. Large-Cap Growth ETF
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.94%
    Part of fund(s):
    • Dimensional ETF Trust - Dimensional Emerging Markets Core Equity 2 ETF
  • Alphabet Inc Class A
    0.87%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • Schwab U.S. Large-Cap Growth ETF
  • Broadcom Inc
    0.75%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • Schwab U.S. Large-Cap Growth ETF
  • Top 10 total 16.05%

The look-through holdings say you’re cosplaying as diversified while actually being quite into a few usual suspects. Exxon, Chevron, and ConocoPhillips are quietly squatting in multiple spots thanks to that big energy sector ETF. On the growth side, names like Nvidia, Apple, Microsoft, Amazon, and Alphabet show up through your growth and broad market funds. That overlap is only measured from ETF top-10s, so the real duplication is likely worse. Hidden concentration means when one of these giants sneezes, multiple pieces of the portfolio catch the cold. Takeaway: overlapping funds can turn a “diversified” menu into the same entrée served six ways.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Low
Data availability: 100%
Quality
Preference for financially healthy companies
Low
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

Factor exposure is where the personality really shows. Low volatility is notably high at 66%, so you’re apparently trying to be exciting but not *too* exciting — like driving fast in a Volvo. Value and yield are roughly neutral, while size, momentum, and quality lean mildly away from the classic “hot stock, high quality, go-go” playbook. Translation: you’re not fully chasing fashionable names, nor are you hardcore value. The big story is that low-vol tilt trying to smooth the ride while you still own some pretty spicy stuff. Takeaway: the factor mix is semi-accidentally conservative, which might be saving you from your own bold tilts elsewhere.

Risk contribution Info

  • Schwab U.S. Large-Cap Growth ETF
    Weight: 15.00%
    18.9%
  • Energy Select Sector SPDR® Fund
    Weight: 15.00%
    17.8%
  • CONSTRUCTION AND HOUSING PORTFOLIO CONSTRUCTION AND HOUSING PORTFOLIO
    Weight: 12.00%
    14.9%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 9.00%
    12.5%
  • Dimensional ETF Trust - Dimensional Emerging Markets Core Equity 2 ETF
    Weight: 13.00%
    12.1%
  • Top 5 risk contribution 76.1%

Risk contribution reveals who is actually shaking the portfolio, not who just looks important on paper. Your top three holdings by risk — Schwab Large-Cap Growth, Energy Select Sector, and the Construction and Housing fund — are 42% of the weight but over 51% of the total risk. That’s some serious superstar drama. Avantis US Small Cap Value also punches above its weight with a risk/weight ratio of 1.38, acting like the loud friend at the party despite being only 9% of the room. Takeaway: trimming or resizing these loud positions would reduce the portfolio mood swings without changing the overall cast of characters.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    SPDR S&P 500 ETF Trust
    High correlation

You’ve got some obvious correlation overkill with Schwab Large-Cap Growth and the SPDR S&P 500 ETF — those two are basically cousins who show up to the same family events wearing similar clothes. High correlation means when one drops, the other usually doesn’t heroically save the day; they just jump off the couch together. That limits diversification benefits from holding both, especially when they’re both leaning on many of the same mega-cap names. Correlation is like having multiple income sources all from the same company — it feels diversified, but one bad quarter hits everything. Takeaway: reduce redundant exposures and make each slot actually bring something new.

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 is where this portfolio gets roasted by math. Your current setup has a Sharpe ratio of 0.89 — that’s risk-adjusted return, like how much reward you get per unit of drama. The optimal mix of your *existing* holdings could hit a Sharpe of 1.37 with similar risk, or even same-risk optimized could chase way higher returns. In plain English: you’re leaving a lot of performance on the table just by having goofy weights. You don’t need new products; you just need to stop giving random sectors and pet themes oversized roles. Takeaway: a proper reweighting could upgrade this from “pretty good” to “actually sharp.”

Dividends Info

  • Avantis® International Small Cap Value ETF 3.10%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Vanguard Total Bond Market Index Fund ETF Shares 3.90%
  • Dimensional ETF Trust - Dimensional Emerging Markets Core Equity 2 ETF 2.20%
  • CONSTRUCTION AND HOUSING PORTFOLIO CONSTRUCTION AND HOUSING PORTFOLIO 3.30%
  • Schwab U.S. Large-Cap Growth ETF 0.30%
  • SPDR S&P 500 ETF Trust 0.90%
  • iShares 20+ Year Treasury Bond ETF 4.50%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 3.00%
  • Energy Select Sector SPDR® Fund 2.40%
  • Weighted yield (per year) 1.95%

Total yield around 1.95% is fine if growth is the main dish, but nobody’s retiring on this cash flow alone. You’ve got some decent yield from bonds and small-cap value, plus that housing fund, but then your growth holdings drag the income down to “pocket money” level. There’s nothing wrong with low yield if the plan is total return, but then don’t fantasize about living off dividends here. This is a growth-plus-tilts portfolio with a modest side of income, not an income machine. Takeaway: if future cash flow matters, either increase yield exposure or plan on selling shares regularly.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Dimensional ETF Trust - Dimensional Emerging Markets Core Equity 2 ETF 0.39%
  • CONSTRUCTION AND HOUSING PORTFOLIO CONSTRUCTION AND HOUSING PORTFOLIO 0.69%
  • SPDR® Gold Shares 0.40%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • SPDR S&P 500 ETF Trust 0.10%
  • iShares 20+ Year Treasury Bond ETF 0.15%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Energy Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.27%

Cost-wise, you mostly behaved like a rational human and then threw in that 0.69% housing fund as a tax for bad habits. Your total TER of 0.27% is actually pretty solid, helped heavily by the cheap Schwab, Vanguard, and SPDR core pieces. Then you’ve got mid-price factor and Dimensional/Avantis funds, which are not cheap but at least try to earn their keep. The housing fund is the clear fee hog in the lineup. Takeaway: overall fees are under control — you must have clicked the right ETFs on purpose — but that pricey active-ish piece really has to justify its existence.

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