Roast mode 🔥

A classic "play it safe but not too safe" portfolio that almost hits the mark

Report created on Aug 2, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio seems to have taken the "diversification is key" mantra and applied it without much zest. With a whopping 55% in a single Vanguard fund, it's like betting half your chips on red because someone said it's a winning strategy. The rest is sprinkled across international and emerging markets, with a tiny dash of Canadian flavor for good measure. It's like making a sandwich with just bread and lettuce and calling it a day. Diverse, yes, but could we maybe spice it up a bit?

Growth Info

Historically, this portfolio has been like that reliable Toyota Camry: decent performance with a CAGR of 11.51%, but it won't turn heads at the traffic light. The max drawdown of -34.36% is like hitting a pothole; it's unpleasant but not the end of the world. However, those 15 days making up 90% of returns? That's like finding a $20 bill on the sidewalk on your worst days—it's nice, but don't count on it to pay the bills.

Projection Info

Monte Carlo simulations are like playing video games with your financial future, and this portfolio's game has a decent range of endings. With a median projection of a 210.1% increase, it's not quite hitting the lottery but certainly better than a savings account. However, the 5th percentile showing a -10.1% loss is like that reminder you might not always level up in the game of investments. It's a reality check that not all simulations lead to a happy ending.

Asset classes Info

  • Stocks
    100%

All in on stocks, huh? This portfolio is like that friend who only orders chicken at every restaurant. Sure, stocks have their place, but ignoring bonds, real estate, or even some cash positions is like ignoring the salad and sides. There's a whole menu of asset classes out there. Diversifying could help soften the blow when the stock market decides to take a dive.

Sectors Info

  • Technology
    23%
  • Financials
    18%
  • Industrials
    12%
  • Health Care
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    2%
  • Consumer Discretionary
    1%

With a heavy lean towards technology and financial services, this portfolio is riding the Silicon Valley hype train with Wall Street in the caboose. It's like having a diet consisting solely of steak and champagne—luxurious but not exactly balanced. While the tech sector can offer explosive growth, it's also prone to dramatic crashes. Maybe consider adding some veggies to your plate in the form of less volatile sectors.

Regions Info

  • North America
    58%
  • Europe Developed
    21%
  • Japan
    7%
  • Asia Emerging
    5%
  • Asia Developed
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

This portfolio has a clear case of home bias, with a hefty 58% in North America. It's like never leaving your hometown and still expecting to become a world traveler. Sure, the international exposure is decent, but it's heavily skewed. The world is big, and there are markets beyond the familiar that could offer growth and diversification benefits. Maybe it's time to get a passport for your portfolio.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    33%
  • Mid-cap
    16%
  • Small-cap
    4%
  • Micro-cap
    1%

Leaning heavily on mega and big caps is like always choosing the biggest slice of cake; it's satisfying but not always the best decision. With 78% in the giants of the market, this portfolio is missing out on the growth potential and agility of smaller companies. Small and micro caps can be the sprinkle of chili flakes that adds a kick to your investment meal.

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.

This portfolio is like a well-meaning home cook; the ingredients are there, but the recipe needs tweaking. The heavy reliance on stocks, especially in familiar territories and sectors, suggests a need for a broader palette. Exploring more asset classes, regions, and sectors could create a more resilient and potentially rewarding mix. It's not about swinging for the fences but rather playing a smarter game.

Dividends Info

  • JPMorgan BetaBuilders Canada ETF 2.10%
  • BlackRock International Index Fund Cls K 2.70%
  • iShares Core MSCI Emerging Markets ETF 3.10%
  • VANGUARD TOTAL STOCK MARKET INDEX FUND INSTITUTIONAL PLUS SHARES 0.90%
  • Weighted yield (per year) 1.73%

The dividend yield here is like finding loose change in the sofa; nice to have, but not life-changing. A total yield of 1.73% isn't going to fund a retirement anytime soon, but it's a start. Considering a more strategic approach to income generation could provide a steadier cash flow, rather than just hoping for capital appreciation.

Ongoing product costs Info

  • JPMorgan BetaBuilders Canada ETF 0.19%
  • BlackRock International Index Fund Cls K 0.05%
  • iShares Core MSCI Emerging Markets ETF 0.09%
  • VANGUARD TOTAL STOCK MARKET INDEX FUND INSTITUTIONAL PLUS SHARES 0.02%
  • Weighted costs total (per year) 0.04%

At least someone's paying attention to costs, with an overall TER of just 0.04%. It's like finding a discount ticket to the investment show—every penny saved is a penny earned. This is one area where the portfolio doesn't need a roast; it's more like a gentle nod of approval.

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