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A portfolio that thinks global diversification means adding India to a US-heavy mix

Report created on Jul 12, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Diving into this portfolio is like walking into a buffet only to find it's mostly pizza with a side of international cuisine for flair. With 60% in a US Total Stock Market ETF and 30% in an International Stock ETF, it screams of a diversification strategy that got tired halfway through and decided to take a nap. The 10% allocation to an India-specific ETF feels like someone said, "Let's spice things up," but then got scared of adding too much flavor. This is a classic case of playing it safe under the guise of being worldly.

Growth Info

Historically, this portfolio's CAGR of 11.52% isn't shabby, but let's remember, past performance is like relying on yesterday's weather forecast for today's picnic—useful but not foolproof. The max drawdown of -35.21% is a stark reminder that the market doesn't always play nice. It's the financial equivalent of a roller coaster ride where you're not quite sure you meet the height requirement—it's fun until it's not.

Projection Info

Monte Carlo simulations are like video games for finance nerds, offering a sandbox to see how your portfolio might perform under different conditions. With 956 out of 1,000 simulations ending up positive, it seems like a safe bet, right? But remember, Monte Carlo is better at predicting casino outcomes than financial futures. The wide range between the 5th and 67th percentiles (4.0% to 357.3%) suggests this portfolio could either be a dud or a stud, highlighting the uncertainty and risk involved.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The asset class allocation is like attending a concert where 99% of the music is from one band, and there's a brief intermission of something else. Stocks dominate this portfolio so heavily that the 1% in cash feels like keeping a spare tire in the trunk of a car that's missing three wheels. It's a nod to diversification that doesn't really diversify.

Sectors Info

  • Technology
    23%
  • Financials
    18%
  • Industrials
    11%
  • Consumer Discretionary
    11%
  • Health Care
    10%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    3%

The sector allocation reads like a tech enthusiast who suddenly remembered there are other industries worth investing in. With 23% in technology and significant chunks in financial services and industrials, it's a portfolio that's riding the Silicon Valley hype train while trying to maintain a semblance of balance. However, the heavy tech tilt is like putting all your eggs in one basket and then tweeting about it.

Regions Info

  • North America
    62%
  • Asia Emerging
    15%
  • Europe Developed
    12%
  • Japan
    5%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic allocation attempts to be a world traveler but ends up being a homebody with a few international souvenirs. With 62% in North America and a timid step into emerging markets and Europe, it's like planning an exotic vacation and then just visiting the international section of a local supermarket. The portfolio says "global," but its passport tells a different story.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    31%
  • Mid-cap
    17%
  • Small-cap
    5%
  • Micro-cap
    1%

The market capitalization mix is like believing diversity means having both coffee and espresso. With 45% in mega-caps and 31% in big caps, it's clear this portfolio prefers the safety of the titans over the potential of scrappy underdogs. Medium, small, and micro caps are invited to the party but seem to be stuck in the coatroom, barely getting a look in.

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.

When it comes to the Efficient Frontier, this portfolio is like someone who knows the gym exists but doesn't really want to go. It's got the basics down but hasn't optimized for the best risk-return trade-off. It's like settling for a steady jog when you could be sprinting or, better yet, finding a more balanced workout routine that includes both cardio and strength training.

Dividends Info

  • iShares MSCI India ETF 0.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.63%

The dividend yield is like finding loose change under the couch cushions; it's nice, but you're not funding a vacation with it. A total yield of 1.63% is decent for supplemental income, but it's hardly a game-changer. It's the financial equivalent of a pat on the back—appreciated but not exactly life-altering.

Ongoing product costs Info

  • iShares MSCI India ETF 0.65%
  • 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) 0.10%

On the bright side, the total TER of 0.10% is like finding a low-cost airline that doesn't charge for breathing. It's refreshingly affordable, proving that cost-efficiency is one thing this portfolio got right. It's a rare example of financial frugality in a world where fees can eat into your returns like a hungry caterpillar.

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