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A diversified yet oddly redundant portfolio with a love for iShares and a sprinkle of whimsy

Report created on May 6, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

At first glance, this portfolio seems like it was constructed with a "Let's throw everything at the wall and see what sticks" strategy. With a hefty 39.97% in a total U.S. stock market ETF and another 8% in an S&P 500 ETF, it's like buying the whole grocery store because you like snacks. It’s diversified, sure, but it’s like wearing two belts and suspenders — a bit overkill in the safety department.

Growth Info

Historically, this portfolio has done alright with a CAGR of 11.33%, which isn't shabby, but let's be honest, it's like winning a race because the other runners tripped. The max drawdown of -31.58% is like a rollercoaster you didn’t sign up for, highlighting the volatility you've endured. Remember, past performance is as reliable as a weather forecast — it gives you an idea but doesn't promise sunshine.

Projection Info

Monte Carlo simulations show this portfolio's future is as predictable as a soap opera plot. With a 5th percentile at a horrifying -67.7%, it suggests you could lose two-thirds of your investment in bad scenarios. But hey, there's a 50th percentile projection of 98.6% growth, which is like saying if everything goes perfectly, you might just double your money. Remember, Monte Carlo is like a fortune cookie — take it with a grain of salt.

Asset classes Info

  • Stocks
    81%
  • Bonds
    14%
  • Real Estate
    5%

The asset class spread here is like a diet that's 81% carbs, 14% protein, and 5% vegetables — unbalanced and probably not good for your heart. Stocks dominate, bonds are there but could be beefed up for balance, and real estate is like the forgotten spice that might actually make the meal tastier. Diversification is more than just a buzzword; it's the difference between a well-rounded meal and a fast-food binge.

Sectors Info

  • Technology
    20%
  • Financials
    13%
  • Industrials
    9%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Real Estate
    7%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Energy
    3%
  • Utilities
    3%
  • Basic Materials
    3%

With a 20% stake in technology, this portfolio is riding the Silicon Valley rollercoaster with both hands up. Financial services and industrials make their appearances, but it's like inviting friends over and only serving chips. The sectors are covered, but the heavy tilt towards tech is like betting on red because it's your lucky color. Diversification across sectors means not having to sweat every tech stock hiccup.

Regions Info

  • North America
    65%
  • Europe Developed
    9%
  • Asia Emerging
    4%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, this portfolio screams "America First" with a 65% allocation. The rest of the world seems like an afterthought, like remembering to water your plants the day before you leave on vacation. With only scraps thrown to emerging markets and developed regions outside the U.S., it's missing out on global growth stories. The world's a big place; your investments should reflect that.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    26%
  • Mid-cap
    19%
  • Small-cap
    6%
  • Micro-cap
    1%

This portfolio has a love affair with the big guys, with 34% in mega-caps. It's like always picking the oldest, biggest kids for your dodgeball team. Sure, they're reliable, but sometimes the small, agile ones can dodge better. With only 7% in small and micro-caps, it's missing out on the growth potential that comes from smaller companies. Balance across market caps can add agility and growth potential to your investment strategy.

Redundant positions Info

  • iShares Core S&P 500 ETF
    iShares Core S&P Total U.S. Stock Market ETF
    iShares ESG Aware MSCI USA ETF
    High correlation

The correlation trio of the S&P 500 ETF, the total U.S. stock market ETF, and the ESG Aware MSCI USA ETF is like buying three different brands of plain yogurt and expecting a taste difference. This redundancy doesn't add value or diversification; it's just more of the same. It's like wearing three raincoats in a drizzle — unnecessary and uncomfortably sweaty.

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’s attempt at optimization is like trying to clean your house with a leaf blower. Sure, you’re doing something, but is it effective? Removing overlapping assets could be a good start, like deciding you don’t need ten different types of floor cleaner. Aim for a cleaner, more streamlined approach that actually addresses diversification and risk, rather than just adding more noise.

Dividends Info

  • iShares Core U.S. Aggregate Bond ETF 3.50%
  • iShares ESG Aware MSCI USA ETF 1.20%
  • Hasbro Inc 3.40%
  • iShares Global Clean Energy ETF 1.80%
  • iShares Core S&P Total U.S. Stock Market ETF 1.30%
  • iShares Core S&P 500 ETF 1.40%
  • iShares Core MSCI Total International Stock ETF 3.00%
  • Vanguard Real Estate Index Fund ETF Shares 4.00%
  • Weighted yield (per year) 2.12%

The portfolio's dividend yield sits at a cozy 2.12%, which isn't going to fund a lavish retirement but might cover your Netflix subscription. Dividends are like the portfolio's allowance — nice to have, but don't expect to live off it. Relying too much on dividends in growth-oriented portfolios can be like hoping your lemonade stand will pay for college. Balance is key.

Ongoing product costs Info

  • iShares Core U.S. Aggregate Bond ETF 0.03%
  • iShares ESG Aware MSCI USA ETF 0.15%
  • iShares Global Clean Energy ETF 0.41%
  • iShares Core S&P Total U.S. Stock Market ETF 0.03%
  • iShares Core S&P 500 ETF 0.03%
  • iShares Core MSCI Total International Stock ETF 0.07%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • Weighted costs total (per year) 0.06%

The overall TER of 0.06% is lean, mean, and a dream for any cost-conscious investor. It's like finding a luxury car with the fuel efficiency of a scooter. While costs are under control, let's not forget that even small fees can eat into returns over time. But in this case, it's like being nibbled by a guppy rather than a shark.

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