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A portfolio that's like a buffet with too many carbs and not enough protein

Report created on Aug 17, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Kicking off with a nearly half stake in the Fidelity Total Market Index Fund, this portfolio screams "I love the home team" louder than a superfan in face paint. Diversification isn't just about throwing different names into the mix; it's about balance and harmony. Right now, it's like you've got five drummers and no lead singer. Sure, you're diversified across asset classes and sectors, but the heavy lean on one fund is like betting most of your chips on red because it's your favorite color.

Growth Info

With a CAGR that makes it look like you've been doing something right, the -31.82% max drawdown tells a story of nights spent sweating in front of CNBC. Those 28 days generating 90% of your returns? That's not investing; that's getting lucky at a roulette table. Remember, past performance is like looking in the rearview mirror while driving forward—it tells you where you've been, not where you're going.

Projection Info

The Monte Carlo simulation, with its fancy name, is really just a bunch of hypotheticals trying to predict your portfolio's prom date. But here's the thing: with outcomes ranging from -3.9% to a whopping 188.9%, it's like forecasting the weather by saying it might rain, or it might not. This wide range suggests your portfolio could take you to the moon or leave you stranded at the launchpad.

Asset classes Info

  • Stocks
    79%
  • Bonds
    20%
  • Cash
    1%

Stocks at 79% and bonds at 20% with a sprinkle of cash is like wearing a raincoat and shorts in unpredictable weather—it sort of makes sense but doesn't quite cover you properly. This imbalance could leave you shivering or sweating through market storms. A little more cash might not be a bad umbrella to have.

Sectors Info

  • Technology
    19%
  • Financials
    14%
  • Industrials
    9%
  • Health Care
    8%
  • Consumer Discretionary
    6%
  • Telecommunications
    6%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    3%
  • Real Estate
    3%
  • Consumer Discretionary
    2%
  • Utilities
    2%

Your sector spread has the usual suspects leading the charge, but it's like having a superhero team with five Hulks and no Iron Man. Diversification means having a mix that can handle different scenarios, not just betting big on technology and financial services. It's about having the right team for all missions, not just the smash-and-grab jobs.

Regions Info

  • North America
    65%
  • Europe Developed
    8%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

With 65% in North America, your portfolio's geographic allocation has the adventurous spirit of a toddler in a sandbox. There's a whole world out there! Emerging markets and developed ones outside the U.S. offer growth opportunities and risk management that your home bias is just ignoring. Time to get a passport for your money.

Market capitalization Info

  • Mega-cap
    25%
  • Large-cap
    24%
  • Mid-cap
    18%
  • Small-cap
    9%
  • Micro-cap
    2%

Your mega to micro cap spread looks like a barbell with too much weight on one end. It's great to have faith in the giants and the minnows, but remember, medium-sized companies often offer the best of both worlds—growth potential with less volatility. It's time to balance those weights.

Redundant positions Info

  • Vanguard FTSE All-World ex-US Small-Cap Index Fund ETF Shares
    FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    High correlation

Having assets that move in lockstep is like wearing a belt and suspenders—it's overkill and doesn't add style or function. Your portfolio's overlapping international funds are doing the financial equivalent of this fashion faux pas. Diversification is about adding assets that dance to different beats, not finding more guests for the echo chamber.

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.

Your portfolio's attempt at risk vs. return optimization is like trying to balance on a seesaw by yourself—it's possible, but you're likely to end up on the ground. The efficient frontier isn't just a fancy term; it's about finding that sweet spot where you're not sacrificing more risk for less reward. Right now, it seems like you're riding a unicycle on a tightrope.

Dividends Info

  • Vanguard Long-Term Bond Index Fund ETF Shares 4.70%
  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • Vanguard Total International Bond Index Fund ETF Shares 4.30%
  • Fidelity Total Market Index Fund 1.00%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.30%
  • VanEck High Yield Muni ETF 4.40%
  • Schwab U.S. Dividend Equity ETF 3.70%
  • SPDR Portfolio High Yield Bond 7.50%
  • Vanguard Small-Cap Value Index Fund ETF Shares 2.00%
  • Vanguard FTSE All-World ex-US Small-Cap Index Fund ETF Shares 2.80%
  • Vanguard Emerging Markets Government Bond Index Fund ETF Shares 6.20%
  • Weighted yield (per year) 2.31%

Your dividend yield strategy seems to be playing it safe, like dipping a toe in the water instead of diving in. While it's good to have income, don't forget growth. Your portfolio's yield is conservative, which might suit your taste, but remember, too much caution could lead to growth opportunities passing you by.

Ongoing product costs Info

  • Vanguard Long-Term Bond Index Fund ETF Shares 0.04%
  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Bond Index Fund ETF Shares 0.07%
  • Fidelity Total Market Index Fund 0.02%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • VanEck High Yield Muni ETF 0.32%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • SPDR Portfolio High Yield Bond 0.05%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard FTSE All-World ex-US Small-Cap Index Fund ETF Shares 0.08%
  • Vanguard Emerging Markets Government Bond Index Fund ETF Shares 0.20%
  • Weighted costs total (per year) 0.05%

The cost structure of your portfolio is like finding a designer label at a discount store—surprisingly affordable. With a total expense ratio (TER) averaging around 0.05%, you're keeping more of what you make. It's one of the few things in this portfolio that doesn't need a makeover.

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