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A love letter to small caps and a casual fling with the S&P 500

Report created on Nov 5, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Let's start with the elephant in the room: 60% in an S&P 500 ETF? It's like wearing a belt and suspenders, but you're still paranoid your pants might fall. Then, there's the adventurous 40% split between U.S. and international small-cap value ETFs, making it look like you're trying to spice up a bland investment salad with some exotic peppers. This portfolio screams, "I want to be diversified, but I'm also afraid of commitment." It’s like you're trying to dance at two weddings simultaneously but forgetting the steps to both songs.

Growth Info

Historically, this portfolio has been like a rollercoaster designed by a caffeinated squirrel: a CAGR of 16.71% is impressive until you see the -37.59% max drawdown, which is like winning a marathon but breaking both legs in the process. Those 20 days making up 90% of your returns? That's not investing; that's playing financial Russian roulette and hoping the chamber's empty when it's your turn.

Projection Info

The Monte Carlo simulation is like telling your fortune with a Magic 8-Ball that's stuck on "Reply hazy, try again." Sure, the 50th percentile promising a 569.4% return sounds like you'll be swimming in money, but remember, simulations are as reliable as a weather forecast during hurricane season. It's good for a general idea but prepare for anything.

Asset classes Info

  • Stocks
    100%

100% stocks? Bold move. It's like deciding to diet by only eating variations of chocolate. Sure, it's delicious, but your heart might not thank you. The lack of bonds or cash is like going on a road trip with no spare tire or map, relying solely on good vibes and hope. It's thrilling until it's not.

Sectors Info

  • Technology
    24%
  • Financials
    16%
  • Consumer Discretionary
    13%
  • Industrials
    12%
  • Telecommunications
    7%
  • Energy
    7%
  • Health Care
    7%
  • Basic Materials
    6%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Real Estate
    2%

With technology leading at 24% and a smattering of everything else, this portfolio is like a tech bro's dream dinner party: mostly gadgets and gizmos with a few other guests to make it seem well-rounded. Financial services and consumer cyclicals follow, making it apparent that you're banking on the economy never hitting a speed bump. Diversify your guests; not everyone loves talking about the latest iPhone.

Regions Info

  • North America
    82%
  • Europe Developed
    7%
  • Japan
    7%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Asia Developed
    1%

North America at 82%? This portfolio has a home team bias that would make any sports fan blush. It’s like believing the world series is a global event. Yes, adding a sprinkle of Europe and Japan gives it an international flavor, but with such a heavy lean on the U.S., it's like seasoning a steak with a single grain of salt and calling it gourmet.

Market capitalization Info

  • Mega-cap
    28%
  • Mid-cap
    21%
  • Large-cap
    21%
  • Small-cap
    17%
  • Micro-cap
    10%

A mix of mega to micro caps, yet with a noticeable lean towards the giants and an adventurous dive into the realm of small and micro caps. This is akin to playing both sides of the chessboard; you might win, but you'll also definitely lose. It's an intriguing strategy if your goal is to experience every possible market movement firsthand.

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 like a teenager at their first job: enthusiastic but not quite as productive as it could be. An "optimal" portfolio outperforms yours with the same risk, suggesting there's room for improvement. It's like realizing you've been using a map upside down after a road trip; you got there, but think of the time you'd have saved.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.50%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • SPDR® Portfolio S&P 500 ETF 1.10%
  • Weighted yield (per year) 1.70%

The dividends are like finding loose change under the couch cushions; nice to have, but you won't finance a vacation with it. A 1.70% total yield is the financial equivalent of a pat on the back — it's something, but it won't pay the bills. It's a conservative approach in a portfolio that's otherwise dressed for a night out on the town.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Weighted costs total (per year) 0.13%

Finally, some good news: your costs are lower than a limbo stick at a contortionist convention. With a total TER of 0.13%, at least you're not bleeding money on fees. It's like finding a cheap, yet reliable mechanic; rare and worth celebrating. This is one of the few areas where you've made a genuinely savvy move.

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