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A masterclass in redundancy: the art of buying the same thing thrice

Report created on Oct 16, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Your portfolio's structure is like buying three different brands of plain white T-shirts and calling it a versatile wardrobe. With over 90% of your assets in U.S. stocks and a glaring overlap among the Vanguard Growth Index Fund, iShares Core S&P U.S. Growth ETF, and Vanguard Total Stock Market Index Fund, you've basically tripled down on the same bet. It's akin to ordering three slightly different vanilla lattes from the same coffee shop and expecting a diverse flavor profile.

Growth Info

Historically, you've been riding high with a CAGR of 16.14%, which sounds fantastic until you realize it's like celebrating your car's high speed while ignoring it's only because you're going downhill. With a max drawdown of -32.83%, it's clear your portfolio's resilience is as sturdy as a house of cards in a wind tunnel. The days contributing to 90% of your returns being so few is like winning the lottery; great when it happens, but not a strategy.

Projection Info

Monte Carlo simulations suggest a wild ride ahead, with scenarios ranging from modest gains to eye-watering wealth. But relying on these simulations is like using a weather forecast from two weeks ago to plan your beach day. It's useful to a point but take it with a grain of salt. The high correlation among your assets means if one goes down, they all might, turning your diversified portfolio into a synchronized swimming team that forgot how to swim.

Asset classes Info

  • Stocks
    100%

With 100% in stocks, your portfolio is as diversified as a diet consisting solely of potatoes. Sure, you can fry them, mash them, or boil them, but at the end of the day, it's still just potatoes. A little variety wouldn't hurt, unless you're aiming for the financial equivalent of scurvy.

Sectors Info

  • Technology
    39%
  • Telecommunications
    12%
  • Financials
    11%
  • Consumer Discretionary
    9%
  • Industrials
    8%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Consumer Discretionary
    3%
  • Real Estate
    2%
  • Energy
    2%
  • Basic Materials
    2%
  • Utilities
    1%

Your sector allocation is heavily skewed towards technology, making your portfolio look less like a well-rounded investment strategy and more like a fan club for Silicon Valley. With 39% in tech, you're not diversified; you're just a few steps away from wearing a t-shirt that says "I heart tech stocks." The underrepresentation of other sectors makes your portfolio as balanced as a one-legged stool.

Regions Info

  • North America
    91%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%

With 91% in North America, your portfolio screams "America first" louder than a political rally. The token nod to international stocks is less about global diversification and more like keeping a foreign coin as a souvenir. In a world as interconnected as ours, putting all your eggs in the American basket is like refusing to use a map because you've memorized the way to work.

Market capitalization Info

  • Mega-cap
    56%
  • Large-cap
    26%
  • Mid-cap
    14%
  • Small-cap
    3%
  • Micro-cap
    1%

A 56% allocation to mega-caps suggests you're drawn to the allure of big names like a moth to a flame. While big companies can offer stability, your portfolio's heavy tilt towards them, combined with scant attention to smaller caps, means you're missing out on growth opportunities elsewhere. It's like only watching blockbuster movies and never giving indie films a chance.

Redundant positions Info

  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
    Vanguard Total Stock Market Index Fund Admiral Shares
    iShares Core S&P U.S. Growth ETF
    High correlation

The high correlation among your top holdings is the investment equivalent of wearing a belt with suspenders. Sure, you're doubly sure your pants won't fall, but at what cost? This redundancy doesn't add safety; it just shows a lack of strategy. Diversification is about spreading risks, not multiplying your bets on the same horse.

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 approach to risk vs. return optimization is like trying to improve your car's efficiency by adding more fuel to the tank without checking if the engine works properly. The heavy overlap among your top picks suggests a misunderstanding of what diversification truly means. It's not just about collecting assets; it's about collecting the right mix that moves independently. Think of it as assembling a sports team where every player is a quarterback — impressive individually but dysfunctional as a unit.

Dividends Info

  • iShares Core S&P U.S. Growth ETF 0.50%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.40%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 2.10%
  • Vanguard Total Stock Market Index Fund Admiral Shares 1.10%
  • Weighted yield (per year) 0.78%

Your dividend strategy seems to be an afterthought, like remembering to tip as you're walking out of a restaurant. With a total yield of 0.78%, it's clear income isn't your priority, but even for growth-focused portfolios, a little income can be a soothing balm during market turbulence. Right now, your dividends are like finding loose change in the couch; nice, but hardly impactful.

Ongoing product costs Info

  • iShares Core S&P U.S. Growth ETF 0.04%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.05%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 0.09%
  • Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
  • Weighted costs total (per year) 0.05%

The one place you've shown restraint is in costs, with a total expense ratio (TER) of just 0.05%. It's like finding a designer suit at a thrift store price; commendable, yet it's the only part of your strategy that seems to be on solid ground. In a sea of questionable choices, at least you're not overpaying for the privilege of this rollercoaster ride.

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