A two-trick pony dancing in a market rodeo, hoping not to get bucked off
Report created on May 28, 2025Risk profile
4/7
Diversification profile
2/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 75.00% -
VD Vanguard FTSE Canadian High Dividend Yield Index ETF
VDYIF 25.00%
Let's start with the elephant in the room: this portfolio is about as diversified as a diet consisting solely of potatoes and bread. With 75% in a total stock market ETF and 25% in a Canadian high dividend yield ETF, it's like wearing a raincoat and flip-flops in a storm, hoping for the best. Sure, you're covered, but only just. This "balance" is more a tightrope walk above a market's mood swings.
Growth
With a CAGR of 19.33%, it sounds like you've been riding a rocket, not investing. But with great power comes great responsibility — or in this case, great volatility. That max drawdown of -17.41%? It's like enjoying the rollercoaster until it goes off the rails. Remember, past performance is like looking in the rearview mirror while driving forward; it doesn't always predict the bumps ahead.
Projection
Monte Carlo simulations are the crystal balls of the finance world, and yours seems to be on a caffeine high with a median projection of 979.6% growth. But, like weather forecasts, these simulations are great until a hurricane named Reality hits town. They're a mix of educated guesses and hopeful thinking, so don't bet the farm on them.
Asset classes
- Stocks 75%
Stocks, stocks, and more stocks. With a 75% allocation, this portfolio is more one-dimensional than a character in a bad sitcom. Asset classes are like food groups; you need a balanced diet to stay healthy. Right now, you're binging on carbs and forgetting your proteins and veggies — a risky move for your financial health.
Sectors
- Technology 22%
- Financials 11%
- Health Care 9%
- Consumer Discretionary 8%
- Industrials 6%
- Telecommunications 6%
- Consumer Staples 4%
- Energy 3%
- Real Estate 2%
- Utilities 2%
- Basic Materials 2%
Diving into sectors, we've got a tech-heavy tilt with a side of financial services and healthcare. It's like packing for a vacation with only swimsuits and forgetting the rest of your wardrobe. Sure, you're ready for the pool, but what about dinner out, or a sudden cold snap? Overexposure to a few sectors is like betting on rain in the desert; it might happen, but you shouldn't count on it.
Regions
- North America 75%
North America at 75%? It seems like you've mistaken investing for a patriotism test. Ignoring the rest of the world isn't just narrow-minded; it's like refusing to eat any food that's not from your hometown. The global market is a buffet of opportunities, and you're sticking with the appetizers.
Market capitalization
- Mega-cap 31%
- Large-cap 23%
- Mid-cap 15%
- Small-cap 5%
- Micro-cap 2%
Your portfolio's market cap spread is like a kid's growth chart: lots of potential at the bottom, but most of the action is up top. With a heavy lean on mega and big caps, you're playing it safe, but remember, sometimes the little guys grow up to be giants. Don't miss out on growth because you only shopped in the adult section.
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.
Efficiency isn't just for cars; it's crucial for portfolios too. Yours, however, seems to be running on fumes in terms of risk vs. return. It's like having a car that only drives in a straight line; great until you need to turn. Time to recalibrate your GPS towards a route that balances the bumps with the straightaways.
Dividends
- Vanguard Total Stock Market Index Fund ETF Shares 1.30%
- Weighted yield (per year) 0.98%
Ah, dividends, the portfolio's comfort food. With a total yield of 0.98%, it's like finding change under the sofa cushions; nice to have, but don't plan your retirement around it. If you're relying on dividends for income, you might want to diversify your diet beyond bread and water.
Ongoing product costs
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.02%
Here's a silver lining: your costs are lower than a limbo bar at a beach party. With a Total TER of 0.02%, at least you're not bleeding money on fees. It's like finding a cheap, all-you-can-eat buffet that doesn't give you food poisoning — a rare find in the investment world.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey