A classic vanilla portfolio that's too plain even for vanilla lovers
Report created on Jun 9, 2025Risk profile
4/7
Diversification profile
4/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 75.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00%
This portfolio is like ordering a vanilla ice cream cone in a world full of flavors — safe, predictable, but oh-so-boring. With 75% parked in a total stock market ETF and the remaining 25% in an international stock ETF, it’s like wearing a belt and suspenders at the same time. Sure, you’re covered, but where’s the flair? This is diversification at its most basic, like learning the first chord on a guitar and calling yourself a musician.
Growth
Historically, this portfolio has been the financial equivalent of a reliable family sedan — gets you from point A to B with a decent CAGR of 11.91%. But let's face it, with a max drawdown of -34.70%, it's had its moments of riding on the rims. The days contributing to 90% of returns being so few suggest that timing the market with this setup is like catching lightning in a bottle, mostly luck and not likely to be repeated.
Projection
Monte Carlo simulations throw in a fancy name, but they're essentially a crystal ball gazing exercise with maths. For this portfolio, projections range from "could've done better with a savings account" at the 5th percentile, to "let's pop the champagne" at the 67th. But remember, simulations are as good at predicting the future as fortune cookies — take them with a grain of salt and a healthy dose of skepticism.
Asset classes
- Stocks 99%
- Cash 1%
With 99% in stocks and a token 1% in cash, this portfolio is like going all-in on red at the roulette table — exciting, but you might want to have a backup plan. The "other" and "not classified" categories are at a round zero, showing a lack of adventure in exploring other asset classes. It's like refusing to try anything but cheese pizza; it’s good, but there’s a whole menu out there.
Sectors
- Technology 25%
- Financials 17%
- Health Care 11%
- Consumer Discretionary 10%
- Industrials 10%
- Telecommunications 8%
- Consumer Staples 6%
- Energy 4%
- Basic Materials 3%
- Real Estate 3%
- Utilities 3%
The sector spread is like a party where tech and financial services hog the conversation — they make up 42% of the portfolio. Healthcare, consumer cyclicals, and industrials are the awkward guests, trying to get a word in. This tech-heavy tilt is like betting on the star quarterback without a backup — great when it’s game on, but a twisted ankle away from disaster.
Regions
- North America 77%
- Europe Developed 10%
- Asia Emerging 4%
- Japan 4%
- Asia Developed 2%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, this portfolio screams "home team bias" with a whopping 77% in North America. It’s like traveling abroad and eating only at fast-food chains. Sure, Europe and Asia get a nod, but it's more of a polite wave than a hearty handshake. Diversification means more than just adding a sprinkle of international exposure; it's about embracing global flavors, not just seasoning your domestic dish.
Market capitalization
- Mega-cap 42%
- Large-cap 30%
- Mid-cap 19%
- Small-cap 6%
- Micro-cap 2%
The market cap allocation is like a movie with too many lead actors and not enough supporting roles. Mega and big caps take up 72%, leaving the mid, small, and micro caps as mere extras. While the big names bring stability, the lack of smaller companies is like refusing to invest in indie films because you only watch blockbusters — you might miss out on the next big hit.
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.
When it comes to optimization, this portfolio is like a seesaw that’s fun but could throw you off balance. The risk-return trade-off seems to be on a casual stroll rather than a calculated march. It’s efficient in a “could be worse” kind of way, but there’s room to fine-tune. Think of it as adjusting the seasoning in a recipe — a little more of this, a little less of that can make a big difference.
Dividends
- Vanguard Total Stock Market Index Fund ETF Shares 1.30%
- Vanguard Total International Stock Index Fund ETF Shares 2.90%
- Weighted yield (per year) 1.70%
On the dividend front, the yield is modest, like finding loose change in your couch cushions. It’s there, but it’s not going to fund your retirement. At a total yield of 1.70%, it's more of a gentle stream than a flowing river. If you’re looking for income, this portfolio whispers rather than shouts.
Ongoing product costs
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
One thing you’ve got right is costs — with a total TER of 0.04%, it’s like finding a luxury car with the maintenance costs of a bicycle. Low fees are the unsung hero of compounding growth, so at least on this front, you’re wearing a superhero cape.
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