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A portfolio that loves the familiar too much and thinks global diversification is just a fancy term

Report created on Aug 21, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Diving into this portfolio is like finding out your "balanced" meal is mostly carbs. With a hefty 34% in the iShares Core S&P 500 (CAD Hedged), 33% in the Vanguard Growth Portfolio, and another 33% in the iShares Core MSCI EAFE IMI, it's like someone thought diversification meant picking three big funds and calling it a day. The portfolio leans heavily on North American equities, particularly the US, and dabbles in international exposure with a "let's not get too crazy" attitude. It's the investment equivalent of someone who thinks adding pepperoni to a cheese pizza counts as spicing things up.

Growth Info

With a CAGR of 10.33%, this portfolio might make you think you're on the right track, but let's be real: when 90% of your returns come from 16 days, you're riding the volatility rollercoaster without realizing it. It's like betting on rain in the desert: sure, it might pay off big when it happens, but can you endure the droughts in between? The -29.64% max drawdown should be a wake-up call. This isn't just a dip; it's a dive deep enough to pressure test a submarine.

Projection Info

Monte Carlo simulations are great for showing us the casino odds of our investment strategies, and with a 10.85% annualized return, you might think you're the house. But remember, even in a thousand simulations, reality only happens once. With projections ranging from "I can retire early" to "I'll be working forever," it's worth noting that betting the farm on past performance is like driving by looking in the rearview mirror: optimistic, but potentially disastrous.

Asset classes Info

  • US Equity
    46%
  • Stocks
    8%
  • Bonds
    6%

The asset class mix here is like a diet consisting mostly of bread, with a side of bread, and a little bread for dessert. With 46% in US Equity, and the rest scattered between other equities and bonds, it's clear this portfolio subscribes to the "all-in" strategy on equities. While it's great for growth in bull markets, it's about as stable as a three-legged chair in a downturn. A little more in bonds or alternative assets might not be as exciting as tech stocks, but it could prevent a diet-induced heart attack during market volatility.

Sectors Info

  • Technology
    22%
  • Financials
    19%
  • Industrials
    13%
  • Consumer Discretionary
    9%
  • Health Care
    9%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Basic Materials
    5%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    3%

Sector allocation is where things get a bit spicy, but not in the way you'd hope. With 22% in Technology and 19% in Financial Services, this portfolio is like a teenager with their first paycheck—overly enthusiastic about the shiny and new. It's great when tech is booming, but as soon as there's a hiccup, you'll feel it. And with minimal allocation to defensive sectors, it's like forgetting to pack a parachute for your skydive.

Regions Info

  • North America
    59%
  • Europe Developed
    4%
  • Japan
    1%
  • Asia Emerging
    1%
  • Asia Developed
    1%

The geographic allocation here screams "home bias" louder than a national anthem. With 59% in North America and scraps thrown to other regions, it's clear this portfolio is playing it safe by sticking close to home. While familiar markets feel comfortable, ignoring emerging markets and other developed regions is like refusing to eat anything but fast food because you know what you're getting. Sure, it's satisfying now, but it's not a winning strategy long-term.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    30%
  • Mid-cap
    17%
  • Small-cap
    3%

Market capitalization allocation shows a love affair with the giants, with 43% in mega-cap stocks. It's like only watching blockbuster movies and ignoring indie films—safe, but potentially missing out on significant returns. With only 3% in small caps, it's clear this portfolio prefers the well-trodden path to the potentially bumpy but rewarding road less traveled.

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.

The risk-return optimization of this portfolio is like trying to balance on a unicycle; it's doable but unnecessarily precarious. Leaning heavily on large-cap and tech means when it's good, it's great, but when it's bad, it's a faceplant. Diversifying more broadly across asset classes and sectors could turn that unicycle into a bicycle, making the ride smoother and less likely to end in tears.

Dividends Info

  • Vanguard Growth Portfolio 1.10%
  • iShares Core MSCI EAFE IMI 0.90%
  • iShares Core S&P 500 (CAD Hedged) 0.60%
  • Weighted yield (per year) 0.86%

With dividend yields ranging from 0.60% to 1.10%, this portfolio is trying to play the long game by focusing on growth over income. It's like investing in a startup run by your college roommate because they promise it'll be huge one day. Sure, reinvesting dividends for growth is smart, but a little more income could provide a safety net that doesn't rely solely on market appreciation.

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