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A Vanguard-heavy portfolio that thinks diversification is just a word in the dictionary

Report created on Jul 19, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio loves Vanguard like a toddler loves a security blanket — almost exclusively and with little regard for anything else. With over three-quarters of the allocation in Vanguard funds, it's as if the investor heard about diversification and thought, "Great, I'll diversify across Vanguard products!" It's like choosing different flavors of the same ice cream brand and calling it a balanced diet.

Growth Info

Historically, this portfolio has performed like a moderately reliable sedan — not the fastest but gets you where you need to go with an 11.65% CAGR. However, the -30.08% max drawdown is a sharp reminder that even sedans can crash. Relying heavily on a few sectors means when the market sneezes, this portfolio might just catch a cold. The days contributing to 90% of returns being so few is like winning the lottery; great when it happens, but not a strategy to bank on.

Projection Info

Monte Carlo simulations suggest this portfolio could be the hare in some scenarios and the tortoise in others, with a spread from 70.6% to a whopping 457.1% at the median. But remember, Monte Carlo is like weather forecasting for your money — useful, but pack an umbrella because surprises happen. The high number of positive returns in simulations is comforting until you remember that past performance and simulations are like reading last year's horoscope.

Asset classes Info

  • Stocks
    77%
  • Bonds
    9%
  • Cash
    2%
  • Other
    1%

With 77% in stocks and a sprinkle of bonds and cash, this portfolio is like a diet mostly made up of meat with the occasional vegetable — hearty but potentially lacking balance. The "Other" and "Not Classified" categories are like the mystery ingredients in a recipe; you hope they'll enhance the flavor but wouldn't bet your health on it.

Sectors Info

  • Technology
    25%
  • Financials
    13%
  • Consumer Discretionary
    10%
  • Industrials
    9%
  • Telecommunications
    9%
  • Health Care
    8%
  • Consumer Staples
    4%
  • Real Estate
    3%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%

Tech-heavy with a side of financial services and consumer cyclical, this sector allocation screams "I read about FAANG stocks once and got really excited." It's like packing for a vacation with only swim trunks and sunscreen — great if you're going to the beach, not so much for anywhere else. The minimal allocation to other sectors is a nod to diversification that feels more obligatory than strategic.

Regions Info

  • North America
    68%
  • Europe Developed
    9%
  • Japan
    3%
  • Asia Emerging
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

With a 68% allocation to North America, it's clear this portfolio subscribes to the "home field advantage" theory. Dabbling in developed Europe and emerging Asia is like saying you're adventurous because you once tried sushi. The minimal stakes in other regions are like buying a globe for your office; it looks worldly, but you're not actually going anywhere.

Market capitalization Info

  • Mega-cap
    33%
  • Mid-cap
    21%
  • Large-cap
    19%
  • Small-cap
    3%
  • Micro-cap
    1%

This portfolio leans heavily towards mega and medium caps, essentially betting big on the giants and giving a polite nod to the middleweights. The tiny allocation to small and micro caps is like keeping a few indie albums in a playlist dominated by Top 40 hits — it's there for the indie cred, but we all know what's on repeat.

Redundant positions Info

  • VANGUARD LIFESTRATEGY GROWTH FUND INVESTOR SHARES
    VANGUARD MID-CAP INDEX FUND ADMIRAL SHARES
    Vanguard S&P 500 ETF
    High correlation

The high correlation between the Vanguard Lifestrategy Growth Fund, Mid-Cap Index Fund, and S&P 500 ETF is like buying three different brands of plain white t-shirts and expecting a fashion makeover. This redundancy adds as much diversification as changing lanes in a traffic jam — you might feel like you're doing something, but you're not really going anywhere faster.

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 suggestion to remove overlapping assets for a more efficient portfolio is akin to being told to declutter your closet. Sure, those three nearly identical Vanguard funds felt necessary at purchase, but it's time to admit you might have a hoarding problem. Aiming for a 7.96% expected return with a slight risk increase is like swapping out those old t-shirts for outfits that actually get compliments.

Dividends Info

  • Defiance Quantum ETF 0.60%
  • VANGUARD LIFESTRATEGY GROWTH FUND INVESTOR SHARES 4.70%
  • VANGUARD MID-CAP INDEX FUND ADMIRAL SHARES 1.10%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Treasury Money Market Fund 4.30%
  • VANGUARD U.S. GROWTH FUND INVESTOR SHARES 4.20%
  • Weighted yield (per year) 4.06%

With a total yield of 4.06%, this portfolio is trying to have its cake and eat it too — growth and income. However, relying on dividends from a narrow selection of funds and ETFs is like expecting a steady diet of gourmet meals from a fast-food joint. It's possible, but your options are limited and might not be as satisfying as you'd hope.

Ongoing product costs Info

  • VanEck Merk Gold Trust 0.25%
  • Defiance Quantum ETF 0.40%
  • VANGUARD LIFESTRATEGY GROWTH FUND INVESTOR SHARES 0.14%
  • VANGUARD MID-CAP INDEX FUND ADMIRAL SHARES 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Treasury Money Market Fund 0.08%
  • VANGUARD U.S. GROWTH FUND INVESTOR SHARES 0.32%
  • Weighted costs total (per year) 0.17%

At a total expense ratio (TER) of 0.17%, this portfolio is frugal on fees, which is commendable. It's like finding a budget airline that doesn't charge for breathing. In the world of investing, where costs can eat into returns like termites in a wooden house, this portfolio stands out for keeping the pests at bay.

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