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A portfolio that treats diversification like a buffet - too much of the same thing

Report created on Jul 30, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

At first glance, this portfolio screams "I love ETFs and I cannot lie," but it takes the ETF enthusiasm to a level where it's like wearing different shades of the same color and calling it a diverse wardrobe. With over 70% in just two ETFs focused on broad U.S. and international markets, it's like betting both your legs in a three-legged race. Sure, it's diversified, but it's like sprinkling different spices on the same dish and expecting a new cuisine every time.

Growth Info

With a CAGR of 14.93%, it's like your portfolio attended a high school reunion and realized it was only average. Sure, it's not a bad number, but when the market has been throwing a party, you're just about keeping up with the dance moves. The max drawdown of -36.69% is like realizing your parachute is a backpack mid-fall. It suggests that while the highs are good, the lows can get pretty scary.

Projection Info

Monte Carlo simulations are like those fortune cookies at a Chinese restaurant - intriguing, but not always accurate. With projections ranging from a 24.6% to a 616.1% increase, it's like saying your future could be anything from a studio apartment to a mansion. While it's comforting to see 975 out of 1000 simulations giving positive returns, remember, in the world of investing, there are no guarantees, only educated guesses.

Asset classes Info

  • Stocks
    100%

All in on stocks, huh? This portfolio has put all its eggs in one basket, then decided to balance the basket on a unicycle. With 100% in stocks and no buffer from bonds or cash, it's like deciding to sprint through a minefield blindfolded. Sure, it's thrilling, but one wrong step and it's game over. A little diversification could be the difference between a faceplant and a victory lap.

Sectors Info

  • Technology
    23%
  • Financials
    18%
  • Industrials
    13%
  • Consumer Discretionary
    12%
  • Health Care
    8%
  • Telecommunications
    7%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    5%
  • Real Estate
    2%
  • Utilities
    2%

The sector spread is like a kid's first attempt at a balanced diet - heavily skewed towards the sweets. With a whopping 23% in technology and financial services coming in second at 18%, it's like betting on two horses in a race with dozens. Sure, tech and finance have had their moments in the sun, but when the weather changes, you'll wish you had an umbrella.

Regions Info

  • North America
    72%
  • Europe Developed
    14%
  • Japan
    7%
  • Australasia
    2%
  • Asia Developed
    2%
  • Asia Emerging
    1%
  • Africa/Middle East
    1%

72% in North America? This portfolio's geographic diversification is like saying you're well-traveled because you've been to both Disneyland and Disney World. Sure, North America has its merits, but ignoring the rest of the world's potential is like refusing to try any cuisine that isn't fast food. It's comfortable, but you're missing out on a lot of flavors.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    24%
  • Mid-cap
    20%
  • Small-cap
    13%
  • Micro-cap
    7%

With a mix of mega, big, medium, small, and micro-caps, it's like you're trying to play every position in a soccer game at once. While it's great to see some variety, the heavy tilt towards mega and big caps (58%) is like relying on your star players while the rookies warm the bench. It's a safe play, but it won't always win the game.

Redundant positions Info

  • Schwab International Equity ETF
    Vanguard Total International Stock Index Fund ETF Shares
    High correlation

The high correlation between the Schwab International Equity ETF and the Vanguard Total International Stock Index Fund ETF Shares is like buying two different brands of plain white T-shirts and expecting them to make your wardrobe look diverse. This redundancy doesn't add value; it's just clutter. It's time to Marie Kondo your portfolio and thank one of them for its service before saying goodbye.

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 someone who insists on using a map in the age of GPS. The reliance on highly correlated assets without reaping the diversification benefits is a classic rookie mistake. It's time to upgrade to a more sophisticated navigation system that doesn't just go in circles.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Schwab U.S. Broad Market ETF 1.20%
  • Schwab International Equity ETF 2.60%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.82%

A total yield of 1.82% is like finding loose change under the sofa cushions. It's nice to have, but it's not going to fund your retirement. The dividends are the financial equivalent of a consolation prize in a game show - it's something, but it's not the jackpot. If you're leaning on these dividends for income, you might want to rethink your strategy.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Broad Market ETF 0.03%
  • Schwab International Equity ETF 0.06%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.10%

With a total expense ratio (TER) of 0.10%, this portfolio is like a budget airline - surprisingly cheap, but watch out for the hidden costs. Low fees are great, and in this case, it's one of the few areas where the portfolio shines like a polished penny. Just remember, low costs don't always mean high performance. You get what you pay for.

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