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A two-trick pony running a marathon with blinders on

Report created on Sep 8, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

At first glance, your portfolio screams "safety in numbers," but upon closer inspection, it's more like "safety in two." With 80% in a total stock market ETF and 20% in an international counterpart, you've essentially put all your eggs in two very large baskets. While simplicity has its charms, this level of concentration is like betting on red and black at the roulette table and calling it diversification. It's a lukewarm attempt at best.

Growth Info

Historically, your portfolio has been riding the bull with a CAGR of 13.72%, which is like being on a roller coaster that only goes up. But remember, what goes up must come down, and that -34.72% max drawdown is a stark reminder. It's as if you've been partying at the market's boom times without setting aside a rainy day fund. Those 31 days that drove 90% of your returns? That's not strategy; that's luck wearing strategy's Halloween costume.

Projection Info

Monte Carlo simulations are like asking a crystal ball about your financial future, but with more math and less mysticism. Your projections ranging from a 53.1% to a 469.9% increase are broad enough to drive a truck through. While 983 out of 1,000 simulations showing positive returns might sound reassuring, remember, these are just educated guesses. Betting your retirement on this is like planning your budget based on winning the lottery.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

With 99% in stocks and a lonely 1% in cash, your portfolio is as diversified as a diet consisting only of steak. Sure, it's protein-packed, but where are the veggies? The absence of bonds, real estate, or alternative investments leaves you vulnerable to stock market volatility. It's like wearing a raincoat that only covers your left shoulder – somewhat protected but mostly not.

Sectors Info

  • Technology
    29%
  • Financials
    16%
  • Consumer Discretionary
    10%
  • Industrials
    10%
  • Health Care
    9%
  • Telecommunications
    9%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    3%
  • Real Estate
    3%
  • Utilities
    2%

Your sector allocation is heavily leaning towards technology and financial services, making your portfolio a tech startup's dream investor. However, with great power comes great responsibility, and in this case, great risk. It's akin to putting most of your weight on one side of the boat; it might be fine on a calm lake, but in stormy weather, you'll wish you had balanced it out more.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

With 81% in North America, your portfolio has a home team bias that's hard to justify unless you're mistaking investing for patriotic support. Diversification across geographies is like seasoning in cooking; without it, you're just eating bland food. Europe, Asia, and emerging markets are not just footnotes; they're chapters you've barely skimmed.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    31%
  • Mid-cap
    19%
  • Small-cap
    6%
  • Micro-cap
    2%

Your love affair with mega and big caps is like having a playlist that only includes Billboard Top 100. Sure, it's comfortable and familiar, but there's a whole world of music (read: small and micro caps) out there that you're missing out on. This conservative tilt might feel safe, but it also limits your growth potential and exposes you to the whims of the market giants.

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.

Your portfolio's risk vs. return optimization seems to have been done with a "set it and forget it" mindset. Efficient Frontier theory suggests you should aim for the best possible returns for a given level of risk, but your portfolio is lounging in the shallow end of the pool. It's like using a Ferrari to do grocery runs; sure, it works, but you're not exactly pushing its limits.

Dividends Info

  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.50%

A total yield of 1.50% is like getting a consolation prize in a game you didn't know you were playing. It's not nothing, but it's also not enough to build a strategy around. Relying on dividends from this setup for income is like trying to fill a swimming pool with a garden hose; it'll take ages, and you'll probably get bored and give up.

Ongoing product costs Info

  • 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) 0.03%

The one place you've excelled is in keeping costs low, with a total TER of 0.03%. It's like finding a luxury car with the fuel efficiency of a scooter. Kudos on not letting fees eat away at your returns, but remember, even a cost-efficient engine needs the right fuel mix to perform optimally.

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