Roast mode 🔥

Quietly aggressive index nerd portfolio pretending to be boring while bench-pressing factor risk

Report created on Mar 27, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

The overall build is a five-fund shrine to Vanguard plus one spicy Avantis side quest. On the surface it screams “plain vanilla indexer,” but underneath you’ve stacked extra helpings of small-cap value and quality — like ordering a salad and then burying it in bacon. The core is dominated by broad funds, with a couple of satellites trying to “smart-beta” their way to glory. Nothing is wildly stupid here, but it’s more aggressive than it first appears. Takeaway: this is basically a global equity portfolio with a personality, not a gentle balanced mix, so it deserves to be treated like a risk asset, not a savings account.

Growth Info

Historically, $1,000 turning into $2,084 is very respectable, but not exactly flex-on-the-S&P material. A 13.31% CAGR (Compound Annual Growth Rate — think average speed over the whole trip) lagged the US market by about 1.07% a year while beating the global market by 1.39%. Translation: you aimed for “smart” tilts and mostly just got “different.” Max drawdown of -36.54% versus roughly -34% for the benchmarks means you bled slightly more on the way down without getting paid extra on the way up. And 90% of returns coming from 16 days reminds you that missing a tiny handful of good days would nuke the story. Past returns are a helpful hint, not a promise from the universe.

Asset classes Info

  • Stocks
    100%

Asset classes: 100% stocks, 0% anything else. This isn’t a portfolio; it’s an opinion about risk. You’ve basically decided bonds, cash, or alternatives are for people who enjoy sleeping at night. For a “growth” setup, that’s coherent — just aggressive. The upside is simplicity and long-term return potential. The downside is that when markets crater, there’s nowhere to hide, no ballast, and no dry powder besides your emotional fortitude. Takeaway: this is fine for a long horizon and strong stomach, but pretending this is a medium-risk setup would be pure self-delusion. Own the equity roller coaster you built.

Sectors Info

  • Technology
    21%
  • Financials
    17%
  • Industrials
    15%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Telecommunications
    6%
  • Consumer Staples
    6%
  • Basic Materials
    6%
  • Energy
    4%
  • Real Estate
    3%
  • Utilities
    3%

Sector mix is reasonably balanced but still leans into a tech-influenced future. Technology at 21% on top of hefty slices of financials (17%) and industrials (15%) screams “I like economic sensitivity and I’m not scared of recessions.” Real estate and utilities barely exist, so you’re clearly not here for boring defensives. This is not a “grandma-proof” portfolio; it’s more like “economy keeps working and innovation continues” cosplay. Compared to a plain global index, you’re not wildly off, but the tilt toward cyclical and growth-friendly sectors means when the business cycle rolls over, your drawdowns can feel very real, very fast.

Regions Info

  • North America
    68%
  • Europe Developed
    13%
  • Japan
    7%
  • Asia Developed
    4%
  • Asia Emerging
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, it’s basically “USA is home base and everyone else gets supporting roles.” With 68% in North America, you’re heavily betting on one economic machine, then sprinkling exposure across Europe, Japan, and the rest of the world like seasoning. It’s still broader than a pure US portfolio, so there is some grown-up diversification here — even if the US clearly wears the crown. The risk is simple: if the US hits a lost decade, this allocation will feel like standing in the rain with a slightly bigger umbrella. Takeaway: global-ish is better than US-only, but this is still “America-centric with international garnish.”

Market capitalization Info

  • Mega-cap
    30%
  • Large-cap
    24%
  • Mid-cap
    24%
  • Small-cap
    16%
  • Micro-cap
    5%

Your market cap mix is actually one of the more interesting parts: 30% mega, 24% large, 24% mid, 16% small, 5% micro. That’s not a timid tilt; that’s a deliberate nudge down the size spectrum. You’re effectively saying, “Yes, I want the big names, but please add some chaos from smaller companies.” Smaller caps give you more potential upside and more delightful volatility — like adding hot sauce without checking the label. It’s adventurous without being reckless, but be clear: this means more tracking error versus a boring total-market clone. You’re signing up for years where this looks brilliant and years where it looks plain dumb.

True holdings Info

  • Apple Inc
    2.55%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard U.S. Quality Factor
  • NVIDIA Corporation
    2.47%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    1.76%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    1.22%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    1.10%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.96%
    Part of fund(s):
    • Vanguard Total International Stock Index Fund ETF Shares
  • Broadcom Inc
    0.91%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.86%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    0.85%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    0.69%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 13.37%

Looking through the ETFs, your top exposures read like the usual Big Tech celebrity guest list: Apple, NVIDIA, Microsoft, Amazon, Alphabet, Meta, Tesla, etc. You pretended to be a diversified factor enjoyer, but you’re still basically renting the Magnificent Whatever-Number-We’re-On-Now via broad funds. Overlap is only calculated from ETF top 10s, so the true duplication is probably even higher. Hidden concentration like this means when big US growth names sneeze, your whole portfolio catches a cold, even though you also own “value” funds. The lesson: broad ETFs plus factor satellites don’t magically free you from megacap gravity — you’re still dancing to the same handful of stocks’ music.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 20%
Size
Exposure to smaller companies
Very high
Data availability: 72%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Very high
Data availability: 12%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure-wise, you’re basically shouting “value, size, and quality” from the rooftops. Value 85%, size 85%, quality 85% makes this a full-on factor buffet. Factor exposure is like the secret ingredients list that explains why your returns wobble the way they do. You’re heavily tilted toward cheaper, smaller, and higher-quality companies, with okay momentum and moderate low-vol. That mix should theoretically help in rougher markets and when expensive darlings deflate. The catch: factor cycles are long and rude. You can underperform plain indexes for years and still be “right” on paper. This portfolio will not behave like the S&P; it will sometimes make you question your life choices.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 40.00%
    40.7%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 28.00%
    24.9%
  • Vanguard Small-Cap Value Index Fund ETF Shares
    Weight: 13.00%
    15.2%
  • Vanguard U.S. Quality Factor
    Weight: 12.00%
    12.9%
  • Avantis® International Small Cap Value ETF
    Weight: 7.00%
    6.2%

Risk contribution shows who’s actually rocking the boat, not just sitting in it. Your total US market fund at 40% weight contributes 40.7% of the risk — very on-brand. The international total fund at 28% only contributes 24.9%, so it’s actually the slightly more polite guest. The small-cap value ETF punches a bit above its weight with 13% weight and 15.2% of risk, as expected from the rowdier part of the lineup. Top three positions drive about 80.9% of total risk, so the “satellites” are more like decorative throw pillows. Takeaway: any meaningful risk tweaking happens by moving those big three, not fiddling with the smaller stuff.

Redundant positions Info

  • Vanguard Small-Cap Value Index Fund ETF Shares
    Vanguard U.S. Quality Factor
    High correlation

Your highly correlated group is the Vanguard Small-Cap Value ETF and the Vanguard U.S. Quality Factor fund — the two “smart” kids sitting next to each other copying test answers. Correlation just means they tend to move together; in a crash, they’re likely to hold hands and jump at the same time. So while they sound very different (value vs quality), in practice they’re adding less diversification than the labels suggest. It’s like buying two different brands of energy drink and realizing they both keep you up all night. Takeaway: multiple factor funds are fine, but don’t kid yourself that each one is a totally independent risk.

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.

On the risk/return chart, your current portfolio is doing the awkward middle-child thing. With 13.42% return and 19.78% risk, Sharpe 0.58, you’re sitting below where you could be. The optimal portfolio with the same ingredients hits 15.24% return at slightly *lower* risk (19.08), Sharpe 0.75, and a same-risk optimized version would reach about 15.30% return at your current risk level. Translation: you built a good pantry and then cooked a slightly underwhelming meal. The efficient frontier (the curve of best possible trade-offs) says simply reweighting these exact holdings could get you more return for the same or less pain. You’re leaving free efficiency on the table.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.10%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1.90%
  • Vanguard U.S. Quality Factor 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 1.93%

A portfolio yield of 1.93% is cute but not exactly “live off the income” material. It’s more like a pleasant side effect than a core feature. Some of the value and international pieces drag the yield up a bit, but your overall setup clearly prioritizes total return over yield. Nothing wrong with that — dividends are just one way to get paid — but if someone thought this was a passive income machine, they’re going to be disappointed. Takeaway: this is a growth portfolio that happens to spit out some cash, not a yield-focused construction. Reinvest those dividends unless you genuinely need them.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard U.S. Quality Factor 0.13%
  • 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) 0.08%

Costs are where this thing quietly flexes. A total TER of 0.08% is basically robbery in your favor. You’re getting factor tilts, global exposure, and a thoughtful structure for the price of a bad index fund from 2005. Even the “expensive” Avantis fund at 0.36% is still reasonable for what it does. Fees are the one part of investing you can almost control, and you’ve clearly decided not to light money on fire. Dry compliment: you either know what you’re doing here or just got lucky clicking the cheapest tickers — either way, your future self benefits.

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