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A portfolio that thinks diversification is owning four ETFs all screaming "USA #1"

Report created on Sep 22, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Starting off, our portfolio here seems to have taken the "put all your eggs in one basket and then put that basket in another slightly larger basket" approach to diversification. With half of it parked in the Vanguard S&P 500 ETF, it's like saying you're a foodie because you go to different McDonald's locations. Sure, there's a nod to small caps and a tech tilt, but it's more of a timid wave than a handshake. Broad diversification? More like a broad joke.

Growth Info

Historically, this portfolio has been like that one friend who always seems to land on their feet, boasting a CAGR of 20.65%. But let's not forget, even a broken clock is right twice a day. The max drawdown is a spicy -18.58%, reminding us that what goes up must come down, sometimes abruptly. It's a good thing we're not using past performance as a crystal ball because it's about as reliable as a weather forecast in spring.

Projection Info

Monte Carlo simulations are like playing 1,000 rounds of financial "What If?" and this portfolio's got some pretty optimistic numbers. But remember, simulations are to investing what fan fiction is to literature: entertaining, but not to be taken too seriously. With all simulations showing positive returns, it's like saying you'll never get wet in a rainstorm. Hope for the best, but pack an umbrella.

Asset classes Info

  • Stocks
    100%

If diversity in asset classes was the goal, this portfolio missed the memo. 100% in stocks is like dieting by only eating different flavors of ice cream. Sure, it's delicious, but your doctor (or financial advisor) might have some concerns. A sprinkle of bonds or a dash of real estate could've added some much-needed balance, but why go for a balanced meal when you can have all dessert, right?

Sectors Info

  • Technology
    29%
  • Financials
    15%
  • Consumer Discretionary
    13%
  • Industrials
    10%
  • Telecommunications
    9%
  • Health Care
    7%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    1%

The sector spread here is like a buffet where half the trays are different types of potatoes. Technology takes the lion's share at 29%, followed by financial services and consumer cyclicals. It's a tech-heavy feast with a side of everything else. This portfolio loves its Silicon Valley stars, but remember, even stars can fall from the sky.

Regions Info

  • North America
    80%
  • Europe Developed
    8%
  • Japan
    3%
  • Asia Emerging
    3%
  • Asia Developed
    3%
  • Australasia
    1%
  • Latin America
    1%
  • Africa/Middle East
    1%

With 80% in North America, this portfolio is like someone who thinks a foreign vacation is going to Canada. Sure, there's a smattering of developed Europe and a pinch of Asia, but it's overwhelmingly home-biased. Expanding horizons could mean more than just adding a European ETF; it's about embracing global opportunities, not just nodding at them from across the room.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    27%
  • Mid-cap
    16%
  • Small-cap
    9%
  • Micro-cap
    7%

Mega and big caps dominate, making this portfolio a fan of the stock market's equivalent of blockbuster movies. Medium, small, and micro caps are like indie films – they might not get the same attention, but they can offer surprising performances. A little more love for the underdogs could add some interesting plot twists to this portfolio narrative.

Redundant positions Info

  • Invesco NASDAQ 100 ETF
    Vanguard S&P 500 ETF
    High correlation

The love affair between the Invesco NASDAQ 100 and Vanguard S&P 500 ETFs is like rooting for both teams in a football game; you might enjoy the game, but you're not really diversifying your emotional investment. This portfolio's strategy seems to be "if they move together, they're stronger," forgetting that in the world of investing, independence can be a virtue.

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.

Efficiency isn't just a buzzword for this portfolio; it's a distant dream. It's like trying to fit a square peg in a round hole but insisting the peg is just "misunderstood." Before optimizing, we need to address the elephant in the room: overlapping assets that cuddle closer than pandas in winter. Diversification isn't just a fancy term; it's the portfolio's missing puzzle piece.

Dividends Info

  • American Century ETF Trust 2.90%
  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.10%
  • Weighted yield (per year) 1.44%

Dividend yields are like the portfolio's allowance, and with a total yield of 1.44%, it's not getting much to spend. It's a token gesture towards income, like finding change under the sofa cushions. In a world where passive income can play a crucial role, this portfolio seems content with just the pocket change.

Ongoing product costs Info

  • American Century ETF Trust 0.31%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.14%

At least the portfolio is frugal, with a Total Expense Ratio (TER) of 0.14%. It's like being cheap on a road trip by only snacking on free hotel breakfasts. While it's commendable to keep costs low, let's not forget that sometimes, you get what you pay for. In the quest for low fees, let's not overlook the value of diversification and quality.

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