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A love letter to Vanguard and Alpha Architect with a side of global wanderlust

Report created on Aug 22, 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, this portfolio screams "I trust Vanguard with my life, but I'm also feeling a bit adventurous." Mixing broad market ETFs with niche, quant-driven funds is like ordering a vanilla ice cream and sprinkling it with ghost pepper flakes. Sure, you've got the whole market covered, but then there's this odd craving for the exotic that's hard to explain. Diversification is great until it looks like you're trying to win at every category in a buffet.

Growth Info

With a CAGR of 9.87%, this portfolio is like that B student who occasionally surprises with an A. The problem isn't the performance; it's the rollercoaster you're on to get there. A max drawdown of -25.65% is the financial equivalent of "hold my beer and watch this." Those nine days contributing to 90% of returns? It's like banking on winning the lottery to fund your retirement.

Projection Info

Monte Carlo simulations are fun, right? Like playing roulette with your future. With outcomes ranging from losing 6.8% to gaining 304.3%, it's clear there's a wide range of possibilities. But remember, Monte Carlo is better at predicting weather than wealth. Betting on the 50th percentile is like expecting to hit the median income of a lottery winner. Plan for the worst, hope for the best, and maybe don't buy that yacht just yet.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Stocks, stocks, and more stocks. With 99% of your portfolio in equities, you're riding the stock market wave with almost no life jacket. The 1% in cash is like bringing a snorkel to a tsunami. Diversifying across asset classes isn't just a fancy term; it's a lifeline when the equity markets decide to take a nosedive.

Sectors Info

  • Technology
    18%
  • Financials
    17%
  • Industrials
    16%
  • Consumer Discretionary
    13%
  • Telecommunications
    7%
  • Health Care
    7%
  • Energy
    6%
  • Basic Materials
    6%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Real Estate
    2%

Your sector spread is a tech-heavy, finance-loving, industrials-hugging embrace. It's like having a favorite child and not being subtle about it. While your heart might be in the right place, your money might be feeling a bit too cozy with certain industries. Remember, even the most beloved sectors can have a bad day... or year.

Regions Info

  • North America
    57%
  • Europe Developed
    16%
  • Japan
    10%
  • Asia Emerging
    5%
  • Asia Developed
    4%
  • Australasia
    3%
  • Africa/Middle East
    2%
  • Latin America
    1%

With a geographical allocation that's heavily favoring North America, you've essentially put all your international eggs in one basket and then filled the rest of the basket with American eggs. It's great to love your country, but when it comes to investing, patriotism might not pay dividends. Spreading the love could reduce the heartbreak when one region stumbles.

Market capitalization Info

  • Large-cap
    27%
  • Mid-cap
    24%
  • Mega-cap
    24%
  • Small-cap
    15%
  • Micro-cap
    7%

Big, medium, mega, small, micro — it's like you're trying to collect the whole set. While it's commendable to aim for variety, the distribution seems a bit like throwing darts blindfolded. Concentrating on where you believe growth will come from requires more strategy than just hoping every cap size fits.

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.

Talking about optimization in a portfolio this eclectic is like trying to tune a guitar with a hammer. Sure, you're hitting notes, but are they the right ones? Finding the perfect balance between risk and return isn't about having a bit of everything; it's about having the right amounts of the right things. Maybe it's time to revisit the drawing board.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.60%
  • Avantis® Emerging Markets Value ETF 3.90%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Alpha Architect International Quantitative Momentum ETF 3.50%
  • Alpha Architect International Quantitative Value ETF 2.50%
  • Alpha Architect U.S. Quantitative Momentum ETF 1.50%
  • Alpha Architect U.S. Quantitative Value ETF 1.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 2.14%

With a total yield of 2.14%, your portfolio's dividend strategy is like finding loose change under the sofa cushions; it's nice, but you're not funding a vacation with it. While not all portfolios need to focus on dividends, having a strategy that complements your growth with income could provide a smoother ride.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Alpha Architect International Quantitative Momentum ETF 0.39%
  • Alpha Architect International Quantitative Value ETF 0.39%
  • Alpha Architect U.S. Quantitative Momentum ETF 0.29%
  • Alpha Architect U.S. Quantitative Value ETF 0.29%
  • 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) 0.18%

Your overall expense ratio of 0.18% is like a stealth tax — low enough not to hurt but still nibbling away at your returns. Kudos for keeping costs under control, especially with the exotic ETFs. It's like you've ordered the fancy cocktail but skipped the gold leaf garnish.

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