A grown up stock portfolio wearing a value dividend hoodie and pretending that counts as safety
as of Mar 14, 2026Risk 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.
What type of investor this portfolio is suitable for
Growth Investors
This setup fits someone who’s clearly not scared of volatility and maybe even enjoys a bit of market drama. The vibe is long‑term, growth‑first, with a willingness to lean into factor tilts instead of just hugging the benchmark. There’s an appreciation for dividends as “emotional support cash flow,” but not at the expense of overall growth. Time horizon here is likely measured in decades, not years, and there’s at least a basic tolerance for 30–40% drawdowns without immediate panic. However, there’s also a hint of overconfidence in what 100% equities can do forever. This suits a patient, detail‑oriented optimizer who needs to occasionally be reminded that markets don’t owe anyone 15% a year.
Positions
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Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
Vanguard International High Dividend Yield Index Fund ETF Shares
VYMI - US9219467944 30.00% -
Avantis® International Small Cap Value ETF
AVDV - US0250728021 10.00% -
Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00%
This thing is 100% “stocks go up eventually” energy dressed up as diversification. Half the portfolio is straight S&P 500, then 30% in international high dividend, with the last 20% shoved into small cap value both US and international. It’s basically a barbell of mega‑cap growth and scruffy value names, skipping boring middle‑of‑the-road choices. Compared with a plain global index, this leans harder into value, yield, and small caps than most people realize. If the goal is long‑term growth, the structure is coherent, but don’t kid yourself: this is an equity rocket, not a balanced plan. Adding a dedicated stabilizer sleeve (bonds or cash) would make crashes less dramatic.
True holdings
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NVIDIA Corporation 3.92%Part of fund(s):
- Vanguard S&P 500 ETF
-
Apple Inc 3.24%Part of fund(s):
- Vanguard S&P 500 ETF
-
Microsoft Corporation 2.70%Part of fund(s):
- Vanguard S&P 500 ETF
-
Amazon.com Inc 1.97%Part of fund(s):
- Vanguard S&P 500 ETF
-
Alphabet Inc Class A 1.66%Part of fund(s):
- Vanguard S&P 500 ETF
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Alphabet Inc Class C 1.33%Part of fund(s):
- Vanguard S&P 500 ETF
-
Broadcom Inc 1.32%Part of fund(s):
- Vanguard S&P 500 ETF
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Meta Platforms Inc. 1.32%Part of fund(s):
- Vanguard S&P 500 ETF
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Tesla Inc 1.02%Part of fund(s):
- Vanguard S&P 500 ETF
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Berkshire Hathaway Inc 0.75%Part of fund(s):
- Vanguard S&P 500 ETF
- Top 10 total 19.21%
The look‑through basically confirms what anyone with a pulse already suspected: you’re still worshipping at the altar of the Magnificent Whatever‑Number‑We’re-On. Nvidia, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, Broadcom, Berkshire—this is the usual S&P royalty lineup sneaking in through the ETFs. With only about a quarter of the portfolio captured via top‑10 holdings, overlap is probably worse than it looks. Monte Carlo on just this chunk would show a lot of “great if tech keeps winning, awkward if not” paths. If the goal is to express a value/small‑cap tilt, maybe don’t let the mega‑cap darlings hog so much indirect exposure. Trimming the S&P slice could actually let your factor tilts do something noticeable.
Growth
A roughly 15% CAGR (compound annual growth rate) is fantastic, but it screams “you lived through a golden decade.” CAGR is just your average speed on a road trip, ignoring how many times you nearly drove off a cliff. The nearly 37% max drawdown is that cliff: watching a third of your money evaporate is not a small emotional test. And 90% of returns coming from about 20 days is the usual “miss the best days, destroy your returns” story. Against a simple 100% global stock benchmark, this looks competitive, maybe slightly juiced by factor tilts. But past data is yesterday’s weather: helpful, not clairvoyant. Plan as if future CAGR will be lower and drawdowns just as ugly.
Projection
Monte Carlo simulation is basically a thousand alternate universes for your portfolio, rolling dice on returns and volatility. Here, the average simulated annual return of ~16.75% with a median outcome of ~5.6x growth looks… generous. The 5th percentile at ~70.7% means that in the ugly worlds, you could be down materially even over the horizon tested. The 67th percentile near 8.6x is the seductive “this will be fine” future your brain loves. Reality will not respect this spreadsheet optimism. Simulations use historical patterns, which break in crises. Treat these numbers as “vibes with math,” not a guarantee. For sanity, model lower returns and make sure life still works if markets deliver meh instead of magic.
Asset classes
- Stocks 99%
- Cash 0%
- Other 0%
- No data 0%
Asset allocation: 99% stocks, 0% bonds, 0% anything else. This isn’t an asset allocation; it’s a dare. Calling this “broadly diversified” is like eating only pizza but from multiple restaurants and calling it a balanced diet. Stocks are one asset class, even if they come with different flavors. In crashes, they mostly go down together, just with varying degrees of drama. If the time horizon is very long and volatility tolerance is genuinely high, this equity‑only approach can be fine. But if there’s any real‑world constraint—job risk, near‑term withdrawals, actual sleep needs—a dedicated chunk in lower‑volatility assets could turn this from “roller coaster” to “still fast but you keep your lunch.”
Sectors
- Financials 23%
- Technology 19%
- Consumer Discretionary 11%
- Industrials 11%
- Telecommunications 7%
- Health Care 7%
- Energy 7%
- Basic Materials 6%
- Consumer Staples 5%
- Utilities 3%
- Real Estate 2%
Sector spread is surprisingly sane for a portfolio otherwise screaming “all‑in on equities.” Tech at 19% is high but not insane, financials at 23% and industrials/consumer cyclicals each at 11% keep it from being a pure Silicon Valley fan club. Energy, materials, and utilities are all represented, so you’re not completely abandoning the “boring stuff that makes the world function.” Versus a vanilla global index, this probably tilts a bit more toward financials and old‑economy sectors thanks to the dividend and value focus. That’s fine, but remember: financials and cyclicals can get wrecked in recessions. If tech ever underperforms while banks and smokestack companies also sag, don’t expect some magical sector savior to step in.
Regions
- North America 63%
- Europe Developed 17%
- Japan 8%
- Asia Developed 3%
- Australasia 3%
- Asia Emerging 3%
- Africa/Middle East 2%
- Latin America 1%
- Europe Emerging 0%
Geographically, this is “America first, but we’ll let the rest of the world sit at the kids’ table.” About 63% in North America with the rest scattered mostly across developed markets and a token nod to emerging regions. That’s a reasonable home bias for a US investor, just not particularly imaginative. The international high‑dividend and international small‑cap value bits at least keep this from being a total US monoculture, which is more thoughtful than most. Still, if the US has a Japan‑style “lost decade” moment, this mix will feel very US‑dependent. If global resilience is the goal, nudging international exposure higher over time and avoiding overreliance on one country’s policy circus wouldn’t hurt.
Market capitalization
- Mega-cap 39%
- Large-cap 28%
- Mid-cap 18%
- Small-cap 10%
- Micro-cap 5%
Market cap mix is actually one of the more interesting parts: 39% mega, 28% big, 18% mid, 10% small, 5% micro. So yes, you’ve got your giant household names, but you’ve also sprinkled in a non‑trivial dose of gremlins that can double or halve while you blink. Compared with a bland global index, this tilts smaller, especially through the Avantis funds. That’s great if you understand that small caps can lag for painfully long stretches and spike in volatility. If the growth tilt from the S&P 500 meets a deep small‑cap winter, returns could feel painfully “meh” versus a simpler cap‑weighted approach. Make peace with longer rough patches, not just bigger upside stories.
Factors
The factor profile is basically screaming: “value, size, and yield, but also kind of momentum and a weird nod to low volatility.” Factors are the hidden ingredients—things like value (cheap), size (smaller companies), momentum (recent winners), etc.—that explain how a portfolio behaves. Here, value, small size, and yield are dominant, while momentum and low vol are present but not in charge. That’s like ordering a greasy burger with a side salad and pretending it balances out. The mixed signals mean this can do well when cheap, smaller, higher‑yielding names are in favor, but it won’t be a pure growth rocket. Just remember: factor cycles can suck for years. Sticking with this mix requires patience and a strong stomach.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 50.8% -
Vanguard International High Dividend Yield Index Fund ETF Shares
Weight: 30.00% 26.9% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 13.1% -
Avantis® International Small Cap Value ETF
Weight: 10.00% 9.2% - Top 3 risk contribution 90.8%
Risk contribution tells you which holdings actually cause the emotional damage, not just which ones take space. The S&P 500 ETF is 50% of the weight and about 51% of total risk, so it’s doing exactly what you’d expect: half the portfolio, half the drama. The US small‑cap value fund is only 10% weight but over 13% of total risk, meaning it’s disproportionately spicy. Top three positions driving over 90% of risk means the rest are basically background noise. If avoiding nasty surprises matters, periodically trimming the extra‑volatile sleeve and not letting the S&P share creep even higher would keep risk from silently re‑concentrating in a few usual suspects.
Dividends
- Avantis® International Small Cap Value ETF 3.00%
- Avantis® U.S. Small Cap Value ETF 1.80%
- Vanguard S&P 500 ETF 1.20%
- Vanguard International High Dividend Yield Index Fund ETF Shares 3.50%
- Weighted yield (per year) 2.13%
Yield at about 2.1% is decent but not “I live off my portfolio” territory, especially with this much equity risk. The international high‑dividend fund at 3.5% is clearly doing the heavy lifting, while the S&P dribbles out a modest 1.2%. Chasing dividends can feel comforting—money actually shows up!—but high yield often means slower growth or more risk under the hood. It’s like preferring a car because the fuel gauge moves slowly while ignoring that the engine’s ancient. Using dividends as a partial cash flow source is fine; just don’t imagine they make the portfolio safer. Focus more on total return and a sensible withdrawal plan than on forcing yield higher.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard S&P 500 ETF 0.03%
- Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
- Weighted costs total (per year) 0.14%
Costs are suspiciously reasonable, as if someone actually read a fact sheet on purpose. A total expense ratio around 0.14% is impressively low given the factor‑tilted Avantis funds sitting beside the dirt‑cheap Vanguard core. You’re basically paying pocket change for a more thoughtful design than a single plain index. That said, don’t let low fees justify overcomplicating things. Complexity is a cost too—mostly paid in confusion and overconfidence. If, down the line, the factor tilts stop earning their keep or become more trouble than they’re worth, simplifying into fewer funds while keeping costs low would be an easy cleanup move. For now, fees are not the villain in this story.
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.
Risk‑return efficiency here is pretty decent for an all‑equity setup, but it’s still obviously living well off to the “high risk” side of the efficient frontier. The efficient frontier is just the curve showing the best possible return for each level of risk; this portfolio sits in the “I accept chaos for growth” corner. The historical 15%+ returns make the trade‑off look brilliant, but that’s backward‑looking flattery. Given the drawdowns and equity concentration, you’re not getting some magical low‑risk high‑return combo—just a solid, aggressive equity mix. Shaving a bit of risk with even a modest non‑equity slice could move you closer to that frontier without gutting returns, especially if future markets are less generous than the backtest.
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