A love letter to US equities with a side of bond garnish and tech flavor
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.
What type of investor this portfolio is suitable for
Balanced Investors
This portfolio is perfect for someone who loves a good thrill ride and is okay with a few bumps along the way. It suggests a person with a high risk tolerance, a deep faith in the American market, and a penchant for the familiar over the exotic. They're the financial equivalent of a person who orders the same dish at their favorite restaurant every time: it's satisfying, but they might be missing out on some hidden gems.
Positions
-
Vanguard S&P 500 ETF
VOO - US9229083632 40.00% -
Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.00% -
Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 20.00% -
Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
Vanguard Long-Term Treasury Index Fund ETF Shares
VGLT - US92206C8477 10.00%
Your portfolio screams "I love the USA more than apple pie and baseball combined," with a whopping 90% in stocks and a heavy lean on tech and large caps. It's like you walked into the investment buffet and only filled your plate with the comfort foods you recognized, ignoring the international cuisine section entirely. Diversification isn't just a fancy word; it's the safety net that stops your financial future from doing a high-wire act without a net.
Growth
With a CAGR of 13.27%, your portfolio has had a good run, like a sitcom that's surprisingly still funny in its fifth season. But remember, those numbers are like binge-watching your favorite show: past performance is no guarantee of future laughs—or gains. The -23.65% max drawdown is a stark reminder that even the best portfolios can have bad days, weeks, or months. It's all fun and games until the market decides to test your risk tolerance.
Projection
Monte Carlo simulations are like playing out a million different investment universes to see where your portfolio might end up. Your 50th percentile outcome looks rosy, but remember, the simulation assumes markets behave in the future like they have in the past. Given your heavy stock allocation, a market downturn could turn your portfolio projections from a dream vacation into a staycation. Diversifying more could help smooth out those bumps.
Asset classes
- Stocks 90%
- Bonds 10%
- Cash 0%
You've got 90% of your eggs in the stock basket and a tentative toe in the bond waters with 10%. This allocation is like wearing a raincoat in a hurricane—somewhat helpful, but you're still going to get soaked if things turn bad. A little more balance might not dampen your returns too much and could give you a sturdier umbrella against market storms.
Sectors
- Technology 27%
- Consumer Discretionary 11%
- Financials 10%
- Telecommunications 8%
- Health Care 8%
- Consumer Staples 8%
- Industrials 7%
- Energy 7%
- Basic Materials 2%
- Utilities 1%
- Real Estate 1%
Your sector allocation has a tech-heavy tilt, which isn't surprising given the NASDAQ's presence in your portfolio. It's like you've got a tech startup's risk appetite without the ping pong tables and free snacks. Remember, sector concentration can lead to volatility. It's thrilling when tech stocks soar, but remember, what goes up with the speed of a rocket can come down with the grace of a rock.
Regions
- North America 89%
- Europe Developed 1%
- Latin America 0%
- Asia Emerging 0%
- Asia Developed 0%
- Africa/Middle East 0%
With 89% of your portfolio waving the American flag, you're missing out on global opportunities. It's as if you've decided to vacation only in your backyard. Sure, it's comfortable and familiar, but there's a whole world out there. Emerging markets can be like the spicy food of investing: intimidating at first, but they can add some zest to your portfolio's performance.
Market capitalization
- Large-cap 32%
- Mega-cap 30%
- Mid-cap 16%
- Small-cap 7%
- Micro-cap 5%
Your portfolio leans heavily towards big and mega caps, making it look like you trust the old guard more than the up-and-comers. It's a bit like preferring classic rock to anything that's come out in the last decade—safe, but potentially missing out on the next big hit. Including more small and micro caps could be like adding a few indie tracks to your playlist: a bit risky, but potentially rewarding.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.60%
- Invesco NASDAQ 100 ETF 0.50%
- Schwab U.S. Dividend Equity ETF 3.70%
- Vanguard Long-Term Treasury Index Fund ETF Shares 4.40%
- Vanguard S&P 500 ETF 1.20%
- Weighted yield (per year) 1.92%
Your dividend yield strategy is like a conservative radio station: it plays the classics without much risk. While dividends provide a steady income, they're not the only tune to play for growth. Balancing high-yield stocks with growth-oriented investments could turn your portfolio from a one-hit-wonder to a chart-topping album.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard Long-Term Treasury Index Fund ETF Shares 0.04%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.08%
On the bright side, your total expense ratio (TER) is impressively low, like finding a designer dress at a thrift store price. It's one of the few places where being cheap pays off. Keep squeezing those fees like they owe you money, but don't let cost be the only factor. Sometimes, paying a bit more for quality (or diversification) can be worth the investment.
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.
Your portfolio's risk-return profile is like a diet that's all carbs and no protein—it might feel good in the short term, but it's not balanced for long-term health. Exploring the Efficient Frontier could show you how to get more bang (return) for your buck (risk). Think of it as financial meal planning for a healthier portfolio.
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