A supposedly balanced portfolio that is actually an unapologetic global stock market roller coaster
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 setup fits someone who says “balanced” but clearly leans growth-oriented at heart. Think: comfortable with volatility in theory, occasionally questioning life choices during sharp drawdowns, but still willing to ride it out. Goals likely include long-term wealth building, not immediate income, with a multi-decade horizon and at least moderate risk tolerance. There’s also a hint of nerdiness—factor tilts like small cap value aren’t something casual dabblers randomly stumble into. Ideal for someone who can handle looking wrong for a few years, understands that equity-heavy means emotional turbulence, and values long-term compounding more than short-term comfort.
Positions
-
Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
Avantis® International Small Cap Value ETF
AVDV - US0250728021 10.00% -
Avantis® Emerging Markets Value ETF
AVES - US0250723725 10.00% -
Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00%
This thing calls itself “Balanced” but it’s basically 99% stocks in a fake mustache. The core is totally vanilla—S&P 500 plus total international—but then you’ve bolted on a trio of small cap value rocket boosters. Compared with a typical “balanced” benchmark that might hold 40–60% bonds, this is more like a growth junkie trying to sneak into the moderate-risk club. The structure is actually fairly clean and logical, but the label is lying to you. If the goal is real balance, dial in a proper chunk of lower-volatility assets rather than pretending 1% cash is “defensive.”
Growth
Historically, a 13.08% CAGR (Compound Annual Growth Rate) is spicy. If someone dropped $10,000 into this and left it alone for a decade, they’d be sitting near $34,000, while a classic 60/40 mix might be more like mid‑twenties instead of mid‑thirties. But that comes with a max drawdown of around -25%, which is the kind of drop that quietly ruins sleep and risk questionnaires. Past data is like last season’s weather: useful but not a prophecy. If this level of drop would trigger panic selling, then “balanced” is pure marketing, and volatility needs to be tamed, not admired.
Projection
Monte Carlo simulations are basically a financial “what if?” machine: they rerun history a thousand different ways to see possible futures. Your range from +77% (5th percentile) to about +649% (67th percentile) screams “mostly good outcomes, but brace for pain in the ugly ones.” An average simulated return of 14.42% is flattering, but simulations happily recycle the past like it’s a playlist, not acknowledging regime changes or your nerves. If the bad‑case 5th percentile would wreck your plans, future-proofing means baking in more resilience: adding true diversifiers, lengthening time horizon assumptions, and not believing the median line is guaranteed destiny.
Asset classes
- Stocks 99%
- Cash 1%
- Other 0%
- No data 0%
Asset classes here are basically: Stocks, Stocks, and… did I mention Stocks? With 99% in equities and 1% in cash, this is less a balanced portfolio and more a stock market cosplay pretending to be diversified. In real-world terms, this is like driving a sports car year-round and calling the windshield wipers your “winter gear.” Equities can be great for long-term growth, but they all tend to sag when the economy catches a cold. If genuine risk control matters, build in a meaningful slice of stabilizers—things that tend to zig when stocks collectively zag, not just a lonely sliver of cash.
Sectors
- Technology 23%
- Financials 18%
- Industrials 12%
- Consumer Discretionary 12%
- Telecommunications 7%
- Health Care 7%
- Basic Materials 6%
- Energy 5%
- Consumer Staples 4%
- Utilities 2%
- Real Estate 2%
Sector mix is basically “mostly market-like with a mild value nerd twist.” Tech at 23% is hefty but not insane; the S&P itself is a tech fanboy. Financials, industrials, and cyclicals are clearly juiced by the value tilt. That’s nice when value is in fashion, but brutal when everyone decides only shiny growth stories matter. Sector over-tilts are like having too many friends in the same industry—when it gets hit, everyone suffers together. Tighten the overall risk by checking that no single economic theme (like cyclicals tied to growth and rates) becomes the silent puppet master of your results.
Regions
- North America 63%
- Europe Developed 11%
- Asia Emerging 8%
- Asia Developed 6%
- Japan 6%
- Africa/Middle East 2%
- Australasia 2%
- Latin America 1%
- Europe Emerging 0%
Geographically, it’s “America first, but fine, the rest of the world can tag along.” About 63% in North America is very normal for a US-based investor, but you’ve actually done better than many home-bias addicts by giving decent space to developed ex-US and emerging markets. That said, the US dominates so heavily that if America sneezes, your portfolio still catches a cold. International exposure is not just a vibe; it’s insurance against one country’s politics, currency, and policy mistakes. Revisit whether this mix fits your belief: US forever king, or world economy actually matters in the next few decades.
Market capitalization
- Mega-cap 34%
- Large-cap 28%
- Mid-cap 21%
- Small-cap 11%
- Micro-cap 5%
Market cap spread is one of the more interesting parts: mega and big caps dominate, but 11% small and 5% micro is a deliberate “I like volatility with my coffee” choice. Small cap value is historically associated with higher expected returns but also higher drama—big swings, long boring underperformance stretches, and times when you’ll wonder if the factor is broken. This tilt can work nicely for long time horizons, but it’s not emotionally cheap. If this much small and micro exposure would tempt bailing after a rough couple of years, scaling back the extremes might save you from self-sabotage later.
Dividends
- Avantis® International Small Cap Value ETF 2.60%
- Avantis® Emerging Markets Value ETF 2.80%
- Avantis® U.S. Small Cap Value ETF 1.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.90%
- Weighted yield (per year) 1.81%
A 1.81% total yield is “meh but fine” territory—neither a dividend-chaser’s paradise nor a growth-only desert. The value funds and international ETF are quietly doing the heavy lifting; the S&P 500 is just here for the capital gains show. Dividends are nice for a bit of ballast and optional income, but relying on them as a safety cushion here would be delusional. This setup is designed for total return, not a comfy paycheck. If future income is a real goal, eventually shifting some allocation toward more reliable yield sources will matter more than hoping small cap value sprinkles cash like confetti.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® Emerging Markets Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.12%
Costs are one of the few areas where this portfolio isn’t trying to punk you. A total TER around 0.12% is solid, especially given the factor-tilted Avantis funds. The 0.25–0.36% range for those is the price of being fancy instead of just holding pure market trackers. You’re not getting fleeced; you’re paying for a more complex factor tilt without setting your wallet on fire. Still, every extra basis point needs to earn its keep over decades. Keep asking: “Is this tilt actually pulling its weight?” If not, cheaper broad-market exposure could quietly outperform over the long grind.
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.
On a risk–return efficiency scale, this portfolio is more “leaning hard into return” than “smartly balanced.” The risk score of 4/7 with almost all assets in equities is basically admitting the obvious: this is a growth engine sold under a friendlier label. The “efficient frontier” is just a fancy way of saying: for any return target, you don’t want to take dumb extra risk to get there. Here, you’re taking a lot of equity risk without any serious ballast. If the goal really is balanced, shifting along that frontier toward slightly lower return but drastically lower panic potential would be more rational.
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