Too much US stocks and tech leaning with a token long bond lifeline and cash nap
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 suits someone who prefers low cost passive investing but has a clear growth tilt and high tolerance for volatility. They likely want long term capital appreciation, accept large swings, and aren’t expecting regular income. Personality traits include patience mixed with a taste for the large cap comfort of household name stocks and a bit of tech optimism. Time horizon is long term decades not years and risk tolerance sits above average hence the high equity share. They value simplicity and cheap ETFs but might benefit from a touch more intentional risk management.
Positions
-
Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 55.00% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 35.00% -
Vanguard Long-Term Treasury Index Fund ETF Shares
VGLT - US92206C8477 10.00%
Observation What stands out is a blunt 55/35/10 split that reads like a stock lover’s shopping list with a single bond on standby. It’s labeled highly diversified yet is dominated by a single market exposure and a long bond that behaves nothing like a typical ballast. Education Diversification isn’t just number of funds it’s how differently those funds behave under stress. Holding a total domestic market ETF and a broad international ETF gives apparent breadth but still leaves you vulnerable to global equity shocks. Recommendation Trim the illusion of diversification: add different bond durations and alternative return drivers or tilt allocations so the portfolio’s parts actually reduce each other’s risk.
Growth
Observation The headline CAGR of 11.87% looks great until you notice a max drawdown of -30.53% and 33 days produce 90% of returns. Education CAGR, or Compound Annual Growth Rate, is the steady speedometer of returns like averaging your speed over a crazy road trip; it smooths volatility. Max drawdown shows the worst fall from peak to trough and those 33 days mean a handful of big moves drove almost all gains. Past performance is like yesterday’s weather — useful but not prophetic. Recommendation Assume volatility will bite again. Stress test with realistic withdrawal scenarios and rebalance discipline so one dramatic rally or crash doesn’t overly sway long term goals.
Projection
Observation The Monte Carlo run shows a median end value of 189.2% and a 5th percentile annual return of 3.4% which says outcomes are broadly positive but the tail matters. Education Monte Carlo simulation runs many hypothetical market paths to estimate possible futures but relies on return distributions and correlations that may not hold. It’s useful for gauging concentration of outcomes and worst case probabilities but not a crystal ball. Recommendation Use the simulation results to decide if the 5th percentile outcome is tolerable for your goals. If not, increase downside protection via higher bond mix or hedging and rerun scenarios.
Asset classes
- Stocks 89%
- Bonds 10%
- Cash 1%
- Other 0%
- No data 0%
Observation Asset allocation is stark: 89% equities 10% bonds 1% cash. That’s basically an equity portfolio with a thin bond band aid. Education Having almost 90% in stocks means big upside but also big psychological and realized losses in downturns; bonds should act like shock absorbers not decorative trims. Recommendation Reassess the bond sleeve composition and overall allocation to match risk tolerance and timing of withdrawals. If safety matters, boost fixed income and diversify its types otherwise expect wild swings and the temptation to sell at bad times.
Sectors
- Technology 24%
- Financials 15%
- Industrials 10%
- Consumer Discretionary 9%
- Health Care 8%
- Telecommunications 7%
- Consumer Staples 5%
- Basic Materials 3%
- Energy 3%
- Utilities 2%
- Real Estate 2%
Observation Sector weights scream growth bias: Technology 24% Financial Services 15% Industrials 10% and then a scatter of smaller sectors. Technology addiction detected. Education Sector tilts amplify cyclical and event risks — think regulatory hits, sentiment swings or a bad earnings season that makes your portfolio feel like a casino. Recommendation If the goal is steady long term growth cap sector drift via periodic rebalancing or add funds that smooth sector exposure. If you want a sector bet, make it intentional and sized like a trade not the backbone of the plan.
Regions
- North America 58%
- Europe Developed 13%
- Asia Emerging 6%
- Japan 5%
- Asia Developed 4%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
- Europe Emerging 0%
Observation Geography shows 58% North America with modest Europe and tiny emerging market exposure. In plain English it’s America or bust with polite foreign side dishes. Education Home bias is common but risky: different regions perform at different times and missing emerging markets or broader developed exposure reduces potential diversification benefits. Recommendation Consider increasing non North American exposure or targeted emerging allocation if the investor can tolerate volatility. Also decide on currency exposure strategy because swings can meaningfully affect returns.
Market capitalization
- Mega-cap 39%
- Large-cap 27%
- Mid-cap 16%
- Small-cap 5%
- Micro-cap 1%
Observation Market cap breakdown favors mega and large caps with 66% combined and only 5% small caps. That’s comfort zone investing—big steady names over scrappy growth. Education Mega caps bring stability and liquidity but can lag in high growth phases where mid and small caps shine. Small caps are more volatile but can lift returns over long horizons. Recommendation If chasing higher expected returns accept more volatility and tilt into mid and small caps gradually. Otherwise keep the large cap bias but realize you’re sacrificing some return potential for steadiness.
Dividends
- Vanguard Long-Term Treasury Index Fund ETF Shares 4.40%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.99%
Observation Dividend yield sits at about 1.99% overall with the long treasury showing a 4.40% yield and stocks much lower. This is not an income portfolio it’s a growth portfolio with a treasury coupon as a side hustle. Education Dividends provide steady cash flow but yield alone doesn’t guarantee total return; high bond yields can mask duration risk which can hammer prices if rates rise. Recommendation If income is a goal shift allocation towards yield producing assets or ladder bonds. If growth is the aim keep reinvesting dividends and don’t fetishize yield over balance and diversification.
Ongoing product costs
- Vanguard Long-Term Treasury Index Fund ETF Shares 0.04%
- 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) 0.04%
Observation Fees are impressively low Total TER 0.04% so someone chose the right cheap ETFs and resisted flashy active products. Education TER, or Total Expense Ratio, is the annual fee you pay for owning the fund — think of it as the dinner tab for someone managing your money. Low fees compound enormously over decades. Recommendation Keep costs low and resist fee creep but watch for hidden costs like trading spreads, tax inefficiency in taxable accounts, and the psychological cost of overtrading which can erode returns faster than a few basis points of fees.
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.
Observation The portfolio’s risk score of 4 out of 7 and Monte Carlo annualized return of 9.13% suggest moderate risk moderate return but it’s not tuned for efficiency; there’s likely room to squeeze out better risk adjusted returns. Education The Efficient Frontier is the set of portfolios that offer the highest expected return for a given level of risk — imagine finding the best car for speed while still being able to stop safely. Recommendation Run a mean variance check or use target risk funds to find a portfolio closer to the frontier. Consider changing bond duration, adding diversifiers, or reweighting equities to improve the return per unit of risk.
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