Confused overachiever portfolio mixing factor-nerd discipline with closet mega-cap fanboy behavior
Report created on Mar 26, 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 screams “patient chaos-tolerant optimizer.” It suits someone who actually likes the idea of tilting toward value and small caps, even knowing those can underperform for years and make them question their life choices. Risk tolerance has to be solid: full equity, factor-heavy, and willing to ride out deep drawdowns without panic-selling. Goals are likely long-horizon: retirement, multi-decade wealth building, or just stacking capital aggressively. This isn’t for someone who needs smooth returns or near-term liquidity; it’s for someone who enjoys the intellectual game, can stomach volatility, and doesn’t mind looking wrong for long stretches while quietly playing the odds.
Positions
-
Vanguard S&P 500 ETF
VOO - US9229083632 35.00% -
Avantis® International Small Cap Value ETF
AVDV - US0250728021 20.00% -
Vanguard Small-Cap Value Index Fund ETF Shares
VBR - US9229086114 18.00% -
Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 15.00% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 12.00%
This thing looks like it was built by two different people who never spoke to each other. On one side: chunky tilts to small-cap value and international small value, which screams “factor geek who reads papers.” On the other: big, plain-vanilla S&P 500 and a growth ETF stapled on top, as if someone panicked and said, “Fine, just buy the usual stuff too.” The result is a portfolio that’s technically diversified but kind of stylistically split-brained. The takeaway: it works, but it’s like wearing a suit jacket with gym shorts — not illegal, just visually confusing. A bit more intentionality in how the pieces fit would go a long way.
Growth
Performance-wise, this portfolio is that kid who aces the test despite studying the wrong chapter. A 15.16% CAGR since 2019 beats the global market and edges the US market, while stomping around with a max drawdown of -36.7% versus roughly -33% for the benchmarks. CAGR (compound annual growth rate) is basically your average speed over a bumpy road trip, and yours is solidly fast, but you hit some nasty potholes along the way. Ending at 2,340 from 1,000 is strong, but don’t get cocky — that path involved real pain. Past data is yesterday’s weather: useful to glance at, dumb to worship.
Projection
The Monte Carlo projection is wildly flattering, which should make you suspicious. Monte Carlo is just “what if history-ish returns happened in a thousand slightly different ways.” Median outcome: your 1,000 becomes about 6.5x in ten years. The 5th percentile still shows a positive 49% total return, which is polite but honestly feels almost too kind for a growth-ish, equity-heavy portfolio. Simulations are like financial fan fiction: grounded in reality, but still a story, not a guarantee. The message: future returns could be great, decent, or a lot uglier than this model suggests, especially if the factors you’re leaning into go out of favor for a long stretch.
Asset classes
- Stocks 99%
- Cash 1%
Asset-class “diversification” here is basically: stocks, more stocks, and a participation trophy 1% in cash. So yes, it’s pure growth profile, no secret safety net. That’s fine if the time horizon is long and you can handle watching values get chainsawed in bear markets. But let’s not pretend this is a balanced setup. If markets tank, there’s nowhere to hide; everything goes down together, just at slightly different speeds. The upside: you’re not diluting returns with random clutter. The downside: when the market throws a tantrum, you’re stuck in the room with it. Anyone using this kind of structure needs emotional, not just financial, risk tolerance.
Sectors
- Technology 23%
- Financials 14%
- Industrials 14%
- Consumer Discretionary 12%
- Health Care 8%
- Telecommunications 8%
- Basic Materials 7%
- Energy 5%
- Consumer Staples 4%
- Real Estate 3%
- Utilities 3%
Sector-wise, this is a fairly classic “modern equity investor” addiction: heavy tech plus its usual sidekicks. Tech leads the charge, with a strong supporting cast from financials, industrials, and consumer cyclicals. It’s not absurdly lopsided, but when tech sneezes, this portfolio will absolutely catch a cold. The more boring stuff like utilities, real estate, and consumer defensive barely show up, serving as background extras rather than stabilizers. Think of it as a cast of mostly action heroes with a couple of accountants in the corner. In a mania, this feels brilliant; in a crash, it feels like you forgot to invite anyone responsible to the party.
Regions
- North America 71%
- Europe Developed 12%
- Japan 8%
- Australasia 2%
- Asia Developed 2%
- Asia Emerging 2%
- Africa/Middle East 2%
Geographically, this is very “USA and friends,” with North America at 71% and the rest of the world fighting for scraps. Europe, Japan, and the rest of developed and emerging regions show up just enough to say “global,” but not enough to meaningfully drive the bus. So yes, it’s technically international, but functionally, it’s still very US-led. That worked brilliantly the past decade; it may or may not keep bailing you out going forward. Overreliance on one region means when that region stumbles, everything else is too small to matter. It’s like having a “team” where one player takes 70% of the shots.
Market capitalization
- Mega-cap 31%
- Mid-cap 26%
- Large-cap 20%
- Small-cap 19%
- Micro-cap 3%
The market-cap spread is one of the more interesting parts: you’ve got about a third in mega-caps, but a chunky combo in mid, big, and small, plus a tiny sprinkle of micro. This isn’t a timid index hug — there’s a real tilt toward smaller companies versus a standard broad market. That can juice long-term returns but also adds drama in downturns, since small caps tend to get kicked harder when things go south. It’s like mixing blue-chip corporations with scrappy bar-fight entrepreneurs. Not inherently bad, just volatile. Anyone running this mix needs to understand small caps can underperform for painfully long stretches without “being broken.”
True holdings
-
NVIDIA Corporation 4.25%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Apple Inc 3.75%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Microsoft Corporation 2.86%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Amazon.com Inc 2.00%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Alphabet Inc Class A 1.77%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Broadcom Inc 1.51%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Meta Platforms Inc. 1.50%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Alphabet Inc Class C 1.41%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Tesla Inc 1.29%Part of fund(s):
- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Eli Lilly and Company 0.92%Part of fund(s):
- Schwab U.S. Broad Market ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 21.28%
Under the hood, you’re pretending to be a disciplined factor investor while quietly hoarding the usual mega-cap celebrities. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla… it’s basically the “Magnificent Whatever-Number-We’re-On-Now” fan club hiding behind broad ETFs. Overlap is amplified by using both S&P 500 and a large-cap growth ETF, which means a lot of those same names are double-counted in spirit, if not in line items. Overlap data only uses top-10 ETF holdings, so the real duplication is probably worse. Translation: you think you own a thousand stocks; on bad days, your portfolio mood is set by fewer than twenty.
Factors
Your factor profile screams “value and size nerd who accidentally let some grown-up risk controls in.” Heavy exposure to value, size (smaller stocks), and low volatility means you’re leaning into cheaper, smaller, slightly calmer names — basically betting against the glamour kids. Factor exposure is like reading the ingredient label instead of the marketing; here the main flavors are value and small, not flashy growth. Momentum and quality aren’t dominant, so you’re not purely chasing what’s working or obsessing over pristine balance sheets. The mix should do well when value and small caps have their day, but will feel painfully dumb in long growth-led stretches. Which happen. A lot.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 35.00% 34.7% -
Vanguard Small-Cap Value Index Fund ETF Shares
Weight: 18.00% 20.5% -
Avantis® International Small Cap Value ETF
Weight: 20.00% 17.6% -
Schwab U.S. Large-Cap Growth ETF
Weight: 15.00% 16.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 12.00% 10.5%
Risk contribution exposes who’s actually rocking the boat, not just who looks big on paper. Your S&P 500 chunk, small-cap value, and international small value together drive nearly three-quarters of total risk. A couple of them punch slightly above their weight, especially the small-cap value sleeve. Risk contribution is basically “who’s causing the mood swings?” — and your small-cap tilt is definitely caffeinated. This isn’t catastrophic, but it means if those factor bets go cold, the portfolio’s volatility will feel both loud and specific. Periodically checking whether one sleeve is hogging risk and trimming it back can avoid learning about concentration the hard way.
Redundant positions
-
High correlationVanguard S&P 500 ETFSchwab U.S. Large-Cap Growth ETF
Correlation-wise, you’ve done the very human thing of buying multiple funds that mostly wiggle in sync. The S&P 500 ETF and the large-cap growth ETF are highly correlated, which is fancy math for “they party and crash together.” Correlation is just how similarly two investments move — if they both dive at the same time, your “diversification” is more cosmetic than functional. The international pieces and small caps help a bit, but the overall mix is still heavily tied to global growth risk and especially US large caps. When the tide goes out, a lot of this portfolio is standing on the same beach.
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 the risk–return chart, this portfolio sits on the efficient frontier, which means for its broad mix, it’s not being stupid — but it’s also not using its full potential. The efficient frontier is the curve showing the best return for each risk level using *only* your existing ingredients. Your Sharpe ratio (return per unit of risk) is fine at 0.67, but an alternative mix of the same stuff could hit 0.81, or at the same risk level earn meaningfully more. In plain English: you picked the right Lego set, but built a slightly lopsided spaceship. A reweighting session could turn it into something sharper without buying anything new.
Dividends
- Avantis® International Small Cap Value ETF 3.00%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Small-Cap Value Index Fund ETF Shares 1.90%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.00%
- Weighted yield (per year) 1.78%
Yield at 1.78% is basically “we’ll buy you a coffee, not a paycheck.” The value and international sleeves are doing most of the dividend lifting, while the growth and large-cap exposure just shrug and say, “We’re here for capital gains, not income.” Nothing wrong with that in a growth profile, but anyone dreaming of living off dividends alone here is in fan fiction territory. Dividends are a nice cushion, not a serious income engine in this setup. The upside: you’re not sacrificing total return just to chase high yield. The downside: don’t expect this thing to pay your bills unless the balance is very, very large.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.11%
Costs are almost suspiciously low at a 0.11% total TER. That’s “did you actually read the fee table?” territory. TER is the annual cut taken by the funds — like a small cover charge at the door — and here it’s barely noticeable. You’ve basically avoided the clown show of expensive active products while still doing fancy factor tilting. Dry truth: in a world where people happily burn 1%+ on fees, you’re keeping your money instead of donating it to fund managers’ car payments. So yeah, mild applause. Just don’t use cheap fees as an excuse to ignore everything else that could go wrong.
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