A portfolio that's more vanilla than a scoop of ice cream on a hot summer day
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 tailor-made for the investor who likes their financial life as straightforward as their morning coffee—simple, no frills, and predictable. It's for someone who values stability over excitement, preferring the well-trodden path to the road less traveled. Their risk tolerance is moderate, aiming for steady growth without the sleepless nights. This investor is playing the long game, content with reliable gains and not swayed by the siren call of speculative investments.
Positions
-
Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 33.72% -
Vanguard Value Index Fund ETF Shares
VTV - US9229087443 33.33% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 32.95%
Diving into this portfolio is like finding out your Neapolitan ice cream is actually just three layers of vanilla. With a heavy reliance on just three ETFs, it's as if you decided to diversify by wearing different shades of beige. Sure, you've got large-cap growth, value, and international stocks covered, but it's the investment equivalent of saying you're adventurous because you once tried a different brand of water.
Growth
Historically, this portfolio's CAGR of 12.63% might have you strutting around like you've cracked the code to Wall Street. But let's temper that enthusiasm. With a max drawdown of nearly 34%, those returns come with the kind of volatility that could give even seasoned investors heart palpitations. Remember, past performance is like rearview mirror driving—it's not necessarily indicative of the road ahead.
Projection
Monte Carlo simulations might sound like a fancy method of predicting future performance, but it's essentially sophisticated guesswork. Your portfolio's future projections have a wide range, from a modest 44.8% to an eye-watering 566.1%. While these numbers might have you dreaming of yacht parties, remember, Monte Carlo is also known for its casinos—there's a lot of luck involved.
Asset classes
- Stocks 99%
- Cash 1%
- Other 0%
- No data 0%
With 99% in stocks and a token 1% in cash, this portfolio is like a diet consisting entirely of steak—rich and potentially rewarding but lacking in balance. While stocks have historically provided strong returns, they come with higher volatility. A sprinkle of bonds or real estate could have added some much-needed fiber to this financial diet.
Sectors
- Technology 24%
- Financials 18%
- Industrials 11%
- Health Care 10%
- Consumer Discretionary 9%
- Telecommunications 8%
- Consumer Staples 6%
- Energy 4%
- Basic Materials 4%
- Utilities 3%
- Real Estate 2%
Your sector allocation reads like a who's who of the stock market, with a heavy lean on technology and financial services. This is the investment equivalent of loading up on tech gadgets and bank accounts but forgetting about the rest of the economy. A little more variety wouldn't hurt, unless your goal is to ride the Silicon Valley roller coaster indefinitely.
Regions
- North America 69%
- Europe Developed 13%
- Asia Emerging 5%
- Japan 5%
- Asia Developed 3%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
- Europe Emerging 0%
With a 69% allocation to North America and a smattering across other regions, this portfolio screams "home bias." It's like traveling abroad but only eating at McDonald's. Expanding your geographic palate could introduce you to a world of opportunities, reducing your reliance on the performance of a single market.
Market capitalization
- Mega-cap 42%
- Large-cap 35%
- Mid-cap 20%
- Small-cap 2%
- Micro-cap 0%
Your portfolio's market cap breakdown shows a love affair with mega and big caps, which is like only watching blockbuster movies and ignoring indie films. While these companies offer stability, they often lack the growth potential of smaller counterparts. Mixing in more medium, small, or even micro caps could spice up your returns.
Dividends
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Value Index Fund ETF Shares 2.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.79%
Your portfolio's dividend yield strategy seems to be an afterthought, like remembering you have a backseat passenger after you've been solo road-tripping for hours. While growth is thrilling, dividends provide a steady income stream, smoothing out the ride. Don't underestimate the power of those quarterly checks.
Ongoing product costs
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Value Index Fund ETF Shares 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
On the bright side, your portfolio's total expense ratio (TER) is impressively low, like finding a luxury hotel at a budget price. This is one area where you're clearly winning, keeping more of your returns rather than handing them over to fund managers. Kudos for not letting fees eat away at your investments.
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.
When it comes to risk vs. return optimization, your portfolio is like a car that only turns right—you'll get somewhere, but it's not the most efficient route. Striving for the Efficient Frontier would mean better returns for the level of risk you're taking. Consider rebalancing to find a more optimal mix, rather than settling for the scenic route.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
