A supposedly balanced portfolio that is actually 99 percent stock pretending to be chill
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 “I’m long term” and for once actually means it. High tolerance for swings a focus on growth over comfort and a willingness to let markets do their thing for a decade or more are written all over this. It suits a patient investor who doesn’t need to tap the money soon and isn’t obsessed with monthly statements. There’s a slightly optimistic streak here trusting global capitalism to keep compounding. But there’s also a blind spot around downside protection suggesting a personality that handles abstract risk well until the numbers get painfully real in a nasty bear market.
Positions
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Vanguard Total Stock Market Index Fund Admiral Shares
VTSAX - US9229087286 80.00% -
VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
VTIAX - US9219098186 20.00%
This setup is the investing equivalent of saying “I eat healthy” while living on protein shakes. Two funds total US stock market at 80% and total international at 20% is ultra-simple and actually quite sensible but calling this “balanced” is comedy. Balanced usually means mixing stocks with bonds so crashes hurt less this is basically a 100% equity rocket. Simplicity is good fewer moving parts fewer dumb mistakes but the risk label is clearly sugarcoated. If the goal is true balance add some defensive ballast like bonds or cash-like assets otherwise stop pretending and mentally file this under “aggressive long-term stock portfolio.”
Growth
Historically this thing has been a beast. A 13.88% CAGR means $10k turned into around $36k over ten years-ish which is a great ride. CAGR is just your average yearly speed over a long chaotic trip. The catch max drawdown of –34.7% means at some point that $10k felt like $6.5k and that hurts in real life. Compared with a classic 60/40 mix this likely outperformed but with more gut-punch moments. Past data is yesterday’s weather though helpful not psychic. If staying this stock-heavy make peace with big temporary hits and plan ahead emotionally so you don’t bail at the worst time.
Projection
The Monte Carlo numbers basically say “Most futures look good but don’t get cocky.” Monte Carlo simulations run thousands of what-if paths by shaking returns and volatility like dice. Median outcome of 370% means $10k could land around $47k while the gloomy 5th percentile at 66.4% turns $10k into about $16.6k — still up but barely party-worthy. And 991 out of 1,000 positive paths sounds amazing until you remember the model is built from the past decade which was unusually kind to US stocks. Simulations are like practice fire drills useful but the real fire never follows the script.
Asset classes
- Stocks 99%
- Cash 1%
- Other 0%
- Not Classified 0%
Asset classes here are basically “stocks and a polite rounding error of cash.” With 99% in equities this doesn’t know what “balanced” means it just waved at bonds from a distance. In good times that’s fantastic your money works overtime. When markets tank it means you’re strapped to the front of the roller coaster not sitting safely in the middle. Traditional mixes use bonds as shock absorbers so drops are milder and recovery feels less like crawling out of a crater. If stability or shorter-term goals matter consider actually introducing a bond slice instead of relying on sheer optimism as your risk management tool.
Sectors
- Technology 27%
- Financials 16%
- Consumer Discretionary 11%
- Industrials 10%
- Health Care 10%
- Telecommunications 8%
- Consumer Staples 6%
- Energy 3%
- Basic Materials 3%
- Real Estate 3%
- Utilities 3%
Sector-wise this is essentially the market’s default personality: tech-heavy with everything else sprinkled in. About 27% in technology gives you a “tech addiction lite” not 2021 crypto insanity but still leaning on growth darlings. Financials consumer cyclicals and industrials round it out so at least this isn’t a one-trick pony. But when the economy slows tech and cyclicals can both wobble together and suddenly that nice diversification feels more like everyone slipping on the same banana peel. Since you’re using broad index funds you can’t fine-tune sectors much but you can sanity-check your expectations: this is built to swing with the global economy not glide smoothly through recessions.
Regions
- North America 81%
- Europe Developed 8%
- Asia Emerging 3%
- Japan 3%
- Asia Developed 2%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 0%
- Europe Emerging 0%
Geographically this is “America first second and third with a few stamps in the passport.” North America at 81% is basically a love letter to the US market with Europe Japan and bits of Asia invited as supportive side characters. That’s actually close to global market weights but it does mean your future is tightly tied to US corporate fortunes. When the US shines you look brilliant when it lags you’re dragged with it. The good news you’re not completely ignoring the rest of the planet like many home-biased setups. If you want more balance bumping international slightly higher could reduce the “USA or bust” theme over the long haul.
Market capitalization
- Mega-cap 42%
- Large-cap 31%
- Mid-cap 19%
- Small-cap 6%
- Micro-cap 2%
Market cap spread here is textbook index: 42% mega 31% large 19% mid 6% small 2% micro. In other words you’ve married the giants and are casually dating everyone else. Mega and large caps dominate so your portfolio behaves like the big-name index headlines you see in the news. That’s fine but don’t kid yourself that a 6% small-cap position makes this some edgy contrarian bet. Smaller caps can juice returns over very long periods but they also throw bigger tantrums during downturns. This is a big-company-centric portfolio with a seasoning of smaller names not a true “size tilt” strategy.
Dividends
- VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 2.00%
- Vanguard Total Stock Market Index Fund Admiral Shares 1.10%
- Weighted yield (per year) 1.28%
Dividend yield around 1.28% is basically a tiny snack not a paycheck. The international side tries harder at 2% while US total market shrugs at 1.1%. If someone is dreaming of living off income from this setup in the near term they’re in for a rude awakening and probably a side hustle. Dividends can be nice but obsessing over them at this yield level makes no sense the real engine here is price growth not cash flow. For accumulation this is fine reinvest and move on. For income you’d eventually need either a much larger portfolio or a structure focused more intentionally on payout stability.
Ongoing product costs
- VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 0.09%
- Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
- Weighted costs total (per year) 0.05%
Costs are where this setup accidentally wins an award. A total TER of 0.05% is so low it’s basically financial daylight robbery in your favor. Expense ratio is just the annual fee skimmed by the fund and at this level you’re paying couch-cushion money while many investors are still donating 1%+ to “advice” and shiny brochures. Over decades that difference is massive like losing a bedroom off your retirement house. There’s not much to fix here other than not screwing it up by adding overpriced toys later. Treat this expense level as the standard now not a temporary miracle.
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.
From a risk–return efficiency angle this is like flooring a Tesla on a wet road powerful but not exactly cautious. Efficient in finance just means best trade-off between risk and reward for a given volatility level. You’ve gone almost all-in on return potential with minimal effort to soften the blows. Great if the horizon is long and nerves are strong not great if there are big withdrawals or major life goals in the next 5–10 years. A classic efficient frontier mix would blend in assets that reduce volatility without murdering returns. If the sleep-quality score ever drops consider sliding a portion into safer ballast rather than pretending willpower is a risk-control tool.
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