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A growth heavy portfolio pretending to be balanced while quietly mainlining global equity risk

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 would suit someone who says “balanced” to sound responsible but deep down is a growth junkie with a long time horizon. They can tolerate volatility, roll their eyes at short-term news, and believe in global capitalism doing its chaotic thing. They’re comfortable with small-cap and value tilts, maybe even enjoy checking factor charts for fun. The main risk is overconfidence: assuming past double-digit returns are a birthright and underestimating how a real 40% drawdown actually feels. Time horizon is likely 10+ years, maybe much longer, with goals like wealth building, early retirement, or just maximizing future optionality rather than near-term income.

Positions

  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    35.00%
  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    30.00%
  • VANGUARD LIFESTRATEGY GROWTH FUND INVESTOR SHARES
    VASGX - US9219095034
    15.00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    10.00%
  • Avantis® International Small Cap Value ETF
    AVDV - US0250728021
    6.00%
  • Avantis® Emerging Markets Value ETF
    AVES - US0250723725
    4.00%

This thing calls itself “balanced” but it’s basically a global stock junkie with a token bond sidekick. You’ve got broad US and international index funds (nice), then you randomly shove in a LifeStrategy Growth fund that already holds those same indexes plus bonds, and then layer a bunch of small-cap value spice on top. That LifeStrategy position is basically a “fund of the stuff you already own,” so you’re double-dipping like it’s a Super Bowl party. Cleaning this up into a clear core (total US + total international) and a modest value tilt would make the whole structure more honest, easier to track, and less like an accidental Frankenstein.

Growth Info

Historically, a roughly 12% CAGR (Compound Annual Growth Rate) with a -25% max drawdown is solid, borderline brag-worthy. CAGR is like your average road-trip speed after traffic, snacks, and wrong turns. Versus a classic 60/40 portfolio, this feels closer to an 80/20 in behavior: better in bull markets, punchier in downturns. But here’s the catch: those 15 days that made up 90% of returns basically scream “miss a handful of big days and your story changes fast.” Past data is yesterday’s weather — useful, but it won’t apologize when the next storm looks totally different.

Projection Info

The Monte Carlo results are flashing “mostly fine” with a side of “don’t get cocky.” Monte Carlo is just a fancy way of rolling the market dice 1,000 times to see how often you end up rich versus mildly disappointed. A 5th percentile outcome of 66% means in ugly worlds you might just crawl forward, while median and upper outcomes look very rosy. The 13% simulated annual return is generous; markets rarely care about your spreadsheet. Future returns could be lower, inflation more annoying, or crises more frequent. Treat simulations as weather forecasts, not promises carved into your retirement plan.

Asset classes Info

  • Stocks
    96%
  • Bonds
    3%
  • Cash
    1%
  • Other
    0%
  • No data
    0%
  • Not Classified
    0%

Asset class mix: 96% stocks, 3% bonds, 1% cash. For something labeled “Balanced,” this is like ordering a salad and getting a burger with one lettuce leaf. You are unapologetically in the growth camp, which is fine if the time horizon is long and you don’t emotionally combust at a 30–40% drop. Bonds here are essentially decorative, not actually cushioning much. If a smoother ride really matters, bond exposure needs to be a serious chunk, not a rounding error. Decide if you want real downside dampening or if this “balanced” label is just there to make statements look less scary.

Sectors Info

  • Technology
    20%
  • Financials
    19%
  • Industrials
    13%
  • Consumer Discretionary
    10%
  • Health Care
    8%
  • Telecommunications
    7%
  • Basic Materials
    6%
  • Energy
    5%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Real Estate
    2%
  • Consumer Discretionary
    2%

Sector spread is actually pretty reasonable but still very equity-party-esque: tech at ~20%, financials at ~19%, then industrials and cyclicals following. Nothing screams “obsession with one shiny toy,” which is good — no full-blown “Tech cult” situation. However, this is still a pure economic-growth bet: lots of business-cycle-sensitive areas, modest defensive stuff like utilities and consumer defensive. In hard recessions, this setup tends to catch more of the downside. If you care about weathering bad years without doom-scrolling every night, gently nudging a bit more toward defensive or income-oriented exposure would give some emotional padding.

Regions Info

  • North America
    53%
  • Europe Developed
    18%
  • Asia Emerging
    8%
  • Japan
    8%
  • Asia Developed
    7%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%
  • Europe Emerging
    0%

Geographically, this is “America first but not America only,” which, for once, is surprisingly sane. Around 53% North America with meaningful doses of Europe, Japan, developed Asia, and emerging markets. This actually looks more globally aware than most US portfolios that pretend the rest of the world is a rounding error. The roast: you get full global pain when the world sells off, but you won’t win any purity awards from either “US-only” maximalists or “all-EM or bust” zealots. That’s fine. Just be mentally ready for foreign stocks to underperform US for multi-year stretches without panicking and bailing.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    25%
  • Mid-cap
    19%
  • Small-cap
    11%
  • Micro-cap
    6%

Market cap mix — 35% mega, 25% big, then a solid chunk in mid, small, and even micro caps — tells me you like market efficiency with a side of chaos. The Avantis small-cap value positions are the rowdy cousins at the family reunion: long-term they can boost returns, but they also show up drunk to every downturn. Small and micro caps can drop harder and take longer to recover. If you’re going to lean this hard into the size/value tilts, you need the stomach and the time horizon to leave them alone during multi-year stretches of underperformance, not “fix” them at exactly the wrong time.

Redundant positions Info

  • VANGUARD LIFESTRATEGY GROWTH FUND INVESTOR SHARES
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The correlation issue is pretty on-the-nose: your LifeStrategy Growth fund is highly correlated with your total US market fund because — surprise — it holds a big chunk of the same underlying stuff. Correlation just means things move together; if two positions scream and cheer at the same time, they’re not really giving you variety, just duplicate emotions. That fund is basically layering a small bond position and global equity on top of what you already own directly. If you want actual diversification, focus on fewer overlapping funds and clearer roles: core equity, core bonds, and then intentional tilts instead of low-key copies.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.70%
  • Avantis® Emerging Markets Value ETF 2.90%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • VANGUARD LIFESTRATEGY GROWTH FUND INVESTOR SHARES 5.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 2.62%

A total yield around 2.6% is “nice but not life-changing.” It’s like getting free coffee refills — useful, but you’re not retiring on it. The LifeStrategy Growth fund with a 5.7% yield is a bit of a red flag for anyone tempted to chase payouts; high yield often means more bond exposure or underlying price drag. Dividends are just one way companies hand you your own money back, not magic income. If the plan is long-term growth, obsessing over yield is unnecessary. Think of dividends as a side-effect of your strategy, not the main event driving how you pick holdings.

Ongoing product costs Info

  • 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 LIFESTRATEGY GROWTH FUND INVESTOR SHARES 0.14%
  • 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) 0.11%

On costs, you actually didn’t screw it up — Total TER of 0.11% is impressively low. The Vanguard pieces are practically free; the Avantis funds are pricier but still reasonable given they’re doing more than blind indexing. This is one area where the portfolio behaves like it read a personal finance book instead of Reddit threads. The only mild dig: if you’re going to pay up for factor tilts (like small-cap value), make sure you’re intentionally using them, not just layering complexity because it feels fancy. Overall though, fees are under control — you must have clicked the right tickers on purpose.

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 an efficiency angle, the numbers are blunt: for the same risk level, there’s a theoretical setup with higher expected return. That’s what the “efficient frontier” is — the best trade-off line between risk and return, like the sweet spot between ordering cheap junk and overpriced fine dining. Right now you’re slightly off that line, mainly because of overlapping holdings and half-committed bond exposure. You’re paying in complexity for not much extra benefit. Trimming redundant funds, clarifying how much risk you actually want, and aligning the bond allocation with that would move this closer to a cleaner, sharper risk–return mix.

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