A stock heavy portfolio cosplaying as balanced while hoarding cash like a nervous squirrel
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 they care about stability but secretly loves watching markets move fast. Risk tolerance looks medium-high: they can stomach a 30% hit without throwing everything in the trash. Goals likely center on long-term growth, maybe retirement or big future expenses, with a horizon of 10+ years so short-term chaos is tolerable. There’s a streak of practicality—low fees, broad index use—but also a comfort with US dominance and tech as main characters. It suits a patient investor who can avoid constant tinkering, doesn’t desperately need income, and understands that big upside comes with the emotional cost of sitting through occasional train-wreck months.
Positions
-
STATE STREET EQUITY 500 INDEX FUND CLASS K
SSSYX - US85749R1564 75.00% -
Fidelity Govt Cash Rsrvs
FDRXX - US3160671075 13.00% -
Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 6.00% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 6.00%
This setup is 75% S&P 500 plus a tech side quest and a tiny international cameo, all wrapped in a “Balanced” costume. Reality check: 87% in stocks is not what most people would call balanced; it’s a growth portfolio that got mislabeled on the way out of the factory. The 13% in a cash fund feels like someone panicked halfway through clicking “buy” and never came back. Think of it as a solid core that stopped one decision short of being thoughtfully designed. Tighten it by deciding what that 13% is actually for: dry powder, safety cushion, or just laziness tax.
Growth
Historically, a 14.23% CAGR (Compound Annual Growth Rate: think “average speed of your money over time”) is spicy. If $10,000 had been thrown in at the start, it’d have grown like a show-off compared with a typical 60/40 portfolio and roughly in line with a strong US equity run. But that -31.15% max drawdown is the hangover: that’s “open your account and quietly close it again” territory. Strong returns are great, but they came with real gut-punch volatility. Past data is like yesterday’s weather: useful vibe check, not a forecast. Anyone riding this needs to be cool with watching big swings and not slamming the eject button.
Projection
The Monte Carlo output basically says, “Most futures look good, but don’t get cocky.” Monte Carlo is just running thousands of fake timelines using past-like behavior to see a range of outcomes, not a crystal ball. A median outcome of around 410% and a 5th percentile at about 65% shows that usually things go well, but bad luck can still kneecap growth. An annualized simulated return of 13.68% is optimistic but plausible for an equity-heavy mix. The key lesson: this is a portfolio that can grow a lot but absolutely can hurt a lot too. Plan your withdrawals and time horizon like storms are guaranteed, not optional.
Asset classes
- Stocks 87%
- Cash 0%
- Other 0%
- No data 0%
“Balanced” here is doing a lot of marketing work. With 87% in stocks and effectively no bonds, this is closer to a classic equity portfolio with a weird cash hitchhiker. No real ballast, no steady bond income, just vibes and volatility. In a calm market, that’s fine; in a crash, everything leans the same way: down. For someone truly aiming for “balanced,” you’d normally see a beefier slice in lower-volatility assets to dampen drama. Clarify the job of the portfolio: if it’s long-term growth and you’re fine taking hits, cool. If it’s supposed to be smoother, you may want an actual stabilizer, not just a money market security blanket.
Sectors
- Technology 33%
- Financials 11%
- Consumer Discretionary 8%
- Telecommunications 8%
- Health Care 7%
- Industrials 7%
- Consumer Staples 4%
- Energy 3%
- Utilities 2%
- Real Estate 2%
- Basic Materials 2%
- Consumer Discretionary 1%
Sector-wise, this thing is a tech enthusiast with a slight diversification guilt complex. About a third in technology is basically saying, “I want the future, and I want it now.” The rest spreads decently across financials, consumer, healthcare, and the usual suspects, but tech clearly drives the car. That’s fine when tech is hot; it’s brutal when sentiment flips and everyone suddenly remembers valuations exist. Index exposure covers you broadly, but the added dedicated tech tilt doubles down on one theme. Ask whether this level of tech love matches your risk nerves. If not, dialing back the overemphasis could keep your account from being a hostage to one sector’s mood swings.
Regions
- North America 81%
- Europe Developed 3%
- Asia Emerging 1%
- Japan 1%
- Asia Developed 1%
- Australasia 0%
- Africa/Middle East 0%
- Latin America 0%
- Europe Emerging 0%
Geographically, this screams “America or bust” with 81% in North America and just a polite nod to the rest of the planet. The 6% in total international stock is basically a participation trophy, not a serious global strategy. US dominance has worked out well for the last decade-plus, but that’s like assuming your high school team will always be champions. International exposure can help when the US stumbles or when other regions actually outperform for a while, which does happen. Consider whether this home bias is intentional or just inertia from default options. If the goal is a more global footprint, this is only halfway to grown-up diversification.
Market capitalization
- Mega-cap 41%
- Large-cap 29%
- Mid-cap 15%
- Small-cap 2%
- Micro-cap 0%
Market cap allocation is textbook “just follow the big guys”: 41% mega, 29% big, and a token nod to medium and small. That’s basically the S&P 500 doing its thing, with almost no real tilt toward smaller companies that can boost returns but also crank up the drama. It’s safe in the sense that you’re mirroring how the market is already structured, but it’s also a bit lazy: no specific conviction beyond “largest companies are fine.” Nothing wrong with that, but don’t pretend this is some clever barbell or factor strategy. If you want extra diversification, more mid/small exposure could add different growth engines—along with more roller coaster.
Dividends
- Vanguard Information Technology Index Fund ETF Shares 0.40%
- Vanguard Total International Stock Index Fund ETF Shares 3.10%
- Weighted yield (per year) 0.21%
The dividend yield at about 0.21% is basically a rounding error. This is a growth-focused portfolio that clearly doesn’t care about income; it’s all about price appreciation. That’s fine if the goal is to build wealth and you’re reinvesting everything, but it’s terrible if you were hoping to live off cash flows anytime soon. Tech especially is notorious for low yields—they’re like teenagers: they’d rather spend on growth than pay you back. If income is a real need, this setup is miles off target. If income isn’t the point, just be aware that you’re betting heavily on markets staying friendly to growth stories over the long haul.
Ongoing product costs
- Fidelity Govt Cash Rsrvs 0.26%
- STATE STREET EQUITY 500 INDEX FUND CLASS K 0.02%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.06%
Costs are the one area where this portfolio looks like it actually read a personal finance book. A total expense ratio around 0.06% is impressively low—this is “you didn’t get ripped off, for once” territory. The State Street S&P 500 fund at 0.02% and the cheap Vanguard ETFs suggest at least one sensible decision was made on purpose. The cash fund at 0.26% is the only mildly eye-rolling part: paying that much to sit in cash-like holdings is… not ideal, but on 13% it doesn’t kill you. Overall, the fee drag is tiny, so at least you’re not donating performance to fancy brochures.
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 a risk–return basis, this portfolio is like someone who says they want “balanced” but orders hot wings with extra sauce. The return profile is strong, but the volatility and drawdowns are firmly in equity territory, not balanced territory. Efficient Frontier (fancy phrase for “best risk-reward combo”) thinking would probably nudge this toward either more diversification across asset types or drop the “balanced” label and own being growthy. You’re taking solid equity-level risk and getting proper equity-level returns, so it’s not a disaster, just misbranded. Fine-tune by deciding: either embrace the growth identity and optimize around that, or genuinely tone down risk if smoother is the real goal.
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