A portfolio that loves playing it safe and boring with a sprinkle of random small-cap excitement
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 loves the thrill of the stock market but approaches it like a buffet—trying a bit of everything without understanding what they actually like. They're the type to wear a belt and suspenders, not out of style, but because they can't decide which is better. With a penchant for home-country bias and a flirtation with international and small-cap markets, they're adventurous yet cautious, wanting to explore but keeping one foot on familiar ground.
Positions
-
Vanguard S&P 500 ETF
VOO - US9229083632 40.00% -
Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.00% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
Avantis® International Small Cap Value ETF
AVDV - US0250728021 10.00% -
American Century ETF Trust - Avantis U.S. Large Cap Value ETF
AVLV - US0250723493 10.00%
Your portfolio composition screams "I want to be diversified, but I'm not sure how." With 40% in the Vanguard S&P 500 ETF, you're heavily leaning on the American dream, while the rest of your allocation dabbles in small-cap and international like a tourist trying foreign food but still looking for a McDonald's. This mix is like wearing a life jacket in a kiddie pool—not entirely necessary and slightly amusing.
Growth
Historically, your portfolio has chugged along with a CAGR of 10.55%, which isn't bad—it's like being the third-best player on a mediocre local soccer team. However, with a max drawdown of -23.23%, it's clear that your portfolio has faced some rough patches, likely sobbing in the corner during market tantrums. Those 10 days accounting for 90% of returns? That's like betting on rain in the desert: great when it happens, but don't hold your breath.
Projection
The Monte Carlo simulation, with its fancy 1,000 reruns of your financial future, suggests a median growth of 227.6%. That's like saying you might win the lottery, but more likely, you'll just find $20 on the street. The range from the 5th to the 67th percentile is a wild ride from modest gains to tripling your money, highlighting the unpredictable thrill of investing—or a reminder to not put all your eggs in one unpredictable basket.
Asset classes
- Stocks 99%
- Cash 1%
- Other 0%
- No data 0%
- Bonds 0%
With 99% in stocks and a lonely 1% in cash, your portfolio is like that friend who only talks about one topic. It's all-in on equity, leaving no room for bonds or other asset classes that could smooth out the ride. This approach is bold, akin to skateboarding without knee pads: fun until you hit a rough patch.
Sectors
- Financials 19%
- Technology 18%
- Industrials 14%
- Consumer Discretionary 13%
- Energy 7%
- Health Care 7%
- Telecommunications 7%
- Consumer Staples 6%
- Basic Materials 5%
- Utilities 2%
- Real Estate 2%
Your sector spread is like a buffet with too much finance and tech, risking indigestion if those areas hit a slump. With financial services and technology making up 37% of your portfolio, you're essentially betting big on Silicon Valley and Wall Street's love child. Diversifying sectors would be like adding vegetables to your diet: not always exciting, but healthier in the long run.
Regions
- North America 72%
- Europe Developed 12%
- Japan 6%
- Asia Emerging 3%
- Asia Developed 2%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
- Europe Emerging 0%
North America makes up 72% of your geographic allocation, which is like only exploring your backyard and calling it world travel. While you've dipped your toes into international waters with some developed and emerging markets, the heavy home bias could leave you vulnerable to regional downturns. Broadening your horizons could mean less risk of missing out on global growth stories.
Market capitalization
- Mega-cap 30%
- Large-cap 23%
- Mid-cap 19%
- Small-cap 15%
- Micro-cap 11%
Your cap-size allocation is a rollercoaster, from mega to micro, like trying to balance a diet on both salads and deep-fried candy bars. With substantial bets across the board, you're playing in every league. However, this scattergun approach might not be as strategic as focusing your efforts, potentially leading to a less coherent risk-return profile.
Dividends
- Avantis® International Small Cap Value ETF 3.80%
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF 1.60%
- Avantis® U.S. Small Cap Value ETF 1.70%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.92%
Your dividend yield strategy is like finding loose change in the couch—nice when it happens, but not a reliable income strategy. With an overall yield of 1.92%, it's clear dividends are an afterthought. Considering a more focused approach to income-generating assets could provide a steadier cash flow, rather than relying on the occasional windfall.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- American Century ETF Trust - Avantis U.S. Large Cap Value ETF 0.15%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.12%
Thankfully, your overall portfolio costs are low, at 0.12% TER, which is like finding a cheap, yet surprisingly good, coffee. It's one of the few areas where you're not overpaying for underperformance. Keep an eye on this as you tweak your portfolio; low costs are crucial for long-term growth, like watering a plant without drowning it.
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.
Your portfolio's risk-return optimization seems to have been done by throwing darts blindfolded. It's not the worst strategy we've seen, but it's far from efficient. The Efficient Frontier is like the holy grail of investing, and your portfolio is currently wandering in the desert. Consider rebalancing towards assets that offer the best return for the lowest risk—think of it as upgrading from a tricycle to a road bike.
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