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A so called balanced portfolio that is secretly a stock junkie with a factor addiction

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 “balanced” to sound sensible but is secretly fine with an all‑equity roller coaster. It suggests a reasonably high risk tolerance, willingness to ride out ugly drawdowns, and a preference for long‑term growth over current income. The person behind this likely enjoys “smart tweaks” like value and small‑cap tilts, but still trusts broad markets more than stock‑picking heroics. Ideal time horizon is 10+ years, with no need to tap big chunks of this money in the near term. Emotionally, it suits someone who can watch a 20–30% drop without panic‑selling and who understands that higher return hopes come with very real gut‑check moments.

Positions

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    45.00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    15.00%
  • Avantis® International Small Cap Value ETF
    AVDV - US0250728021
    10.00%
  • Avantis® Emerging Markets Value ETF
    AVES - US0250723725
    10.00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    10.00%
  • Invesco S&P 500® Momentum ETF
    SPMO - US46138E3392
    10.00%

This thing calls itself “Balanced” but it’s basically 99% stocks in a trench coat pretending to be moderate. The core is plain vanilla S&P 500 plus total international, which is fine, then you’ve bolted on four spicy factor and momentum funds like an overcaffeinated quant. Compared with a typical balanced portfolio (think 60% stocks 40% bonds), this is closer to 100% pedal down. It’s diversified *within* stocks, sure, but not across different risk buckets. If the real goal is balance, add actual stabilizers like high‑quality bonds or cash-like assets; if the goal is growth, stop lying and classify it as aggressive so expectations match reality.

Growth Info

Historically, the portfolio has behaved like a show‑off that luckily didn’t crash the car—13.7% CAGR is strong. CAGR (Compound Annual Growth Rate) is just “your average yearly speed” on a trip, smoothing bumps. A max drawdown around ‑24% means at some point you watched a quarter of the value evaporate, which is tame *for* an all‑equity mix but ugly for something labeled “balanced.” A typical 60/40 might drop less in big crashes, even if long‑term returns are lower. Remember, past data is like yesterday’s weather: useful vibe check, not fortune‑telling. Still, if you want smoother rides, you’d need more true shock absorbers, not just more flavors of equity.

Projection Info

The Monte Carlo simulation basically rolled the dice 1,000 times on future returns and volatility using past patterns. Monte Carlo is like running 1,000 alternate universes: some great, some trash, then seeing the range. A 5th percentile of 92.2% means in the worst 5% of scenarios, you barely move or even lose a bit; the median around 504% is “yay, compounding,” and the 14.85% annualized across sims screams “optimistic.” But these sims assume the future rhymes with the past, which is generous. If risk is supposed to be moderate, these return assumptions are borderline fantasy. More boring assets would shrink the upside but also keep the floor from feeling like a trapdoor.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%
  • Other
    0%
  • No data
    0%

Asset classes: 99% stocks, 1% cash, 0% everything else. That’s not “balanced,” that’s “I don’t know her” to bonds and real estate. Asset classes are just big buckets—stocks, bonds, real assets—each reacting differently when the world catches fire. You’ve put almost all faith in one bucket. Great if the global equity engine keeps humming; less great in a decade where stocks just… don’t. If the plan truly needs smoother returns or shorter time horizons, sprinkle in bonds or other lower‑volatility stuff. If the horizon is very long and nerves are solid, fine—but then stop pretending this setup has training wheels.

Sectors Info

  • Technology
    24%
  • Financials
    18%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Telecommunications
    8%
  • Health Care
    7%
  • Basic Materials
    6%
  • Energy
    5%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Real Estate
    2%

Sector spread is actually not bad for a stock maximalist, but there are some loud tilts. Tech at 24% and financials at 18% means the economy you “own” is very sensitive to rates, innovation bubbles, and market mood swings. Sectors are like different industries at the party—if you mostly invited tech bros and bankers, don’t be shocked when they all freak out at the same macro headline. Compared to broad indexes, you’re in the same neighborhood but with slightly punchier cyclical exposure. If you want less drama, dial back reliance on sectors that all panic together and give more space to boring, defensive, and income‑oriented areas—those wallflowers help when the party gets ugly.

Regions Info

  • North America
    67%
  • Europe Developed
    10%
  • Asia Emerging
    7%
  • Asia Developed
    6%
  • Japan
    6%
  • Africa/Middle East
    2%
  • Australasia
    2%
  • Latin America
    1%
  • Europe Emerging
    0%

Geography-wise, it’s basically “America and some side quests.” Around 67% in North America, then smaller chunks in Europe, Japan, and emerging markets. That’s not outrageous—most global indexes are very US‑heavy—but you’re clearly betting the US continues to be the main character forever. Geographic allocation is about not letting one country’s political circus or economic slump own your life. You do earn a gold star (cardboard edition) for at least including emerging markets and developed ex‑US. If you really want global resilience, consider nudging more toward non‑US exposure over time so your fate isn’t tied quite so tightly to one economy and one currency.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    29%
  • Mid-cap
    20%
  • Small-cap
    10%
  • Micro-cap
    5%

Market cap mix is actually one of the more interesting parts: roughly a spread from mega to micro, with 15% in small/micro caps. That’s you saying, “I like volatility and surprises, please.” Small caps and micro caps are like scrappy startups—great upside, but they’re the first to get smacked when markets panic. Compared with a plain S&P 500‑only setup, you’ve consciously turned up the “spiciness” knob. That can boost long‑term returns if you survive the mood swings without bailing. If stomach or timeline is shorter than 10–15 years, consider dialing that small/micro exposure down; if not, at least accept this isn’t a chill, sleepy portfolio.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.60%
  • Avantis® Emerging Markets Value ETF 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.68%

Total yield is around 1.68%, so nobody’s retiring on this cash flow. That’s fine for a growth‑focused setup, but laughable if someone expects comfy income. Dividends are just companies sharing profits in cash instead of vibes; high yield can help in flat markets but isn’t magic. Here, the tilt toward value and international bumps yield a bit, but the overall package is clearly growth‑first. If the plan is reinvestment for decades, this is totally coherent. If near‑term withdrawals or income needs are a thing, more reliable payers or an allocation specifically designed for cash flow would help. Right now, it’s “accumulate and hope,” not “live off the portfolio.”

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%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.13%

Costs are the one area where this portfolio doesn’t embarrass itself. A total TER of about 0.13% is impressively low for something with multiple fancy factor funds. TER (Total Expense Ratio) is the annual “cover charge” you pay the fund managers. You’ve somehow managed to stack S&P 500, international, and niche tilts without lighting money on fee fire—congrats, you clicked the good ETFs instead of the overpriced dinosaurs. Still, every basis point matters over decades; if any of the tilts isn’t pulling its weight, slimming the lineup could shave costs even more. But overall, fees are not the villain here—they’re probably the most adult thing about this whole setup.

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 standpoint, this sits in an awkward middle: it takes close to full‑equity risk but claims to be “balanced.” The Efficient Frontier is just a nerdy way of asking: “For this level of risk, could you get a better return—or same return with less drama?” With almost zero stabilizing assets, you’re probably sitting *above* a typical balanced line on the risk axis without a corresponding upgrade in expected reward versus a simpler all‑world equity blend. If the true goal is efficiency, clarity is needed: either embrace “aggressive equity with factor tilts” and own the volatility, or actually introduce lower‑risk assets so the volatility matches the label on the box.

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