Portfolio Analysis: Reddit - WeddingCommercial732

Created: Jul 25, 2022 Nominal Value: $100,000


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Model
  • EQUITY
2

HOLDINGS ACROSS 1
ASSET CLASS
VTI
Vanguard Total Stock Market ETF
US EQUITY
PASSIVE MGMT.
3 BP
60.0%
VUG
Vanguard Growth ETF
US EQUITY
RULES-BASED MGMT.
4 BP
40.0%
Benchmark
  • EQUITY
1

HOLDING ACROSS 1
ASSET CLASS
ITOT
iShares Core S&P Total U.S. Stock Market ETF
US EQUITY
PASSIVE MGMT.
3 BP
100.0%
Model

  • PASSIVE
  • RULES-BASED
3 bp

WEIGHTED AVERAGE EXPENSE RATIO
COST COMPETITIVENESS
Benchmark

  • PASSIVE
3 bp

WEIGHTED AVERAGE EXPENSE RATIO
COST COMPETITIVENESS
Relative Performance
Annualized Returns
1YR 2YR 3YR 5YR 7YR 10YR Incep
Model 20.0% 28.8% 27.0% 16.1% 15.3% 16.0% 15.5%
Benchmark 16.3% 25.7% 23.9% 15.6% 13.5% 14.6% 14.4 %
Annualized Volatility
1YR 2YR 3YR 5YR 7YR 10YR Incep
Model 14.5% 13.8% 14.6% 17.3% 18.7% 16.4% 15.2%
Benchmark 13.8% 13.1% 14.0% 16.2% 17.8% 15.8% 14.6%
Regression Analysis
1YR 2YR 3YR 5YR 7YR 10YR Incep
Beta 1.03 1.03 1.03 1.05 1.03 1.03 1.03
R-squared (%) 96.4 96.2 95.7 97.1 97.8 97.8 97.8
Alpha (%) 0.2 0.2 0.2 0.0 0.1 0.1 0.1
Information ratio 4.65 4.03 3.57 0.64 2.14 1.93 1.72
Sector Allocation
Sector Model Benchmark
Communications 11.1% 9.2%
Discretionary 11.8% 10.2%
Staples 3.4% 4.6%
Energy 1.9% 2.9%
Financials 10.3% 13.3%
Health Care 7.8% 9.6%
Industrials 7.2% 8.7%
Materials 1.4% 1.9%
Real Estate 1.8% 2.2%
Technology 40.5% 32.8%
Utilities 1.8% 2.6%
Difference (Model minus Benchmark allocation)
Country Exposure (Model)
  UNITED STATES 97.3%
  IRELAND 0.9%
  BRITAIN 0.3%
  SWITZERLAND 0.1%
  CANADA 0.1%
  BERMUDA 0.1%
  PUERTO RICO 0.0%
  CAYMAN ISLANDS 0.0%
  LUXEMBOURG 0.0%
   0.0%
(Benchmark)
  UNITED STATES 95.6%
  IRELAND 1.2%
  BRITAIN 0.6%
  SWITZERLAND 0.2%
  BERMUDA 0.1%
  NETHERLANDS 0.1%
  SOUTH KOREA 0.1%
  SINGAPORE 0.0%
  PUERTO RICO 0.0%
  CAYMAN ISLANDS 0.0%
Valuation Metrics
PRICE-TO-
EARNINGS
25.1x
22.1x
13%
PRICE-TO-
CASH FLOW
15.3x
13.1x
16%
PRICE-TO-
GROWTH
2.0x
2.3x
-11%
PRICE-TO-
SALES
3.8x
2.9x
31%
PRICE-TO-
BOOK VALUE
4.8x
3.8x
27%
DIVIDEND
YIELD
0.8%
1.1%
-31%
MODEL     BENCHMARK     PREMIUM/DISCOUNT
SALES
$25K
2025E SALES
6.3%
CAGR
$33K
2025E SALES
5.4%
CAGR
NET MARGINS
DIVIDENDS
$781
2025E DIVIDENDS
0.3%
CAGR
$1,110
2025E DIVIDENDS
1.3%
CAGR
EARNINGS
$3,564
2025E EARNINGS
11.7%
CAGR
$4,067
2025E EARNINGS
9.7%
CAGR
RETURN ON EQUITY
BOOK VALUE
$18K
2025E BOOK VALUE
9.0%
CAGR
$24K
2025E BOOK VALUE
7.3%
CAGR
MODEL     BENCHMARK
KEY OVERLAP METRICS
80%
OVERLAP
BY WEIGHT
2,220
# OF OVERLAPPING HOLDINGS
2,916
# OF UNIQUE HOLDINGS
76%
% ALSO IN BENCHMARK
2,256
# OF UNIQUE HOLDINGS
98%
% ALSO IN MODEL
TOP OVERLAPPING HOLDINGS
NVIDIA CORP 6.7%
MICROSOFT CORP 5.9%
APPLE INC 5.9%
AMAZON.COM INC 3.3%
META PLATFORMS INC 2.5%
BROADCOM INC. 2.4%
ALPHABET INC. CLASS A 2.2%
TESLA MOTORS INC 1.9%
ALPHABET INC. CLASS C 1.8%
ELI LILLY & CO 0.9%
TOP OVERWEIGHTS
APPLE INC 2.2%
MICROSOFT CORP 2.1%
NVIDIA CORP 2.0%
AMAZON.COM INC 1.1%
BROADCOM INC. 1.0%
ALPHABET INC. CLASS A 0.8%
META PLATFORMS INC 0.7%
TESLA MOTORS INC 0.7%
ALPHABET INC. CLASS C 0.6%
ELI LILLY & CO 0.4%
TOP UNDERWEIGHTS
BERKSHIRE HATHAWAY INC-CL B -0.6%
JPMORGAN CHASE & CO -0.6%
EXXON MOBIL CORP -0.3%
ORACLE CORP -0.3%
WAL-MART STORES INC -0.3%
JOHNSON & JOHNSON -0.3%
HOME DEPOT INC -0.2%
BANK OF AMERICA CORP -0.2%
ABBVIE INC -0.2%
PROCTER & GAMBLE CO/THE -0.2%
OVERLAP MATRIX
Overlap between Equity ETFs within the Model side of the Portfolio (%)
Complete list
Model
Company
Click company names for source-ETF details		 Weight # of
ETFs
    NVIDIA CORP 8.7% 2
    APPLE INC 8.1% 2
    MICROSOFT CORP 8.0% 2
    AMAZON.COM INC 4.4% 2
    BROADCOM INC. 3.4% 2
    META PLATFORMS INC 3.2% 2
    ALPHABET INC. CLASS A 3.0% 2
    TESLA MOTORS INC 2.6% 2
    ALPHABET INC. CLASS C 2.4% 2
    ELI LILLY & CO 1.3% 2
Benchmark
Company
Click company names for source-ETF details		 Weight # of
ETFs
    NVIDIA CORP 6.7% 1
    MICROSOFT CORP 5.9% 1
    APPLE INC 5.9% 1
    AMAZON.COM INC 3.3% 1
    META PLATFORMS INC 2.5% 1
    BROADCOM INC. 2.4% 1
    ALPHABET INC. CLASS A 2.2% 1
    TESLA MOTORS INC 1.9% 1
    ALPHABET INC. CLASS C 1.8% 1
    BERKSHIRE HATHAWAY INC-CL B 1.4% 1
MODEL     BENCHMARK
ESTIMATED INCOME
$747
EST. INCOME
0.7%
YIELD
$1,080
EST. INCOME
1.1%
YIELD
CALCULATION OF ESTIMATED INCOME
Model Benchmark
Dividends (equities) $781 $1,110
Interest (bonds) $0 $0
Other $0 $0
LESS: Expenses $34 $30
ALTAR SCORE™ (ETFRC RATING)
MODEL
4.5%
BENCHMARK
4.8%
Note: More information here.
 
BREAKDOWN OF ALTAR SCORE
Model Wgt (%) Benchmark Wgt (%)
Equity funds 4.5% (100) 4.8% (100)
Fixed income funds 0.0% (0) 0.0% (0)
Non-covered funds 0.0% (0) 0.0% (0)