The Wealth Builder

James Whitfield

41 · Operations & engineering manager · Melbourne · investing 11 years

Fictional demonstration investor — example data, read-only.

James has been investing for over a decade. He started with a few blue chips, added exchange-traded funds as his income grew, bought some US exposure on a colleague's tip, and kept the winners. Sixteen holdings later, he has a portfolio he's genuinely proud of — he just isn't sure what it all adds up to.

What James Whitfield thought

“I've got 16 investments across shares and ETFs — I assumed that made me well diversified.”

What James Whitfield owns

16 holdings

Portfolio value $562,887

Holding	Weight	Value
CBACommonwealth Bank	12.8%	$72,127
CSLCSL Limited	11.2%	$63,164
VASVanguard Australian Shares ETF	10.7%	$60,099
VGSVanguard MSCI Index International Shares ETF	9.7%	$54,499
IVViShares S&P 500 ETF	8.0%	$44,937
BHPBHP Group	7.6%	$43,009
NABNational Australia Bank	6.8%	$38,355
MQGMacquarie Group	5.7%	$32,170
WBCWestpac Banking	5.6%	$31,371
VHYVanguard Australian Shares High Yield ETF	4.3%	$24,094
WESWesfarmers	3.9%	$22,087
RIORio Tinto	3.8%	$21,360
WOWWoolworths Group	3.2%	$18,099
FMGFortescue Metals	2.4%	$13,414
TLSTelstra Group	2.3%	$12,667
VAPVanguard Australian Property Securities Index ETF	2.0%	$11,435

What James is really exposed to

35% of your portfolio moves with Interest rates.

You hold 16 investments, but you're really making about 2 big bets.

Your top 3 holdings are 35% of the portfolio.

The economic bets underneath

Interest rates35%moderate

via CBA, CSL, NAB

Australian banks33%moderate

via CBA, NAB, WBC

Currency (FX)19%low

via VGS, IVV, BHP

US & global equities17%low

via VGS, IVV, CSL

Iron ore16%moderate

via BHP, RIO, VAS

17.7% of the portfolio is offshore — mostly USD.

By the number of holdings, James looks diversified. No single stock dominates, and his three largest positions are only about a third of the portfolio.

But PortLens looks through the funds to the economic forces underneath. Several of his 'different' investments lean on the same things — the big Australian banks appear directly in his portfolio and again inside his index and high-yield ETFs, and his miners are echoed inside his broad-market fund.

The result: sixteen investments, but far fewer real bets than it looks. That isn't necessarily good or bad — but it's the kind of thing worth seeing clearly before you add the next holding.

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