Balanced portfolio with a strong tilt towards dividends and large-cap US equities

Report created on Nov 3, 2025

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.

Positions

This portfolio has a significant allocation towards equity ETFs, with a notable focus on the US market, comprising 83% of the geographic allocation. The presence of dividend-focused ETFs suggests a strategy leaning towards income generation, complemented by growth through broad market exposure via the Vanguard S&P 500 ETF. The inclusion of a value fund and an international stock index fund indicates an attempt at diversification, though the portfolio remains heavily skewed towards North American equities.

Growth Info

The portfolio has demonstrated robust historical performance with a Compound Annual Growth Rate (CAGR) of 13.30% and a maximum drawdown of -19.81%. These figures suggest a favorable balance between risk and return, particularly given the portfolio's moderate risk classification. However, it's important to remember that past performance is not indicative of future results, and the days contributing most significantly to returns highlight the impact of short-term volatility.

Projection Info

Monte Carlo simulations, based on 1,000 iterations, project a wide range of outcomes, with the median scenario suggesting a potential 402.8% increase. While encouraging, these simulations rely on historical data and assumptions that may not capture future market conditions accurately. Thus, while useful for scenario planning, they should not be the sole basis for investment decisions.

Asset classes Info

  • Stocks
    88%
  • Cash
    2%

The portfolio's asset class distribution shows a heavy emphasis on stocks (88%), with a minimal cash reserve (2%). This allocation supports a growth-oriented strategy but may increase volatility. Diversifying further into other asset classes, such as bonds or real estate, could offer better risk-adjusted returns, especially in turbulent markets.

Sectors Info

  • Technology
    24%
  • Financials
    14%
  • Consumer Discretionary
    10%
  • Industrials
    9%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    7%
  • Energy
    5%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    1%

Sector allocation reveals a balanced mix, with technology and financial services being the most prominent. This sectoral distribution is reflective of the broader market but may expose the portfolio to sector-specific risks. Considering sectors with defensive characteristics, like utilities or consumer staples, could provide stability in down markets.

Regions Info

  • North America
    83%
  • Europe Developed
    3%
  • Asia Emerging
    1%
  • Japan
    1%
  • Asia Developed
    1%

The geographic concentration in North America (83%) underscores a home bias, potentially limiting exposure to international growth opportunities. Expanding into developed European or emerging Asian markets could enhance diversification and capture growth outside of the US.

Market capitalization Info

  • Large-cap
    40%
  • Mega-cap
    30%
  • Mid-cap
    17%
  • Small-cap
    1%

The portfolio's market capitalization exposure is predominantly in big (40%) and mega-cap (30%) companies, suggesting a conservative approach favoring established businesses. Including more mid-cap stocks could introduce growth potential, albeit with increased risk.

Redundant positions Info

  • Vanguard Value Index Fund ETF Shares
    Schwab U.S. Dividend Equity ETF
    High correlation

The high correlation between the Vanguard Value Index Fund ETF Shares and the Schwab U.S. Dividend Equity ETF indicates redundancy, reducing the portfolio's diversification efficiency. Identifying and reducing overlapping holdings can enhance the portfolio's ability to withstand market fluctuations.

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.

Click on the colored dots to explore allocations.

Optimizing the portfolio using the Efficient Frontier could improve the risk-return profile by adjusting asset allocations without necessarily increasing risk. This process involves re-evaluating the necessity of highly correlated assets and potentially diversifying further across asset classes and geographies.

Dividends Info

  • Amplify CWP Enhanced Dividend Income ETF 4.60%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Schwab Value Advantage Money Fund 3.80%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Value Index Fund ETF Shares 2.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 2.40%

The portfolio's average dividend yield of 2.40% contributes to its income generation strategy. While dividends provide a steady income stream, focusing too heavily on dividend-yielding assets can limit growth potential. Balancing yield with growth opportunities is crucial for long-term wealth accumulation.

Ongoing product costs Info

  • Amplify CWP Enhanced Dividend Income ETF 0.56%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.12%

With a total expense ratio (TER) averaging 0.12%, the portfolio is cost-efficient, minimizing the impact of fees on returns. Continuously monitoring and controlling costs remains vital, as even small fee reductions can significantly enhance long-term performance.

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