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Balanced and diversified portfolio with strong emphasis on growth and tax efficiency

Report created on Dec 2, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio showcases a strategic blend of equity ETFs and tax-exempt funds, with a dominant 90% allocation towards stocks, including a significant stake in the Vanguard Total Stock Market Index Fund ETF Shares. The inclusion of mid-cap, international, and emerging market ETFs enhances its diversification, while the tax-exempt funds offer a fiscal advantage, especially for investors in higher tax brackets. This composition aligns well with a balanced risk profile, aiming to capitalize on growth opportunities across a broad market spectrum while mitigating risk through geographic and sectoral diversification.

Growth Info

Historically, this portfolio has demonstrated a compound annual growth rate (CAGR) of 11.73%, with a maximum drawdown of -33.31%. This performance suggests resilience and the potential for strong returns over time, though the drawdown indicates vulnerability during market downturns. Days contributing to 90% of returns being limited to 29 suggests significant returns are concentrated on a few high-performing days, emphasizing the importance of staying invested through market cycles.

Projection Info

Monte Carlo simulations, using 1,000 iterations, project a wide range of outcomes with a median potential growth of 179.1%. This analysis, while based on historical data, underscores the inherent uncertainties in market movements but also highlights the portfolio's potential for substantial growth. The high number of simulations with positive returns (961) reinforces the portfolio's robustness, though investors should remain cautious, as simulated projections do not guarantee future performance.

Asset classes Info

  • Stocks
    90%
  • Bonds
    8%
  • Cash
    1%

The portfolio's asset allocation, with a heavy emphasis on stocks, is designed for growth. The 90% allocation to equities is balanced by a modest 8% in bonds and a minimal cash reserve, reflecting a balanced approach that leans towards growth. This mix supports long-term capital appreciation while offering some cushion against market volatility through the bond holdings.

Sectors Info

  • Technology
    23%
  • Financials
    15%
  • Industrials
    11%
  • Consumer Discretionary
    10%
  • Health Care
    7%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    3%

Sectoral allocation reveals a strong emphasis on technology and financial services, comprising nearly 40% of the portfolio. This concentration in high-growth areas can drive performance but also introduces sector-specific risks, such as volatility in tech stocks. Diversification across industrials, consumer cyclicals, and healthcare adds stability, though investors should monitor sector balances to mitigate concentration risk.

Regions Info

  • North America
    64%
  • No data
    8%
  • Asia Emerging
    8%
  • Europe Developed
    7%
  • Asia Developed
    5%
  • Japan
    5%
  • Africa/Middle East
    2%
  • Australasia
    1%
  • Latin America
    1%

Geographic distribution underscores a significant bias towards North American assets, constituting 64% of the portfolio. While this offers familiarity and stability, the underrepresentation of emerging markets and developed regions outside North America might limit exposure to global growth opportunities. Increasing allocations to underrepresented regions could enhance global diversification and potentially reduce geopolitical and regional economic risks.

Market capitalization Info

  • Mega-cap
    32%
  • Mid-cap
    29%
  • Large-cap
    24%
  • Small-cap
    4%
  • Micro-cap
    1%

The market capitalization mix, with a lean towards mega and medium-cap stocks, suggests a balance between stability and growth. Mega-cap stocks offer resilience and steady returns, while medium and big caps provide growth potential. The minimal exposure to small and micro-caps indicates a cautious approach to risk but may limit opportunities in high-growth segments of the market.

Redundant positions Info

  • Vanguard Mid-Cap Index Fund ETF Shares
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation between Vanguard Mid-Cap Index Fund ETF Shares and Vanguard Total Stock Market Index Fund ETF Shares suggests overlapping investments that may not contribute to diversification. Identifying and reducing such overlaps can enhance the portfolio's efficiency by ensuring each asset contributes uniquely to risk management and return potential.

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.

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Before considering broader diversification or strategic shifts, the portfolio could benefit from reducing redundancy among highly correlated assets. This optimization step would refine the portfolio's composition, ensuring each holding contributes uniquely to its risk-return profile. Such adjustments, while maintaining the portfolio's balanced approach, could enhance overall efficiency without significantly altering its fundamental character.

Dividends Info

  • VANGUARD LIMITED-TERM TAX-EXEMPT FUND ADMIRAL SHARES 2.50%
  • VANGUARD NEW YORK LONG-TERM TAX-EXEMPT FUND ADMIRAL SHARES 1.80%
  • Vanguard Mid-Cap Index Fund ETF Shares 1.50%
  • Vanguard FTSE Pacific Index Fund ETF Shares 2.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.80%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.72%

The portfolio's dividend yield stands at 1.72%, reflecting a balance between growth-oriented investments and income generation. While not the primary focus, dividends contribute to total returns and provide a passive income stream, which can be particularly beneficial in periods of market volatility or as part of a broader income strategy.

Ongoing product costs Info

  • VANGUARD LIMITED-TERM TAX-EXEMPT FUND ADMIRAL SHARES 0.09%
  • VANGUARD NEW YORK LONG-TERM TAX-EXEMPT FUND ADMIRAL SHARES 0.09%
  • Vanguard Mid-Cap Index Fund ETF Shares 0.04%
  • Vanguard FTSE Pacific Index Fund ETF Shares 0.08%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

With an overall expense ratio of 0.05%, the portfolio benefits from low costs, maximizing the potential for net returns over time. This efficiency is a testament to the selection of low-cost funds, a crucial factor in long-term investment success. Investors should continue prioritizing cost-effective investments to sustain portfolio performance.

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