Balanced and broad portfolio with a strong foundation in global equities and real estate

Report created on Sep 8, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is characterized by a significant allocation to equities, with 56% in a total stock market ETF and 16% in an international stock index, reflecting a strong foundation in global equities. The inclusion of a 10% allocation to a real estate investment trust (REIT) fund and another 10% in a treasury money market fund adds a layer of diversification and income potential. An 8% allocation to an emerging markets equity ETF further diversifies the portfolio geographically. The overall composition aligns with a balanced risk profile, aiming for growth while mitigating risk through diversification across asset classes and geographies.

Growth Info

The portfolio has demonstrated a compound annual growth rate (CAGR) of 11.67%, with a maximum drawdown of -32.87%. These figures suggest a resilient performance across various market conditions, with the potential for significant growth balanced by periods of notable volatility. The days contributing to 90% of returns highlight the impact of short-term gains on overall performance. Comparing this to benchmarks, the portfolio's historical performance indicates a strong ability to capitalize on market upswings while maintaining a level of stability during downturns.

Projection Info

Monte Carlo simulations, using historical data to project future outcomes, suggest a wide range of potential portfolio values. With 937 out of 1,000 simulations showing positive returns, the median projected growth is substantial. However, it's crucial to remember that these projections are not guarantees but rather a range of possible outcomes. The significant spread between the 5th and 67th percentiles underscores the inherent uncertainty in market performance, emphasizing the importance of maintaining a diversified and balanced portfolio to navigate future volatility.

Asset classes Info

  • Stocks
    89%
  • Cash
    1%

The portfolio's asset allocation is heavily weighted towards stocks (89%), with a small cash component (1%). This distribution underlines the portfolio's growth-oriented strategy, with the substantial equity exposure aimed at capitalizing on stock market gains. However, the relatively low cash allocation might limit flexibility in reallocating assets quickly in response to market changes. Balancing growth potential with liquidity is essential for managing risks and seizing opportunities as they arise.

Sectors Info

  • Technology
    22%
  • Financials
    13%
  • Real Estate
    12%
  • Consumer Discretionary
    9%
  • Industrials
    8%
  • Health Care
    7%
  • Telecommunications
    7%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%

Sector allocation reveals a strong emphasis on technology, financial services, and real estate, which are sectors known for their growth potential but also for their volatility. The diversified presence across industrials, healthcare, and consumer sectors helps balance the portfolio, mitigating sector-specific risks. However, the concentration in high-growth sectors like technology and financial services may expose the portfolio to higher volatility during market corrections or interest rate hikes.

Regions Info

  • North America
    67%
  • Asia Emerging
    7%
  • Europe Developed
    6%
  • Asia Developed
    3%
  • Japan
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Australasia
    1%

Geographically, the portfolio is heavily weighted towards North America (67%), with significant exposure to emerging markets in Asia (7%) and developed Europe (6%). This distribution reflects a solid base in more stable, developed markets while still capturing growth potential in emerging markets. However, the relatively low allocation to regions like Latin America and Africa/Middle East suggests potential opportunities for further diversification to mitigate geopolitical and currency risks.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    27%
  • Mid-cap
    19%
  • Small-cap
    6%
  • Micro-cap
    2%

The portfolio's exposure across market capitalizations—34% mega, 27% big, 19% medium, 6% small, and 2% micro—demonstrates a balanced approach, favoring large-cap companies known for their stability and potential for steady returns. However, the relatively smaller allocation to small and micro-cap stocks limits exposure to high-growth potential sectors, which could be pivotal in driving significant gains during bull markets.

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.

The portfolio's current allocation appears to be near the Efficient Frontier, suggesting an optimal balance between risk and return based on historical data. While this indicates a well-structured portfolio, it's important to remember that market conditions evolve, and what was optimal in the past may not be so in the future. Regularly reviewing and adjusting the portfolio to maintain this balance is crucial, especially considering potential shifts in market dynamics and personal investment goals.

Dividends Info

  • Schwab Emerging Markets Equity ETF 2.50%
  • VANGUARD REIT INDEX FUND ADMIRAL SHARES 2.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Treasury Money Market Fund 3.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.92%

The portfolio's dividend yield stands at an average of 1.92%, with individual assets ranging from 1.20% to 3.40%. This yield contributes to the portfolio's total return, providing a steady income stream in addition to potential capital gains. Given the balanced risk profile, this level of income generation supports the overall investment strategy by offering periodic cash flows, which can be reinvested or used as income, depending on the investor's needs.

Ongoing product costs Info

  • Schwab Emerging Markets Equity ETF 0.11%
  • VANGUARD REIT INDEX FUND ADMIRAL SHARES 0.13%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Treasury Money Market Fund 0.08%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

With a total expense ratio (TER) averaging 0.05%, the portfolio benefits from low-cost investments, enhancing long-term return potential by minimizing the drag on performance caused by fees. This cost efficiency is particularly advantageous in a diversified portfolio like this, where the cumulative impact of fees across multiple assets can significantly affect net returns. Keeping costs low is a critical component of maximizing the efficiency of investment returns.

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