Balanced US tilted portfolio blending quality value small caps and an above average income focus

Report created on Apr 6, 2026

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

The portfolio holds seven ETFs with a clear tilt to US stocks and a modest bond sleeve. About 83% is in equities, mainly broad US large caps, small-cap value, quality dividend payers, and a growth-heavy Nasdaq fund. Around 17% sits in bonds, with a focus on high-yield and some short-term treasuries inside the Simplify fund. This mix lines up well with a “balanced but growth leaning” profile. The equity side has multiple distinct styles, which is healthy, while the bond slice adds income and some cushion. Overall, the structure is straightforward and easy to manage for a long-term, mostly buy-and-hold investor.

Growth Info

From late 2023 to March 2026, $1,000 grew to about $1,411, a compound annual growth rate (CAGR) of 15.84%. CAGR is like your average yearly “speed” over the whole trip, smoothing out bumps along the way. The portfolio slightly lagged both the US and global markets by less than 1% per year, while experiencing a milder max drawdown of -15.7% versus deeper dips for the benchmarks. That means you gave up a little bit of upside, but in exchange had somewhat smaller falls. For a balanced risk score, this tradeoff is actually pretty reasonable and suggests a solid risk-adjusted profile historically.

Projection Info

The Monte Carlo simulation projects 1,000 possible 15-year paths using historical volatility and correlations to estimate a range of outcomes. It’s like running the market’s past behavior through a thousand “what if” weather forecasts. The median outcome grows $1,000 to about $2,702, roughly 7.6% per year, with a wide band from around $1,141 to $6,526 in the most extreme 5–95% range. About three-quarters of simulations end positive. This illustrates both the power of compounding and the uncertainty involved. These are statistical projections, not promises; future returns could be higher or lower, especially if market conditions differ from the recent past used in the model.

Asset classes Info

  • Stocks
    83%
  • Bonds
    17%

Asset allocation is dominated by stocks at 83%, with 17% in bonds. For a “balanced” profile, that’s on the growthier side compared with more traditional 60/40 mixes, but still far from aggressive all-equity portfolios. The bond slice leans into higher-yielding credit rather than ultra-safe government bonds, which boosts income but can also move more with the economic cycle. This setup is well-suited to someone who prioritizes long-term growth and can handle some volatility, while still wanting a defined portion of the portfolio to generate steadier interest and soften equity drawdowns a bit.

Sectors Info

  • Technology
    22%
  • Financials
    13%
  • Industrials
    11%
  • Consumer Discretionary
    10%
  • Health Care
    8%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    4%
  • Real Estate
    4%
  • Utilities
    3%
  • Basic Materials
    3%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, the portfolio is led by technology at 22%, with meaningful allocations to financials, industrials, and consumer-related areas. The mix looks fairly broad rather than dominated by a single sector, which is good for diversification. Tech-heavy areas can be more volatile and sensitive to interest rates, but here they don’t overwhelm the portfolio. Defensive sectors like healthcare, staples, and utilities also have presence, helping balance growthier parts. Overall, this sector composition matches benchmark-style diversification quite well. That alignment is a positive sign, suggesting the portfolio is not making big, concentrated sector bets that could derail returns if a single industry stumbles.

Regions Info

  • North America
    80%
  • Europe Developed
    7%
  • Japan
    2%
  • Australasia
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 80% is in North America, with modest exposure to developed Europe, Japan, and Australasia. That’s more US-tilted than a typical global benchmark, where the US is big but not quite this dominant. A strong US bias has been rewarding over the last decade, but it ties results closely to one economy, one policy regime, and essentially one currency. The smaller allocations abroad provide some diversification, yet the portfolio’s fate is still mostly linked to US markets. For someone earning and spending in dollars, this home bias is not inherently bad, but it does mean less participation if other regions outperform.

Market capitalization Info

  • Mega-cap
    24%
  • Large-cap
    23%
  • Mid-cap
    20%
  • Small-cap
    14%
  • Micro-cap
    2%

This breakdown covers the equity portion of your portfolio only.

Market-cap exposure is well spread: roughly 24% mega-cap, 23% large-cap, 20% mid-cap, 14% small-cap, and a small slice in micro-caps. That’s more diversified by size than a typical cap-weighted index, largely thanks to the dedicated small-cap value ETF. Smaller companies tend to be more volatile but can offer higher long-term return potential and different drivers than mega-cap giants. This balanced size mix reduces dependence on any single group and can smooth performance across different market cycles. It also makes the portfolio less vulnerable to a regime where large growth names cool off while smaller or more overlooked companies catch up.

True holdings Info

  • NVIDIA Corporation
    3.46%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • WisdomTree Trust - WisdomTree U.S. Quality Shareholder Yield Fund
  • Apple Inc
    2.63%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Simplify Exchange Traded Funds - Simplify Short Term Treasury Futures Strategy ETF
    2.22%
    Part of fund(s):
    • Simplify Exchange Traded Funds
  • Microsoft Corporation
    1.95%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    1.44%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.21%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.02%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    1.02%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.02%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Tesla Inc
    0.92%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Top 10 total 16.90%

Looking through ETF top holdings, several mega-cap names show up repeatedly: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, and Tesla together form a meaningful chunk. These overlaps mainly come from the S&P 500 and Nasdaq 100 exposures. When the same company appears in multiple ETFs, it quietly increases concentration in those names, even if no single fund looks extreme. Here, the total exposure is noticeable but still moderate. It’s worth knowing that only top-10 ETF holdings are captured, so overlap is likely understated. The main takeaway: the portfolio does benefit when US mega-cap tech and growth leaders do well, and is somewhat more sensitive to their cycles than it may appear at first glance.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 91%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 91%
Quality
Preference for financially healthy companies
Neutral
Data availability: 91%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor exposure is broadly neutral across value, size, momentum, quality, and yield, with one notable tilt toward low volatility at 62%. Factors are basically characteristics like “cheapness,” “stability,” or “recent winners” that research shows explain long-term return patterns. A mild tilt to low volatility means holdings, on average, have historically had gentler price swings than the market. That can help during rocky periods, often limiting drawdowns, though it can lag in fast-rising, speculative markets. The near-neutral readings elsewhere indicate the portfolio isn’t making strong style bets, which keeps behavior closer to the broad market and avoids over-reliance on any single investment theme.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 27.00%
    29.7%
  • Vanguard Small-Cap Value Index Fund ETF Shares
    Weight: 17.00%
    21.2%
  • WisdomTree Trust - WisdomTree U.S. Quality Shareholder Yield Fund
    Weight: 17.00%
    18.2%
  • Invesco NASDAQ 100 ETF
    Weight: 11.00%
    14.6%
  • Fidelity Covington Trust
    Weight: 10.00%
    9.2%
  • Top 5 risk contribution 93.0%

Risk contribution shows how much each ETF drives total ups and downs, which can differ from simple weights. Here, the top three holdings—S&P 500, small-cap value, and the quality shareholder yield ETF—make up 61% of the weight but about 69% of the risk. The Nasdaq 100 adds another 14.6% of risk from just 11% weight, reflecting its higher volatility. This isn’t extreme concentration, but it’s clear that equity funds, especially small caps and growth tech, dominate portfolio risk. If someone wanted smoother rides, slightly dialing back the most aggressive risk contributors or pairing them with more stabilizing assets could help without changing the overall line-up.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Invesco NASDAQ 100 ETF
    High correlation

The S&P 500 ETF and the Nasdaq 100 ETF move almost identically, which the correlation data flags clearly. Correlation just means how often two investments move in the same direction at the same time. Highly correlated assets still diversify somewhat but don’t protect much during broad market selloffs. So, even though you own multiple equity funds, some of them are essentially different flavors of the same US large-cap growth engine. The bond holdings and any strategies tied to short-term treasuries are what really bring in different behavior. Understanding these linkages helps set realistic expectations for how much protection the portfolio might offer in a general equity downturn.

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.

On the risk–return chart, the current portfolio has a Sharpe ratio of 0.88, while the optimal mix of the same holdings improves that to 1.38 at slightly lower risk. The Sharpe ratio measures return per unit of volatility, like miles per gallon for your risk “fuel.” The analysis shows you’re about 3 percentage points below the efficient frontier at the current risk level. In plain terms, the ingredients are good, but the recipe could be tweaked. Simply reweighting the existing ETFs—without adding anything new—could deliver similar returns with meaningfully lower volatility, or potentially a better return for the same risk, according to the historical data used.

Dividends Info

  • Simplify Exchange Traded Funds 8.40%
  • Invesco NASDAQ 100 ETF 0.50%
  • SPDR Portfolio High Yield Bond 6.80%
  • Vanguard Small-Cap Value Index Fund ETF Shares 1.90%
  • Vanguard S&P 500 ETF 1.20%
  • WisdomTree Trust - WisdomTree U.S. Quality Shareholder Yield Fund 1.80%
  • Fidelity Covington Trust 3.00%
  • Weighted yield (per year) 2.68%

The total portfolio yield is around 2.68%, combining a mix of low-yield growth funds and higher-yield holdings. The standout income sources are the Simplify ETF at roughly 8.4% and the SPDR high-yield bond ETF at about 6.8%, while the Nasdaq 100 sits near 0.5% and broad US equity ETFs around 1–2%. Dividends can be an important part of total return and provide psychological comfort during flat markets, as cash keeps coming in even when prices move sideways. For someone not relying on income today, reinvesting those payouts can quietly boost compounding over time, especially from the higher-yielding slices.

Ongoing product costs Info

  • Simplify Exchange Traded Funds 0.26%
  • Invesco NASDAQ 100 ETF 0.15%
  • SPDR Portfolio High Yield Bond 0.05%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard S&P 500 ETF 0.03%
  • WisdomTree Trust - WisdomTree U.S. Quality Shareholder Yield Fund 0.12%
  • Fidelity Covington Trust 0.28%
  • Weighted costs total (per year) 0.11%

Costs are impressively low overall, with a blended ongoing fee (TER) of about 0.11%. Individual ETFs range from rock-bottom levels on the Vanguard funds to still-reasonable fees on more specialized strategies like Fidelity Covington and Simplify. Keeping fees low is one of the few things investors can fully control, and a 0.11% drag is well below what many actively managed portfolios incur. Over decades, even small cost differences compound into real money. This cost profile is a major strength: it means more of the underlying market return actually ends up in your pocket, supporting better long-term outcomes without needing to take extra risk.

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