This portfolio has only about 1.9 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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A high growth tilted balanced portfolio with strong US focus and impressive diversification scores

Report created on Dec 20, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification
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Positions

This portfolio is solidly anchored in broad stock index funds, with roughly three-fifths in a core US basket and additional exposure to international stocks and a small bond sleeve. That core structure looks very close to common balanced benchmarks but with a clear push toward growth. Having a large core keeps the portfolio simple to manage and helps performance track overall markets, while the smaller “satellite” positions add extra risk and return potential. This setup is well-structured and aligns closely with global standards. To keep it that way, it can help to review whether each small satellite holding truly adds something unique beyond the big core positions.

Growth Info

Using a simple example, imagine putting in $10,000 and seeing it grow at a Compound Annual Growth Rate (CAGR) of about 22.7%. CAGR is like your average yearly “speed” over a long road trip, smoothing out bumps. That level of growth is exceptionally strong versus most balanced benchmarks, while a maximum drawdown of around -18% suggests past drops have been meaningful but not extreme. This mix of high growth and moderate downside lines up nicely with a growth-tilted balanced profile. It’s worth remembering that past performance doesn’t guarantee future results, so future expectations should stay more conservative than this historical streak.

Projection Info

The Monte Carlo results here are eye‑popping, with a median projection in the thousands of percent and an average simulated return above 50% annually. Monte Carlo is a method that runs many “what if” scenarios using past data and volatility to estimate a range of possible futures, not a single prediction. These numbers are almost certainly overstating realistic long‑term returns, especially because the recent period for growth assets has been unusually strong. It can be more practical to treat these outputs as a rough risk‑range illustration rather than a target. For planning, using much lower long‑term return assumptions usually gives a more resilient financial plan.

Asset classes Info

  • Stocks
    92%
  • Bonds
    6%
  • Other
    1%
  • Cash
    1%

The portfolio holds about 92% in stocks, 6% in bonds, and a small slice in other and cash. This is much more equity‑heavy than a typical “balanced” mix, which often lands closer to 60–80% stocks, so it leans clearly toward growth rather than income or capital preservation. Stocks drive higher expected returns but also deeper and more frequent swings. The 6% bond allocation will smooth volatility a bit and offers a modest cushion in downturns, but it is not large enough to fully dampen big equity moves. If stability or near‑term withdrawals are important, it may help to gradually increase high‑quality bond exposure over time.

Sectors Info

  • Technology
    32%
  • Financials
    13%
  • Consumer Discretionary
    10%
  • Industrials
    9%
  • Telecommunications
    8%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is broad, with notable weight in technology, then solid representation from financials, consumer areas, industrials, and healthcare. That said, around one‑third in technology plus extra tilts via the NASDAQ and semiconductor ETFs add a clear growth and innovation bias. Tech‑heavy portfolios can shine in low‑rate, growth‑friendly environments but often feel sharper volatility when rates rise or sentiment flips away from high‑growth names. The sector composition still matches benchmark data reasonably well, which is a strong indicator of diversification. Periodically checking that the added tech‑tilt remains intentional—and fits your risk comfort—can help keep the portfolio aligned with your long‑term plan.

Regions Info

  • North America
    74%
  • Europe Developed
    8%
  • Japan
    4%
  • Asia Emerging
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, about three‑quarters of the portfolio is in North America, with the rest spread across developed and emerging markets. This US‑heavy tilt is very common for American investors and has been rewarding in the past decade as US markets outperformed many others. However, it also means results depend heavily on the health of one economy and one currency. The existing international allocations already improve diversification and align well with many global standards. If you ever want to reduce home‑country risk, gradually nudging more toward non‑US holdings—while keeping that broad index base—can further spread economic and political risk across the globe.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    31%
  • Mid-cap
    16%
  • Small-cap
    5%
  • Micro-cap
    2%

The mix across company sizes is mostly in mega and large firms, with meaningful mid‑cap and a noticeable small‑cap value tilt through the Avantis funds. Large and mega companies usually bring more stability and liquidity, similar to driving mostly on highways. Small‑cap and value tilts can boost long‑term return potential but may face longer, rougher patches of underperformance. This blend looks thoughtfully constructed and lines up with evidence‑based investing approaches that favor broad markets with a small boost toward smaller, cheaper companies. Keeping the tilt modest, as it is now, helps capture potential upside while avoiding over‑concentration in any single corner of the market.

Redundant positions Info

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

The portfolio is highly diversified overall, but the S&P 500 and NASDAQ 100 positions are strongly correlated—meaning they tend to move in the same direction at the same time. Correlation measures how closely assets travel together; when it’s high, adding more of a similar asset doesn’t reduce risk much. In downturns, highly correlated holdings can all fall together, limiting diversification benefits. The optimization notes correctly flag that overlapping exposures may not bring much extra diversification. It can be useful to decide whether the extra NASDAQ slice is a deliberate tilt toward certain companies or simply duplication that could be consolidated into the broader core.

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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Efficient Frontier analysis looks at all your current holdings and finds combinations with the best trade‑off between risk and return, based only on shifting weights, not adding new products. “Efficient” here means you get the highest expected return for a given level of volatility, not necessarily the most diversified or simplest portfolio. The analysis suggests there are allocations using your existing funds that could deliver higher expected returns at similar or slightly lower risk, especially if overlapping, highly correlated positions are trimmed. Treat these results as a guidepost rather than a rulebook, and balance any move toward “efficiency” with your comfort level and need for simplicity.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.10%
  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • Invesco NASDAQ 100 ETF 0.50%
  • VanEck Semiconductor ETF 0.30%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.55%

The total portfolio yield sits around 1.55%, coming from a mix of stock dividends and bond interest. Yield is simply the cash income you receive as a percentage of your investment, like rent from a property. Here, the emphasis is clearly on growth rather than income, which fits a long‑term, accumulation‑focused approach. The bond and international funds contribute meaningfully higher yields, while the tech‑heavy pieces and growth stocks pay very little. This income profile is well‑aligned with a growth‑oriented strategy. If future goals shift toward steady cash flow—like funding living expenses—it may make sense over time to modestly increase higher‑yielding, more stable holdings.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.07%

The average Total Expense Ratio (TER) of about 0.07% is impressively low, especially given the inclusion of a few higher‑cost specialist funds. TER is the annual fee charged by a fund, and keeping it low is like minimizing friction on an engine—small differences compound a lot over decades. Your core positions in broad index funds are particularly cost‑efficient, supporting better long‑term performance compared to many actively managed alternatives. The satellite funds do cost more but are still reasonably priced for their strategies. Periodic checks to ensure each higher‑fee holding delivers a unique, desired tilt can help keep overall costs lean without sacrificing your chosen exposures.

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