This portfolio has only about 1.6 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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Highly Diversified Cautious Portfolio with Strong Historic Performance and Moderate Costs

Report created on Jun 14, 2024

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio is composed of four ETFs with a heavy emphasis on stocks, specifically 90% in equities and 10% in physical gold. This mix indicates a cautious yet diversified approach, balancing growth potential with a safe haven asset. The high diversification score reflects a well-spread investment across various sectors and geographic regions, reducing the risk of significant losses from any single market downturn. To maintain this balance, periodic reviews are essential to ensure the allocation remains aligned with investment goals.

Growth Info

Historically, the portfolio has performed impressively with a CAGR of 16.83%, indicating strong growth over time. The maximum drawdown of -6.43% shows that while the portfolio has experienced some volatility, it has not suffered severe losses. The fact that 90% of returns are concentrated in just 15 days highlights the importance of staying invested to capture these key gains. This performance suggests a robust portfolio, but it’s crucial to remain aware of market conditions and adjust as needed.

Projection Info

Using a Monte Carlo simulation, which runs multiple scenarios to predict future performance, the portfolio shows a promising outlook. With a hypothetical initial investment, the 50th percentile projection is 936.48%, and the 5th percentile still shows a substantial return of 371.27%. This indicates a high likelihood of positive returns, with an annualized return of 18.8% across all simulations. While these projections are optimistic, they are based on historical data and assumptions, so actual future performance may vary.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

The portfolio is primarily invested in stocks (90%) with a smaller allocation to physical gold (10%). This blend offers growth potential from equities while gold provides a hedge against market volatility and inflation. The high equity percentage aligns with the cautious yet growth-oriented strategy. To further mitigate risk, consider periodically reviewing the allocation to ensure it remains appropriate for changing market conditions and personal financial goals.

Sectors Info

  • Technology
    29%
  • Financials
    12%
  • Consumer Discretionary
    10%
  • Telecommunications
    9%
  • Health Care
    8%
  • Industrials
    7%
  • Consumer Staples
    6%
  • Basic Materials
    3%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    1%

Sector-wise, the portfolio is well-diversified with significant exposure to Technology (28.66%), Financial Services (11.84%), and Consumer Cyclicals (10.37%). This diverse sector allocation helps spread risk and capitalizes on growth opportunities across different industries. However, the high concentration in technology could lead to increased volatility. Regularly reviewing sector performance and making adjustments as needed can help maintain a balanced risk profile.

Regions Info

  • North America
    52%
  • Asia Emerging
    12%
  • Asia Developed
    10%
  • Europe Developed
    8%
  • Japan
    3%
  • Latin America
    2%
  • Africa/Middle East
    2%
  • Australasia
    1%

Geographically, the portfolio has a strong focus on North America (51.55%), followed by Emerging Asia (11.77%) and Developed Asia (10.14%). This geographic spread provides exposure to both established and emerging markets, balancing stability with growth potential. The concentration in North America could be a risk if the region underperforms, so it's important to monitor global economic conditions and adjust the allocation if necessary to maintain diversification.

Ongoing product costs Info

  • Invesco EQQQ NASDAQ-100 UCITS ETF Acc 0.35%
  • Vanguard FTSE All-World UCITS ETF USD Accumulation 0.22%
  • Weighted costs total (per year) 0.18%

The portfolio's costs are moderate, with the Invesco EQQQ NASDAQ-100 UCITS ETF Acc at 0.35% and the Vanguard FTSE All-World UCITS ETF USD Accumulation at 0.22%. The total expense ratio (TER) of 0.18% is relatively low, helping to maximize net returns. Keeping investment costs low is crucial for long-term growth, so it's important to regularly review and compare fees to ensure they remain competitive.

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