A growth tilted diversified portfolio with strong historical returns and meaningful exposure to real assets

Report created on Jan 31, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio is built mainly around broad stock index funds, with meaningful tilts to small-cap value, one large single stock, plus smaller sleeves in commodities, cash-like instruments, real estate, bitcoin, and a bullish dollar fund. Compared with a typical balanced benchmark, this mix is noticeably more equity-heavy and more growth-oriented, with relatively little in traditional bonds. That structure has higher long-term return potential but also more bumpiness along the way. To keep risk in check, it can help to decide on a clear target split between growth assets and stabilizers, then adjust the shares in cash-like and defensive holdings if volatility ever starts to feel uncomfortable.

Growth Info

Historically, this mix delivered a very high compound annual growth rate (CAGR) of about 24.8%, meaning a hypothetical 10,000 dollars grew like a car averaging very fast speed over a long trip. The maximum drawdown of around -18.8% suggests that, while losses have occurred, they’ve been milder than many equity-heavy portfolios in rough markets. Only 19 days made up 90% of total returns, which shows that missing a few strong days could dramatically change outcomes. Past numbers here are excellent, and that’s worth celebrating, but they can’t be relied on to repeat, especially with concentrated bets and newer assets in the mix.

Projection Info

The Monte Carlo analysis runs 1,000 simulated futures by remixing historical return and volatility patterns to estimate a range of possible outcomes. It shows a median (50th percentile) end value above 1,500% of the starting amount, with even the 5th percentile still more than doubling. The average simulated annual return sits around 25%, and almost all runs were positive. That’s an encouraging signal, but simulations are only rough weather models: they assume that markets behave broadly like they did in the past. Real-world shocks, policy changes, or structural shifts can cause actual results to land outside this neat range.

Asset classes Info

  • Stocks
    84%
  • Cash
    8%
  • Bonds
    3%
  • Other
    2%
  • Real Estate
    2%

Across asset classes, stocks dominate at 84%, with about 8% in cash-like instruments, 3% in bonds, 2% in real estate, and 2% in other alternatives. Compared with a classic “balanced” mix, this leans harder into equities and less into traditional fixed income, which boosts growth potential but also links outcomes more tightly to stock market cycles. The diversified slice into real estate, commodities, and other exposures adds useful variety, especially during inflation or currency swings. This allocation is well-balanced across different growth and inflation hedging tools, but anyone wanting smoother ride quality could consider nudging more into bonds or short-duration instruments over time.

Sectors Info

  • Technology
    27%
  • Financials
    13%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Health Care
    6%
  • Telecommunications
    5%
  • Basic Materials
    5%
  • Energy
    4%
  • Real Estate
    4%
  • Consumer Staples
    3%
  • Utilities
    2%

Sector exposure is broad, with notable weights in technology, financials, industrials, and consumer segments, and smaller but meaningful positions in healthcare, communication services, materials, energy, real estate, defensive stocks, and utilities. The overall sector mix roughly resembles broad market benchmarks, which is a strong indicator of healthy diversification. The standout nuance is the extra tech exposure from the large NVIDIA position layered on top of the market-wide tech tilt. Tech-heavy allocations can shine in innovation-driven bull markets but may feel rough if interest rates jump or growth expectations cool suddenly. Keeping this single-stock tilt intentional and within a personal comfort band is key.

Regions Info

  • North America
    64%
  • Europe Developed
    10%
  • Japan
    6%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Australasia
    2%
  • Africa/Middle East
    1%

Geographically, about two-thirds of the portfolio sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, small slices of emerging Asia, Australasia, and a little in Africa and the Middle East. That home-country tilt is common for a U.S.-based investor and has helped in recent years as U.S. markets outperformed many peers. At the same time, international exposure here is large enough to matter, especially through small-cap value and broad ex-U.S. holdings, which adds useful diversification. This allocation aligns well with global standards, though some might still fine-tune the U.S.–international split based on their views on currency and growth.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    17%
  • Mid-cap
    17%
  • Small-cap
    12%
  • Micro-cap
    6%
  • No data
    3%

By market capitalization, around a third of the portfolio is in mega-cap stocks, with solid chunks in large and mid caps, and a meaningful tilt toward small and micro caps. This blend is more size-diversified than a typical broad index, thanks to the targeted small-cap value positions. Historically, smaller and cheaper companies have sometimes offered higher returns but with more volatility and longer dry spells. The current mix nicely balances dominant global leaders with riskier but potentially higher-return smaller names. Anyone preferring a smoother ride might consider moderating the small/micro tilt, while long-horizon investors often find this extra size diversification attractive.

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 a risk–return basis, this portfolio looks positioned near an efficient frontier built from its current building blocks. The “Efficient Frontier” is simply the curve that shows the best possible trade-off between risk and return for a given set of assets, assuming only their weights change. Within this menu, slightly reducing concentrated positions or dialing the balance between equities and stabilizers could move it even closer to the most “efficient” mix, meaning more expected return for the same risk, or the same return with less volatility. Efficiency here is purely about the mathematical risk–return ratio, not about personal preferences or tax or ethical goals.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.50%
  • Direxion Auspice Broad Commodity Strategy ETF 2.90%
  • iShares® 0-3 Month Treasury Bond ETF 4.10%
  • WisdomTree Bloomberg U.S. Dollar Bullish Fund 3.90%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • The Real Estate Select Sector SPDR Fund 3.40%
  • Weighted yield (per year) 1.77%

The portfolio’s overall dividend yield sits around 1.77%, coming from a mix of broad equity funds, small-cap value ETFs, a REIT-focused fund, commodities, and very short-term Treasuries. That yield is modest but respectable for a growth-tilted portfolio, especially one leaning into small caps and thematic exposures. Dividends can feel like getting “rent” for owning investments, providing some steady return even when prices drift sideways. However, they’re just one piece of the total return puzzle. This setup makes sense for someone prioritizing growth over immediate income, while still getting a helpful income stream from real estate and high-yielding cash-like instruments.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Direxion Auspice Broad Commodity Strategy ETF 0.80%
  • iShares Bitcoin Trust 0.12%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • WisdomTree Bloomberg U.S. Dollar Bullish Fund 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • The Real Estate Select Sector SPDR Fund 0.09%
  • Weighted costs total (per year) 0.14%

With a total expense ratio around 0.14%, this portfolio is impressively low-cost, especially given the presence of specialized small-cap value, commodity, dollar, and bitcoin exposures that usually charge more. Costs are like friction in an engine: small on any single day but powerful when compounded over decades. Keeping the core in ultra-cheap broad index funds does a lot of the heavy lifting here, leaving room to use a few pricier tools without bloating the overall cost. This cost profile is a real strength and strongly supports better long-term performance versus similar strategies that rely more on high-fee active products.

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