This portfolio has only about 1.4 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 balanced U.S.-centric portfolio with strong small-cap value focus and global diversification

Report created on Mar 28, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

The portfolio is composed entirely of ETFs, with a significant focus on U.S. small-cap value stocks, which make up 30% of the allocation. This is complemented by a mix of U.S. equity, international small-cap, and emerging markets ETFs. Compared to a typical balanced benchmark, this portfolio leans more heavily on small-cap value and international exposure. Such a structure can offer growth potential but might also introduce volatility. To balance risk and return, consider adjusting allocations to ensure alignment with personal financial goals and risk tolerance.

Growth Info

Historically, the portfolio has performed impressively, with a Compound Annual Growth Rate (CAGR) of 18.30%. This performance outpaces many standard benchmarks, indicating strong growth potential. However, the maximum drawdown of -8.45% highlights the potential for short-term volatility. While past performance is not indicative of future results, this historical data suggests a robust growth trajectory. It may be beneficial to maintain or slightly adjust the current allocation to mitigate risks while still capturing growth opportunities.

Projection Info

The Monte Carlo simulation, a method using historical data to predict future outcomes, suggests a broad range of potential returns. The median projection indicates a 1,086% return, with all simulations showing positive outcomes. While these projections are optimistic, it's essential to remember that they are based on past data and assumptions. Therefore, consider these projections as one of many tools for decision-making. Regularly reviewing and adjusting the portfolio can help align it with changing market conditions and personal goals.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely composed of stocks, which provides substantial growth potential but lacks the diversification benefits of bonds or other asset classes. This all-equity allocation can lead to higher volatility, particularly in market downturns. Compared to a balanced benchmark, the absence of bonds might increase risk. Consider introducing fixed-income investments or other asset classes to enhance diversification and reduce risk, especially if a more stable return profile is desired.

Sectors Info

  • Financials
    22%
  • Consumer Discretionary
    14%
  • Industrials
    14%
  • Technology
    10%
  • Energy
    9%
  • Basic Materials
    8%
  • Health Care
    7%
  • Consumer Staples
    7%
  • Telecommunications
    5%
  • Utilities
    2%
  • Real Estate
    2%

The portfolio's sector allocation is diverse, with significant weights in financial services, consumer cyclicals, and industrials. This broad sector exposure aligns well with common benchmarks, enhancing diversification. However, the technology sector, at 10%, is lower than many growth-focused portfolios, potentially reducing exposure to high-growth areas. While this allocation reduces volatility, consider increasing tech exposure if seeking higher growth, but be aware of the associated risks during market fluctuations.

Regions Info

  • North America
    61%
  • Europe Developed
    10%
  • Asia Emerging
    10%
  • Asia Developed
    7%
  • Japan
    5%
  • Latin America
    2%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Europe Emerging
    1%

With 61% of assets in North America, the portfolio is heavily U.S.-centric, which aligns with many investors' preferences for stability and growth. The remaining 39% is spread across Europe, Asia, and emerging markets, providing global diversification. Compared to global benchmarks, this geographic spread is well-balanced but slightly underweights emerging markets. Increasing exposure to these regions could enhance growth potential, albeit with increased risk. Consider whether this aligns with your investment strategy.

Market capitalization Info

  • Mid-cap
    29%
  • Small-cap
    27%
  • Micro-cap
    17%
  • Large-cap
    14%
  • Mega-cap
    11%

The portfolio's market capitalization is skewed towards medium and small-cap stocks, comprising 56% of the allocation. This focus can drive higher returns but also introduces volatility compared to large-cap stocks. The limited exposure to mega-cap companies might reduce stability during market downturns. Balancing market cap exposure by increasing allocations to large and mega-cap stocks could enhance stability, especially if the investment goal includes steady returns alongside growth.

Redundant positions Info

  • Dimensional International Value ETF
    Avantis® International Equity ETF
    Avantis® International Small Cap Value ETF
    High correlation
  • Avantis® Emerging Markets Equity ETF
    Avantis® Emerging Markets Value ETF
    High correlation

The portfolio contains several highly correlated ETFs, particularly among international and emerging market exposures. High correlation means these assets tend to move together, which can limit diversification benefits. During market downturns, such correlations might amplify losses. Consider reducing overlapping positions to enhance diversification. Reallocating these funds into less correlated assets could improve risk management and potentially increase returns.

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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The portfolio could be optimized using the Efficient Frontier, which identifies the best risk-return ratio. Currently, the portfolio's expected return is slightly below the optimal level. By adjusting asset allocations, particularly reducing highly correlated assets, you can potentially increase returns without increasing risk. This optimization focuses on maximizing returns for a given risk level, ensuring efficient use of capital. Regular reviews and adjustments can help maintain this efficiency.

Dividends Info

  • Avantis® International Equity ETF 1.70%
  • Avantis® International Small Cap Value ETF 3.90%
  • Avantis Emerging Markets Small Cap Equity ETF 3.20%
  • Avantis® Emerging Markets Equity ETF 3.00%
  • Avantis® Emerging Markets Value ETF 1.00%
  • Avantis® U.S. Equity ETF 1.00%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Dimensional International Value ETF 2.30%
  • Invesco S&P 500® Pure Value ETF 1.00%
  • Weighted yield (per year) 1.83%

With a total yield of 1.83%, the portfolio offers moderate income through dividends. This yield is slightly below average for income-focused portfolios but aligns well with a growth-oriented strategy. Dividends can provide a buffer during market volatility, offering steady income. If income generation is a priority, consider increasing allocations to higher-yielding ETFs or dividend-focused funds, while balancing the overall growth potential of the portfolio.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis Emerging Markets Small Cap Equity ETF 0.42%
  • Avantis® Emerging Markets Equity ETF 0.33%
  • Avantis® Emerging Markets Value ETF 0.36%
  • Avantis® U.S. Equity ETF 0.15%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Dimensional International Value ETF 0.27%
  • Invesco S&P 500® Pure Value ETF 0.35%
  • Weighted costs total (per year) 0.29%

The portfolio's total expense ratio (TER) of 0.29% is relatively low, supporting better long-term performance by minimizing costs. This cost efficiency aligns well with best practices, allowing more capital to remain invested and compound over time. Keeping costs low is crucial for maximizing returns, especially in a growth-focused portfolio. Continue monitoring ETF expense ratios and consider switching to lower-cost alternatives if available to further enhance net returns.

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