High concentration in Berkshire Hathaway with significant gold and silver exposure

Report created on Jul 20, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

Your portfolio exhibits a highly concentrated structure, with a dominant 68.32% allocation in Berkshire Hathaway Inc., complemented by significant investments in precious metals through the iShares® Gold Trust Micro and iShares Silver Trust, and a minor position in the Morgan Stanley India Investment Closed Fund. This composition indicates a unique blend of equity and commodity investments, leaning heavily towards a single stock and sector exposure, which is atypical for a balanced risk profile.

Growth Info

Historically, your portfolio has shown a Compound Annual Growth Rate (CAGR) of 15.05%, with a maximum drawdown of -23.84%. The days contributing to 90% of returns are notably few, suggesting that a small number of high-performing days are driving the majority of gains. This performance, while impressive, underscores the portfolio's reliance on specific market conditions and the outsized influence of Berkshire Hathaway's performance.

Projection Info

Utilizing a Monte Carlo simulation, which forecasts future performance based on historical data, your portfolio's potential outcomes vary widely. With a median projection of a 342.6% increase, the simulations show a robust upside. However, it's crucial to remember that such projections are inherently uncertain and past performance is not indicative of future results.

Asset classes Info

  • Stocks
    70%
  • Other
    4%

The asset class distribution, with 70% in stocks and a notable portion in commodities (gold and silver), aligns with a strategy seeking to hedge against market volatility and inflation. However, the minimal diversification across asset classes could expose the portfolio to significant risk if the equity market or precious metals sector underperforms.

Sectors Info

  • Financials
    69%

Sectoral allocation is heavily skewed towards financial services, courtesy of the large Berkshire Hathaway holding. This concentration increases sector-specific risk, potentially amplifying the impact of financial sector downturns on your portfolio's overall performance.

Regions Info

  • North America
    68%
  • Asia Emerging
    2%

Geographically, your portfolio is predominantly invested in North America (68%) and has a minor exposure to emerging markets in Asia (2%). This concentration in developed markets, while generally considered less volatile, limits geographic diversification and the potential benefits of emerging market growth.

Market capitalization Info

  • Mega-cap
    69%
  • Large-cap
    1%

The portfolio's focus on mega-cap stocks, primarily through Berkshire Hathaway, offers stability and resilience against market fluctuations. However, the absence of small to medium-cap stocks reduces the potential for high growth rates that these companies can offer.

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.

The analysis suggests that with the same level of risk, an optimized portfolio could potentially achieve a higher expected return of 16.09%. This indicates room for improvement in the current allocation, suggesting that diversifying across more sectors, asset classes, and geographies could enhance returns without increasing the portfolio's overall risk.

Dividends Info

  • Morgan Stanley India Investment Closed Fund 9.80%
  • Weighted yield (per year) 0.20%

The Morgan Stanley India Investment Closed Fund's high dividend yield of 9.80% contributes to the portfolio's total yield of 0.20%, offering a source of regular income. This is particularly beneficial in a low-interest-rate environment, though it's a small part of the overall portfolio.

Ongoing product costs Info

  • iShares® Gold Trust Micro 0.09%
  • Morgan Stanley India Investment Closed Fund 1.29%
  • iShares Silver Trust 0.50%
  • Weighted costs total (per year) 0.07%

The total expense ratio (TER) of 0.07% is impressively low, which is advantageous for long-term growth by minimizing the drag on returns. Keeping costs low is a key component of successful investing, especially in a portfolio with such a specific focus.

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