This portfolio has only about 5 months 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.

A growth-oriented portfolio with high dividend focus and significant technology exposure

Report created on Aug 7, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

This portfolio is heavily weighted towards ETFs, with a single stock holding in Amazon.com Inc. The ETFs are focused on income generation, evident from their names and dividend yields. The majority of the portfolio is invested in U.S.-based assets, with a significant tilt towards technology and consumer cyclicals. The asset class distribution shows a strong preference for stocks, with minimal allocations to other categories. This setup suggests a growth-focused strategy, leveraging dividends for income, but it also indicates potential concentration risk due to the heavy reliance on a few sectors and the U.S. market.

Growth Info

The portfolio has shown a Compound Annual Growth Rate (CAGR) of 11.45%, with a maximum drawdown of -13.80%. This performance, coupled with the days contributing to 90% of returns being concentrated in a single day, suggests volatility but also significant growth potential. The historical performance is solid, especially considering the high dividend yields contributing to the total return. However, investors should be cautious of the potential for increased volatility due to the concentrated sector exposure and the inherent risks of high dividend-yielding investments.

Projection Info

Monte Carlo simulations, projecting future performance based on historical data, suggest a wide range of outcomes with a median annualized return of 15.77%. While the majority of simulations (953 out of 1000) predict positive returns, the variance between the 5th and 67th percentiles is substantial. This indicates a high level of uncertainty and risk, which is typical for portfolios with a growth profile and a focus on high-income ETFs. Investors should interpret these projections with caution, as past performance is not a reliable indicator of future results.

Asset classes Info

  • Stocks
    81%
  • No data
    4%
  • Cash
    1%

The portfolio's asset allocation is predominantly in stocks (81%), with a small portion not classified (4%) and an even smaller portion in cash (1%). This heavy stock concentration aligns with the portfolio's growth and income objectives but also increases its susceptibility to market volatility. Diversification across different asset classes could mitigate some of this risk, potentially smoothing out returns over time. The current allocation, while effective for growth, lacks the balance that could protect against downturns in the equity markets.

Sectors Info

  • Technology
    27%
  • Consumer Discretionary
    18%
  • Telecommunications
    8%
  • Health Care
    7%
  • Consumer Staples
    7%
  • Industrials
    5%
  • Energy
    5%
  • Financials
    5%
  • Basic Materials
    1%
  • Utilities
    1%
  • Real Estate
    1%

Sector allocation is concentrated in technology (27%) and consumer cyclicals (18%), with smaller allocations across a range of other sectors. This concentration in high-growth sectors can drive significant returns but also exposes the portfolio to sector-specific risks, such as regulatory changes or economic downturns affecting consumer spending. Diversifying more broadly across sectors could help reduce volatility without significantly compromising growth potential, especially considering the rapid changes in market leaders and sector performance.

Regions Info

  • North America
    84%
  • Europe Developed
    1%

With 84% of the portfolio allocated to North America, geographic diversification is limited, exposing the portfolio to region-specific risks such as policy changes or economic slowdowns in the U.S. Expanding into developed European or Asian markets, or even emerging markets, could offer growth opportunities and risk mitigation through exposure to different economic cycles and market dynamics.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    31%
  • Mid-cap
    14%
  • Small-cap
    2%

The portfolio's market capitalization breakdown shows a preference for mega (35%) and big (31%) cap stocks, with a smaller presence in medium (14%) and small (2%) caps. This skew towards larger companies is typical for investors seeking stability and reliable dividends. However, including more medium and small-cap stocks could enhance growth potential and diversification, as these companies often offer higher growth rates, albeit with increased volatility.

Redundant positions Info

  • JPMorgan Nasdaq Equity Premium Income ETF
    SHP ETF Trust - NEOS S&P 500 High Income ETF
    NEOS Nasdaq 100 High Income ETF
    High correlation

The high correlation among the JPMorgan Nasdaq Equity Premium Income ETF, SHP ETF Trust - NEOS S&P 500 High Income ETF, and NEOS Nasdaq 100 High Income ETF indicates overlapping investments that may not provide the diversification benefits expected. Reducing exposure to highly correlated assets can help in managing portfolio risk more effectively by ensuring that not all holdings are likely to move in the same direction under market stress.

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.

Optimizing the portfolio using the Efficient Frontier could improve the risk-return profile by adjusting asset allocations without necessarily increasing risk. This approach suggests that some current holdings, especially those that are highly correlated, could be rebalanced to achieve better diversification. While efficiency in this context refers to maximizing returns for a given level of risk, it's essential to consider that diversification across sectors, geographies, and asset classes also plays a critical role in portfolio resilience.

Dividends Info

  • JPMorgan Nasdaq Equity Premium Income ETF 11.30%
  • NEOS Nasdaq 100 High Income ETF 13.90%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 12.10%
  • Tidal Trust III 5.10%
  • Weighted yield (per year) 8.04%

The portfolio's focus on high dividend yields, with a total yield of 8.04%, is a strategic choice for income generation. However, investors should be aware of the risks associated with high dividend yields, including the potential for dividend cuts in economic downturns. Balancing high-yield investments with growth-oriented stocks could provide a more stable income stream and capital appreciation over time.

Ongoing product costs Info

  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • NEOS Nasdaq 100 High Income ETF 0.68%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 0.68%
  • Weighted costs total (per year) 0.29%

Portfolio costs, with a Total Expense Ratio (TER) averaging 0.29%, are within a reasonable range, especially considering the high-income focus of the portfolio. Lowering costs can boost long-term returns, but it's also important to balance cost considerations with the potential benefits of specific investments, such as higher dividend yields or specialized ETF strategies that may carry slightly higher fees.

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