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.

A growth-focused portfolio with a strong tilt towards US equities and a speculative position in Bitcoin

Report created on May 26, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

Your portfolio is predominantly invested in US equities across various capitalizations, with a significant allocation in the Vanguard S&P 500 ETF, reflecting a strong bias towards large-cap stocks. The inclusion of small, mid, and large-cap ETFs suggests an attempt at diversification within the equity space. However, the portfolio's single-focused diversification classification indicates a concentration in a specific asset class, primarily stocks, with a minor speculative position in Bitcoin, which adds a unique risk-reward profile to the mix.

Growth Info

With a historical Compound Annual Growth Rate (CAGR) of 18.29%, your portfolio has demonstrated robust growth. This performance is particularly impressive when considering the maximum drawdown of -21.06%, which suggests resilience during market downturns. The days contributing to 90% of returns highlight the impact of significant market movements on portfolio performance. While past performance is encouraging, it's vital to remember it doesn't guarantee future results.

Projection Info

Monte Carlo simulations, using historical data to forecast future performance, show a wide range of outcomes for your portfolio. The 50th percentile projection suggests substantial growth potential. However, the reliance on historical data means these projections do not account for unforeseen market shifts. It's essential to view these results as one of many tools in assessing potential future performance, not as guarantees.

Asset classes Info

  • Stocks
    95%
  • Other
    5%

Your portfolio's asset allocation is heavily weighted towards stocks (95%), with a small allocation to alternative investments (5% in Bitcoin). This composition aligns with a growth-oriented strategy but carries higher volatility and risk. The absence of fixed-income assets and minimal diversification outside of equities may expose your portfolio to market fluctuations, highlighting the importance of considering a broader range of asset classes for risk management.

Sectors Info

  • Technology
    27%
  • Financials
    15%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    1%
  • Real Estate
    1%

The sectoral distribution within your portfolio shows a heavy emphasis on technology, financial services, and industrials, which are sectors known for their growth potential. However, this concentration also increases susceptibility to sector-specific risks. Diversifying across a broader range of sectors could mitigate these risks and potentially smooth out returns over time, particularly during sector rotations or downturns.

Regions Info

  • North America
    94%
  • Europe Developed
    1%

With 94% of assets allocated to North America, your portfolio has a significant geographic concentration. This focus on a single region can amplify exposure to regional economic and political risks. Expanding into other developed or emerging markets could provide additional diversification benefits, potentially reducing volatility and enhancing returns through exposure to different economic cycles and growth opportunities.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    20%
  • Small-cap
    17%
  • Mid-cap
    17%
  • Micro-cap
    7%

The market capitalization breakdown indicates a diversified approach within the equity component, spanning mega to micro-cap stocks. This variety can offer a balance between the stability of large-cap companies and the growth potential of smaller caps. However, the allocation to smaller caps (17% small and 7% micro) introduces higher volatility, which should be considered in the context of your overall risk tolerance.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Vanguard S&P 500 ETF
    High correlation

The high correlation between the Vanguard S&P 500 ETF and the Schwab U.S. Large-Cap Growth ETF indicates overlapping exposure, limiting the diversification benefits of holding both. Reducing redundancy by reallocating from one of these highly correlated assets to underrepresented sectors or asset classes could enhance portfolio efficiency without necessarily increasing risk.

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 current portfolio shows room for optimization, particularly by addressing the redundancy in highly correlated assets. Achieving a balance that maintains the desired risk level while potentially increasing expected returns to 48.95% involves careful reallocation. This process should consider not only the correlation between assets but also the overall risk-return profile and diversification benefits of each component.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard S&P 500 ETF 1.30%
  • Invesco S&P MidCap Quality ETF 5.30%
  • Weighted yield (per year) 1.78%

Your portfolio's dividend yield is influenced by the varying yields of the included ETFs, with an overall yield of 1.78%. While dividends contribute to total returns, the focus on growth-oriented assets means dividend income is secondary to capital appreciation. For investors seeking income, considering assets with higher dividend yields or more consistent payout records could provide an additional income stream.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Invesco S&P MidCap Quality ETF 0.25%
  • Weighted costs total (per year) 0.10%

With a Total Expense Ratio (TER) averaging 0.10%, your portfolio benefits from low costs, which is commendable. Lower costs directly translate to higher net returns over time, especially significant in a growth-oriented portfolio where compounding plays a crucial role. Maintaining a focus on cost efficiency while diversifying could further enhance long-term performance.

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