This portfolio has only about 1.5 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 balanced portfolio with strong equity focus and strategic diversification through commodities and digital assets

Report created on Aug 7, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio predominantly consists of equity ETFs, with a heavy emphasis on the Vanguard S&P 500 ETF, making up 70% of the allocation. This is supplemented by the Vanguard Total World Stock Index Fund ETF Shares and the Exchange Traded Concepts Trust, alongside more niche allocations to the VanEck Bitcoin Trust and the iShares® Gold Trust Micro. This composition reflects a balanced approach, leaning towards growth with a moderate level of risk, as indicated by a risk score of 4 out of 7. The diversification is moderate, with a score of 3 out of 5, suggesting room for improvement in spreading risk across different asset classes and sectors.

Growth Info

Historically, the portfolio has shown impressive performance with a Compound Annual Growth Rate (CAGR) of 26.18%. The maximum drawdown experienced was -18.85%, which indicates the portfolio's volatility during market downturns. The days contributing to 90% of returns were notably few, highlighting that significant gains were concentrated in short periods. This performance should be viewed with the understanding that past success does not guarantee future returns, especially in a portfolio with a substantial allocation to equities which can be volatile.

Projection Info

Utilizing Monte Carlo simulations to project future performance, the analysis suggests a wide range of outcomes, with the 50th percentile indicating a potential 31,420.6% increase. While simulations provide a spectrum of possible futures, they rely heavily on historical data, which may not always predict future trends accurately. This method helps in understanding potential volatility and the impact of diversification on portfolio resilience.

Asset classes Info

  • Stocks
    96%

The portfolio's asset allocation is heavily weighted towards stocks (96%), with no allocation to cash or bonds. This concentration in equities exposes the portfolio to market volatility, though it also offers the potential for higher returns. Diversification across different asset classes, such as fixed income or real estate, could provide a buffer against stock market fluctuations, potentially reducing overall portfolio risk while still allowing for growth.

Sectors Info

  • Technology
    27%
  • Financials
    12%
  • Industrials
    11%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Utilities
    4%
  • Energy
    4%
  • Basic Materials
    2%
  • Real Estate
    2%

Sector allocation within the portfolio shows a strong leaning towards technology (27%), followed by financial services and industrials. This sector concentration may increase exposure to sector-specific risks, such as regulatory changes or economic cycles affecting technology and finance companies. Diversifying across a broader range of sectors could mitigate these risks and stabilize returns over time.

Regions Info

  • North America
    85%
  • Europe Developed
    3%
  • Japan
    1%
  • Asia Developed
    1%
  • Asia Emerging
    1%

Geographic exposure is heavily concentrated in North America (85%), with minimal exposure to other regions. This concentration could limit the portfolio's potential to benefit from growth in emerging markets and other developed markets outside of the United States. Diversifying geographically could reduce the portfolio's vulnerability to regional economic downturns and provide access to growth opportunities worldwide.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    32%
  • Mid-cap
    17%
  • Small-cap
    3%
  • Micro-cap
    1%

The portfolio's market capitalization exposure is tilted towards mega (40%) and big (32%) cap stocks, which tend to be more stable but may offer lower growth potential compared to smaller companies. Including a greater mix of medium, small, and micro-cap stocks could enhance growth prospects and diversification, albeit with increased risk.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Total World Stock Index Fund ETF Shares
    High correlation

The high correlation between the Vanguard S&P 500 ETF and the Vanguard Total World Stock Index Fund ETF Shares suggests redundancy, limiting the diversification benefits of holding both. Reducing overlap by reallocating funds from one of these ETFs to assets with lower correlation could enhance portfolio efficiency without significantly 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 could be optimized for efficiency by addressing the high correlation between some assets. An optimal portfolio with a similar risk level could potentially offer a higher expected return of 48.02%. This would involve diversifying away from overlapping equity positions and possibly increasing exposure to different asset classes or sectors to enhance the risk-return profile.

Dividends Info

  • Exchange Traded Concepts Trust 0.10%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total World Stock Index Fund ETF Shares 1.80%
  • Weighted yield (per year) 1.12%

The portfolio's dividend yield stands at an average of 1.12%, contributed mainly by the Vanguard S&P 500 ETF and the Vanguard Total World Stock Index Fund ETF Shares. While dividends provide a steady income stream, the focus on growth-oriented assets means dividend yield is not the primary objective. Investors seeking higher income might consider assets with higher dividend yields or fixed income securities.

Ongoing product costs Info

  • VanEck Bitcoin Trust 0.20%
  • iShares® Gold Trust Micro 0.09%
  • Exchange Traded Concepts Trust 0.85%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.10%

The portfolio's total expense ratio (TER) is relatively low at 0.10%, which is beneficial for long-term growth as lower costs translate to higher net returns. The most significant cost comes from the Exchange Traded Concepts Trust, suggesting a review of this holding could further optimize costs without compromising on strategic objectives.

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