A balanced portfolio with a strong focus on technology and international diversification
Report created on Jun 26, 2025Risk profile
4/7
Diversification profile
4/5
Positions
-
SW Schwab S&P 500 Index Fund
SWPPX - US8085098551 60.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
KG KraneShares MSCI China Clean Technology ETF
KGRN - US5007678502 5.00% -
KT KraneShares Hang Seng TECH Index ETF
KTEC - US5007675797 5.00%
This portfolio is heavily weighted towards stock, with a significant emphasis on the US and international equities, particularly in the technology sector. The allocation is 60% in a US S&P 500 index fund, 30% in an international stock ETF, and 10% in Chinese technology ETFs. This composition suggests a strategy focused on growth through exposure to global markets and the tech industry, balanced by the stability of the broad market S&P 500 index.
Growth
The portfolio has shown a Compound Annual Growth Rate (CAGR) of 8.58%, which is respectable and indicates solid growth over time. However, the maximum drawdown of -26.82% points to significant volatility, likely due to the high concentration in technology stocks and emerging markets. The days contributing to 90% of returns being so few suggest that performance heavily relies on short, strong market rallies, a common characteristic of tech and emerging market investments.
Projection
Monte Carlo simulations offer a range of possible future outcomes based on historical data. For this portfolio, simulations predict a wide range of potential returns, with a median annualized return of 2.76%. It's important to note that these projections are based on past performance and assumptions that may not hold true. Such analysis helps in understanding potential risks and rewards but cannot guarantee future performance.
Asset classes
- Stocks 99%
- Cash 1%
The portfolio is almost entirely invested in stocks (99%), with a minimal cash holding (1%). This allocation underscores a growth-oriented strategy but comes with higher volatility and risk. Diversification across asset classes could reduce risk, and considering bonds or alternative investments might provide a buffer against stock market downturns.
Sectors
- Technology 25%
- Financials 15%
- Industrials 10%
- Health Care 9%
- Telecommunications 9%
- Consumer Discretionary 8%
- Consumer Discretionary 6%
- Consumer Staples 6%
- Utilities 4%
- Energy 3%
- Basic Materials 3%
- Real Estate 2%
With a quarter of the portfolio in technology, followed by significant allocations to financial services and industrials, the sectoral distribution reflects a growth-focused but somewhat concentrated approach. This heavy tech emphasis can lead to higher volatility, especially in market corrections or shifts away from tech. Diversifying more evenly across sectors could mitigate some of this risk.
Regions
- North America 62%
- Asia Emerging 15%
- Europe Developed 12%
- Japan 5%
- Asia Developed 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
The geographic allocation shows a strong bias towards North America (62%) and a notable exposure to Asia Emerging markets (15%). While this supports diversification and growth potential, the limited exposure to other regions like Europe Developed and Latin America suggests room for more geographic diversification to spread risk and tap into different market dynamics.
Market capitalization
- Mega-cap 48%
- Large-cap 33%
- Mid-cap 16%
- Small-cap 2%
The focus on mega (48%) and big (33%) cap stocks indicates a preference for established, large companies, likely contributing to the portfolio's overall stability. However, the small allocation to small (2%) and micro (0%) cap stocks suggests a missed opportunity for higher growth potential, albeit with increased 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.
Optimizing this portfolio using the Efficient Frontier could enhance the risk-return profile by adjusting asset allocations without necessarily increasing risk. Currently, the portfolio's efficiency could be improved by diversifying across more asset classes and sectors, and by considering the correlation between assets to reduce volatility.
Dividends
- KraneShares MSCI China Clean Technology ETF 1.30%
- KraneShares Hang Seng TECH Index ETF 0.20%
- Schwab S&P 500 Index Fund 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.90%
- Weighted yield (per year) 1.66%
The overall dividend yield of 1.66% adds an income component to the portfolio, complementing capital gains. The high yield from the Vanguard Total International Stock Index Fund ETF Shares (2.90%) is particularly noteworthy, providing a steady income stream. Balancing growth and income through diversified dividend sources could further stabilize returns.
Ongoing product costs
- KraneShares MSCI China Clean Technology ETF 0.79%
- KraneShares Hang Seng TECH Index ETF 0.69%
- Schwab S&P 500 Index Fund 0.02%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.10%
The total Expense Ratio (TER) of 0.10% is impressively low, maximizing potential net returns. The low costs are primarily due to the inclusion of index funds and ETFs with minimal fees, a strategy that supports long-term growth by reducing the drag on performance due to costs.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
Compare your holdings
How much do the funds you hold actually overlap with the ones people weigh them against?
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey