This portfolio has only about 1.1 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.
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A growth-focused and highly diversified portfolio with an emphasis on global equities and dividends

Report created on Aug 25, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio showcases a strategic mix of growth and income-focused assets, primarily through a diversified set of ETFs. With a significant allocation towards the Invesco S&P 500® Momentum ETF, it leans towards growth-oriented stocks within the S&P 500. The inclusion of both U.S. and international dividend ETFs, alongside small cap value ETFs, indicates a balanced approach to capturing value and income across global markets. The presence of a cryptocurrency ETF adds an innovative edge, albeit with higher volatility. This blend underscores a commitment to diversification across asset classes, sectors, and geographies, aiming to mitigate risk while pursuing growth.

Growth Info

Historically, the portfolio has delivered a Compound Annual Growth Rate (CAGR) of 24.69%, a remarkable figure that suggests strong performance. However, the Max Drawdown of -18.26% signals significant volatility, which is expected given the growth orientation and the inclusion of high-risk assets like cryptocurrency. The days contributing to 90% of returns being limited to seven indicates that the portfolio's returns are highly concentrated in short periods, emphasizing the need for long-term commitment and risk tolerance.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, show a wide range of potential performances for this portfolio. With 987 out of 1,000 simulations yielding positive returns, the portfolio demonstrates a strong likelihood of future growth. However, the broad spread between the 5th and 67th percentiles highlights the inherent uncertainty and risk, suggesting that investors should prepare for a wide array of potential outcomes.

Asset classes Info

  • Stocks
    89%
  • Other
    10%
  • Cash
    1%

The portfolio's allocation is heavily skewed towards stocks (89%), with a small portion in 'Other' (10%) likely representing the cryptocurrency ETF, and a minimal cash holding. This allocation aligns with the profile's growth orientation but comes with higher volatility and risk. The absence of bonds may limit the portfolio's ability to cushion against stock market downturns, suggesting a potential area for diversification and risk management improvement.

Sectors Info

  • Financials
    17%
  • Technology
    14%
  • Industrials
    11%
  • Consumer Discretionary
    11%
  • Consumer Staples
    9%
  • Telecommunications
    7%
  • Health Care
    6%
  • Energy
    6%
  • Basic Materials
    5%
  • Utilities
    2%
  • Real Estate
    1%

The sectoral distribution is well-rounded, with a heavier emphasis on Financial Services and Technology, reflecting a common growth-focused strategy. These sectors are known for their volatility but also for their potential for high returns. The balanced exposure across other sectors like Industrials, Consumer Cyclicals, and Healthcare adds diversification, potentially mitigating sector-specific risks.

Regions Info

  • North America
    52%
  • Europe Developed
    14%
  • Asia Emerging
    8%
  • Japan
    6%
  • Asia Developed
    4%
  • Australasia
    3%
  • Africa/Middle East
    2%
  • Latin America
    1%

The geographic allocation underscores a strong bias towards North America (52%), complemented by diversified exposure across developed and emerging markets. This global diversification is crucial for tapping into growth opportunities worldwide and reducing the impact of regional downturns. However, the portfolio may benefit from increasing its exposure to underrepresented regions like Latin America and Europe Emerging to further diversify and capture global growth.

Market capitalization Info

  • Mega-cap
    32%
  • Large-cap
    27%
  • Mid-cap
    18%
  • Small-cap
    8%
  • Micro-cap
    3%

The market capitalization breakdown reveals a balanced approach, with a tilt towards Mega and Big cap stocks (59% combined), which are typically less volatile and offer steady growth. The allocation to Medium, Small, and Micro caps, although smaller, is essential for capturing the higher growth potential of smaller companies. This mix supports the portfolio's growth objectives while providing a degree of stability.

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 portfolio's current allocation appears well-positioned on the Efficient Frontier, suggesting an optimal balance between risk and return based on historical data. However, it's important to recognize that "optimal" does not equate to being risk-free. Investors should continuously reassess their risk tolerance and investment objectives, considering that future market conditions may differ from historical trends.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.60%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Schwab U.S. Dividend Equity ETF 3.70%
  • Schwab International Dividend Equity ETF 3.70%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 1.70%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 2.04%

The portfolio's dividend yield stands at an overall 2.04%, contributed by both U.S. and international dividend ETFs. This yield adds an income component to the portfolio, providing cash flow that can be reinvested or used as income. Given the growth orientation, this yield strikes a balance between income generation and capital appreciation potential.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab International Dividend Equity ETF 0.14%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.12%

With a Total Expense Ratio (TER) of 0.12%, the portfolio is efficiently managed, keeping investment costs low. This advantageous cost structure enhances net returns over the long term, underscoring the portfolio's well-considered construction. Lower costs are particularly beneficial in a diversified portfolio like this, where the cumulative effect can be significant.

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