This portfolio has only about 1.6 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.

Growth-focused portfolio with high exposure to US equities and Bitcoin

Report created on Aug 3, 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 primarily composed of an 80% allocation to a broad-based US equity index fund and a 20% allocation to a Bitcoin ETF. This structure indicates a significant tilt towards growth assets, with a heavy emphasis on the US market. The diversification is relatively narrow, focusing mainly on two asset classes: stocks and "other", which in this context refers to cryptocurrency. The sectoral allocation within the equity component is diverse, with the largest exposures being technology and financial services.

Growth Info

Historically, this portfolio has shown a remarkably high Compound Annual Growth Rate (CAGR) of 30.16%, with a maximum drawdown of -20.77%. The performance metrics suggest a strong growth profile but also highlight the portfolio's volatility. The concentration in high-growth sectors, combined with the inclusion of Bitcoin, likely contributes to both the high returns and the significant drawdowns. It's important to note that past performance is not indicative of future results, especially with assets as volatile as cryptocurrencies.

Projection Info

Forward projections, based on Monte Carlo simulations, suggest a wide range of possible outcomes, with the median scenario indicating a 26,531.0% return. While these numbers are eye-catching, it's crucial to understand that such simulations use historical data to generate future scenarios, which may not account for unprecedented market conditions. The high volatility of Bitcoin, in particular, can introduce significant uncertainty into these projections.

Asset classes Info

  • Stocks
    80%
  • Other
    20%

The portfolio's asset class distribution, with 80% in stocks and 20% in an alternative asset class (cryptocurrency), reflects a growth-oriented strategy. This allocation supports high potential returns but also comes with increased risk, particularly from the cryptocurrency market's inherent volatility. Diversifying across more asset classes could help mitigate some of this risk while still aiming for growth.

Sectors Info

  • Technology
    27%
  • Financials
    11%
  • Consumer Discretionary
    8%
  • Telecommunications
    8%
  • Health Care
    7%
  • Industrials
    6%
  • Consumer Staples
    4%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    2%
  • Basic Materials
    1%

Sectoral allocations within the equity portion are well-diversified, with the largest investments in technology and financial services. This sectoral spread is beneficial for capturing growth across different areas of the economy. However, the heavy weighting towards technology, a sector known for its volatility, matches the portfolio's overall growth-focused, higher-risk profile.

Regions Info

  • North America
    80%

Geographic exposure is heavily concentrated in North America, specifically the US, making up 80% of the portfolio. This concentration benefits from the US market's historical strength but also exposes the portfolio to country-specific risks. Expanding geographic diversification could reduce vulnerability to US-centric economic downturns and take advantage of growth in other regions.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    28%
  • Mid-cap
    14%
  • Small-cap
    1%

The market capitalization breakdown reveals a strong focus on mega and large-cap stocks, which typically offer more stability than their smaller counterparts. However, the inclusion of Bitcoin, known for its volatility, contrasts with the relative safety of large-cap stocks. This mix underscores the portfolio's aggressive growth strategy, balancing high-risk, high-reward assets with more stable, established companies.

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.

Considering the Efficient Frontier, this portfolio might not be fully optimized for the best risk-return ratio due to its high concentration in US equities and Bitcoin. While this allocation has historically provided substantial growth, it comes with considerable volatility. Diversifying across more asset classes and regions could potentially offer a more favorable balance between risk and return.

Dividends Info

  • VANGUARD INSTITUTIONAL INDEX FUND INSTITUTIONAL PLUS SHARES 0.90%
  • Weighted yield (per year) 0.72%

The dividend yield of the portfolio, driven by the equity fund, is relatively modest at 0.72%. This yield reflects the growth orientation of the portfolio, where the emphasis is more on capital appreciation than on income generation. For investors seeking regular income, adjusting the asset allocation to include higher-yielding investments might be necessary.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • VANGUARD INSTITUTIONAL INDEX FUND INSTITUTIONAL PLUS SHARES 0.02%
  • Weighted costs total (per year) 0.04%

The portfolio's total expense ratio (TER) of 0.04% is impressively low, enhancing its attractiveness by minimizing the drag on returns due to costs. This efficiency is crucial for long-term growth, as even small differences in fees can significantly impact compounded returns over time.

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