This portfolio has only about 1.8 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 balanced portfolio with a strong focus on diversified equities and a keen eye on dividends

Report created on Aug 19, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is heavily weighted towards equities, with a 50% allocation in the Vanguard Total Stock Market Index Fund ETF Shares and a 30% allocation in the Vanguard Total International Stock Market Index Fund ETF Shares. This structure suggests a strong belief in the stock market's long-term growth potential. The remaining 20% is split evenly between the iShares Trust and Schwab U.S. Dividend Equity ETF, adding a focus on dividend income. This composition aligns well with a balanced investment strategy, aiming for growth while seeking income through dividends.

Growth Info

Historically, the portfolio has shown a Compound Annual Growth Rate (CAGR) of 23.43%, with a maximum drawdown of -16.24%. These figures indicate a robust performance, outpacing many benchmarks. The days contributing to 90% of returns being limited to 17 suggests significant returns were achieved on relatively few days, highlighting the impact of market volatility on performance. This level of volatility and return is typical for equity-heavy portfolios.

Projection Info

Using Monte Carlo simulations, which forecast potential outcomes based on historical data, the portfolio shows a wide range of future scenarios. The 50th percentile outcome suggests a 1,803.0% increase, while the 5th and 67th percentiles indicate 632.6% and 2,401.0% increases, respectively. All simulations returned positive outcomes, reinforcing the portfolio's strong growth potential. However, it's crucial to remember that these projections are speculative and based on past performance, which is not a reliable indicator of future results.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is heavily skewed towards stocks (99%), with a minimal cash holding (1%) and no bond investments. This allocation is typical for investors with a higher risk tolerance and a long-term investment horizon. While this can lead to higher returns, it also increases the portfolio's susceptibility to market fluctuations. Including bonds or other asset classes could provide better risk-adjusted returns by reducing volatility.

Sectors Info

  • Technology
    24%
  • Financials
    16%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Health Care
    10%
  • Telecommunications
    8%
  • Consumer Staples
    7%
  • Energy
    5%
  • Basic Materials
    3%
  • Real Estate
    3%
  • Utilities
    2%

The sectoral allocation is diversified across technology, financial services, industrials, consumer cyclicals, and healthcare, making up the bulk of the investment. This diversification helps mitigate sector-specific risks. However, the heavy emphasis on technology (24%) could expose the portfolio to higher volatility, as tech stocks can be more sensitive to market shifts. Balancing sector allocations could reduce risk without significantly compromising potential returns.

Regions Info

  • North America
    69%
  • Europe Developed
    13%
  • Asia Emerging
    5%
  • Japan
    5%
  • Asia Developed
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is predominantly invested in North America (69%), with developed Europe and emerging Asian markets also represented. This distribution reflects a solid foundation in more stable, developed markets while maintaining exposure to the growth potential of emerging markets. However, the underrepresentation of regions like Latin America and Africa/Middle East suggests an opportunity to further diversify and tap into the growth potential of these emerging markets.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    33%
  • Mid-cap
    20%
  • Small-cap
    6%
  • Micro-cap
    2%

The market capitalization breakdown shows a preference for mega (38%) and big (33%) cap stocks, with medium, small, and micro caps comprising the remainder. This tilt towards larger companies is consistent with the portfolio's balanced risk profile, as these companies tend to be more stable. However, increasing the allocation to small and micro-cap stocks could enhance growth potential, albeit with higher risk.

Redundant positions Info

  • iShares Trust
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation between the iShares Trust and Vanguard Total Stock Market Index Fund ETF Shares indicates overlapping holdings, which may limit diversification benefits. Diversification across uncorrelated assets is crucial for minimizing risk while maintaining return potential. Exploring alternative investments with lower correlation to existing holdings could enhance portfolio efficiency.

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 composition suggests a need for optimization to improve diversification and reduce correlated risks. The Efficient Frontier analysis could help identify an optimal asset allocation that maximizes returns for a given level of risk. By adjusting the asset mix, especially by reducing overlap between highly correlated assets, the portfolio could achieve a more efficient risk-return profile.

Dividends Info

  • iShares Trust 1.50%
  • Schwab U.S. Dividend Equity ETF 3.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.93%

The portfolio's dividend yield stands at an average of 1.93%, with the Schwab U.S. Dividend Equity ETF offering the highest yield at 3.70%. Dividends contribute to the portfolio's total return and provide a steady income stream, which is particularly valuable during market downturns. Focusing on high-quality dividend-paying stocks or funds could further enhance income without significantly increasing risk.

Ongoing product costs Info

  • iShares Trust 0.11%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

The portfolio's total expense ratio (TER) averages at 0.05%, which is impressively low and supports better long-term performance by minimizing costs. Keeping investment costs low is crucial for maximizing net returns, especially in a low-yield environment. This cost efficiency is a strong aspect of the portfolio's construction.

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