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.

A globally diversified portfolio with a cautious profile emphasizing bonds and selective equities

Report created on Sep 4, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio showcases a strategic blend of asset classes, with a significant emphasis on stocks (65%) and bonds (20%), complemented by real estate investments (10%) and a modest allocation to cryptocurrencies (5%). The diversification across different asset classes is designed to balance growth potential with risk management. However, the portfolio's asset allocation reveals a cautious approach, leaning more towards stability and income generation rather than aggressive growth.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 12.78%, with a maximum drawdown of -12.73%. These metrics suggest a relatively stable performance with moderate volatility. The days contributing most significantly to returns highlight the impact of key market movements on the portfolio's growth. Compared to benchmarks, this performance indicates a well-managed risk-return balance, especially considering the cautious profile.

Projection Info

Monte Carlo simulations, which project future performance based on historical data, suggest a wide range of outcomes for this portfolio. With 979 out of 1,000 simulations showing positive returns, the portfolio demonstrates a strong likelihood of future growth. However, it's crucial to remember that these projections are not guarantees but rather hypothetical scenarios that help in understanding potential risks and opportunities.

Asset classes Info

  • Stocks
    65%
  • Bonds
    20%
  • Real Estate
    10%
  • Other
    5%
  • Cash
    1%

The allocation across asset classes—stock, bond, real estate, and others—provides a foundation for diversification. While the stock allocation drives growth, bonds offer stability, and real estate can provide both income and appreciation. The inclusion of a cryptocurrency ETF, classified under 'Other,' introduces a higher-risk, high-reward component, albeit in a controlled proportion.

Sectors Info

  • Financials
    17%
  • Real Estate
    12%
  • Technology
    9%
  • Industrials
    6%
  • Basic Materials
    6%
  • Health Care
    5%
  • Consumer Discretionary
    5%
  • Energy
    5%
  • Consumer Staples
    4%
  • Telecommunications
    3%
  • Utilities
    3%

Sectoral allocation spans financial services, real estate, technology, and more, ensuring broad exposure across the economic landscape. This diversification helps mitigate sector-specific risks and capitalizes on growth across different areas of the economy. However, the concentration in financial services and real estate warrants monitoring to ensure alignment with global economic shifts.

Regions Info

  • North America
    15%
  • Latin America
    15%
  • Australasia
    15%

The geographic distribution, with equal weightings in North America, Latin America, and Australasia, positions the portfolio for global exposure while maintaining a balance between developed and emerging markets. This approach enhances the portfolio's ability to capture growth worldwide and hedge against region-specific risks.

Market capitalization Info

  • Mega-cap
    30%
  • Large-cap
    25%
  • Mid-cap
    14%
  • Small-cap
    4%
  • Micro-cap
    1%

The focus on mega to medium capitalization companies suggests a preference for established, less volatile investments, which aligns with the portfolio's cautious profile. However, the limited exposure to small and micro-cap stocks may restrict potential high-growth opportunities, albeit at a higher 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 portfolio's current expected return is below the optimal level identified through Efficient Frontier analysis, suggesting room for improvement in risk-return efficiency. Adjusting the allocation could achieve a higher expected return for the same level of risk, enhancing the portfolio's performance potential.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.50%
  • iShares MSCI Australia ETF 3.10%
  • iShares MSCI Brazil ETF 5.50%
  • Schwab U.S. Dividend Equity ETF 3.70%
  • Vanguard Real Estate Index Fund ETF Shares 3.80%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Weighted yield (per year) 3.06%

With an overall dividend yield of 3.06%, the portfolio is well-positioned to provide a steady income stream. This yield, combined with the allocation to bonds and real estate, reinforces the portfolio's focus on generating regular returns, which is particularly appealing for income-focused investors.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • iShares MSCI Australia ETF 0.50%
  • iShares MSCI Brazil ETF 0.59%
  • iShares Bitcoin Trust 0.12%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.21%

The total expense ratio (TER) of 0.21% is impressively low, enhancing the portfolio's long-term return potential by minimizing cost drag. This cost efficiency is crucial for maximizing net returns, particularly in a low-yield environment.

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