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 balanced portfolio with strong tech focus and high historical growth potential

Report created on Mar 29, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification
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Positions

The portfolio is heavily weighted towards common stocks, comprising 72% of the total assets. ETFs and funds make up a smaller portion, with notable holdings in NVIDIA and Schwab U.S. Dividend Equity ETF. This composition leans towards growth, given the high allocation to technology and dividend-focused investments. Compared to a balanced benchmark, the portfolio is less diversified with a concentration in a few high-performing stocks. To enhance diversification, consider increasing exposure to other asset classes like bonds or international equities.

Growth Info

The portfolio has demonstrated impressive historical performance with a Compound Annual Growth Rate (CAGR) of 22.91%. This figure indicates strong growth potential, though it's important to note that past performance doesn't guarantee future results. The maximum drawdown of -12.23% suggests moderate risk, which aligns with the balanced risk classification. To maintain this performance, consider reviewing the asset allocation periodically to ensure it remains aligned with your risk tolerance and investment goals.

Projection Info

Using Monte Carlo simulations, the portfolio's future performance was projected with 1,000 simulations. This method uses historical data to estimate potential outcomes, but remember, it's not a prediction. The results suggest a median return of 2,711.6% with a 67th percentile return of 5,851.7%. While these figures are promising, they are based on historical trends that may not continue. Regularly reviewing and adjusting the portfolio can help manage risk and capitalize on potential growth opportunities.

Asset classes Info

  • Stocks
    72%
  • Other
    7%
  • No data
    1%
  • Cash
    1%

The allocation across asset classes is predominantly in stocks (72%), with minimal exposure to cash and other assets. This concentration in equities suggests a focus on capital appreciation rather than income or stability. Compared to a typical balanced benchmark, this portfolio could benefit from diversifying into bonds or alternative investments to reduce volatility and enhance risk-adjusted returns. Consider gradually reallocating a portion of the equity holdings into these asset classes.

Sectors Info

  • Technology
    32%
  • Financials
    8%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Consumer Discretionary
    5%
  • Health Care
    5%
  • Real Estate
    3%
  • Industrials
    3%
  • Energy
    3%
  • Basic Materials
    1%

The portfolio is technology-heavy, with 32% allocated to this sector, followed by financial services and communication services. This concentration could lead to higher volatility, especially during periods of tech sector downturns. While tech stocks have driven growth, diversifying into more defensive sectors like healthcare or consumer staples might provide stability. Aligning sector weights closer to benchmark norms can help mitigate sector-specific risks and enhance long-term performance.

Regions Info

  • North America
    72%

The portfolio's geographic exposure is almost entirely in North America, which limits global diversification. This concentration could expose the portfolio to region-specific risks, such as economic downturns or policy changes. Expanding exposure to developed and emerging markets in Europe, Asia, or Latin America could enhance diversification and capture growth opportunities outside the U.S. Consider gradually adding international ETFs or funds to balance the geographic allocation.

Market capitalization Info

  • Mega-cap
    36%
  • Large-cap
    23%
  • Mid-cap
    10%
  • No data
    2%
  • Small-cap
    1%

The portfolio's market capitalization is skewed towards mega and big-cap stocks, with 36% and 23% allocations, respectively. This focus on larger companies provides stability but may limit growth potential. Smaller-cap stocks often offer higher growth prospects, though they come with increased volatility. To balance risk and return, consider incorporating more mid and small-cap stocks. This can be achieved through targeted ETFs or actively managed funds that focus on smaller companies.

Redundant positions Info

  • Invesco NASDAQ 100 ETF
    Schwab U.S. Large-Cap Growth ETF
    JPMorgan Nasdaq Equity Premium Income ETF
    High correlation

The portfolio contains highly correlated assets, particularly among tech-focused ETFs, such as Invesco NASDAQ 100 ETF and Schwab U.S. Large-Cap Growth ETF. High correlation means these assets tend to move together, which could limit diversification benefits. During market downturns, this could exacerbate losses. To improve diversification, consider replacing or reducing exposure to these correlated assets with investments that have lower correlation, such as bonds or international equities.

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.

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The portfolio currently has room for optimization on the Efficient Frontier, which represents the best possible risk-return ratio for a given set of assets. By reducing overlapping, highly correlated assets, the portfolio can potentially achieve a higher expected return of 12.52% with a lower risk level of 2.28%. This involves reallocating within existing holdings to better balance risk and return. Regularly reassessing the portfolio's position on the Efficient Frontier can help maintain optimal performance.

Dividends Info

  • Fidelity Govt Cash Rsrvs 4.70%
  • JPMorgan Nasdaq Equity Premium Income ETF 10.90%
  • The Coca-Cola Company 2.10%
  • Meta Platforms Inc. 0.30%
  • Altria Group 5.20%
  • Microsoft Corporation 0.80%
  • Tidal Trust II 162.90%
  • Realty Income Corp 5.20%
  • Invesco NASDAQ 100 ETF 0.60%
  • Schwab U.S. Dividend Equity ETF 2.90%
  • Schwab U.S. Large-Cap Growth ETF 0.30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.00%
  • Weighted yield (per year) 3.99%

The portfolio's total dividend yield is 3.99%, with significant contributions from JPMorgan Nasdaq Equity Premium Income ETF and Altria Group. Dividends provide a steady income stream, which can be reinvested or used for cash flow. For investors seeking income, maintaining or increasing exposure to high-yielding assets can enhance returns. However, focusing solely on dividends may limit growth potential, so balance is key. Regularly review dividend yields and adjust holdings as needed.

Ongoing product costs Info

  • Fidelity Govt Cash Rsrvs 0.26%
  • iShares Gold Trust 0.25%
  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • Tidal Trust II 0.99%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.10%

The portfolio's total expense ratio (TER) is relatively low at 0.10%, which is beneficial for long-term performance. Lower costs mean more of your returns are retained, compounding over time. Compared to industry averages, this TER is competitive. However, some individual holdings, like Tidal Trust II, have higher expense ratios. Consider evaluating the cost-benefit of these higher-cost holdings and whether lower-cost alternatives could achieve similar objectives without sacrificing performance.

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