Balanced portfolio with a focus on growth and dividends across global markets

Report created on Aug 3, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio showcases a strategic blend of ETFs focused on growth, momentum, and dividend yields, with a significant allocation towards technology and financial services sectors. The inclusion of both U.S. and international equities, alongside a specific emphasis on semiconductor and small-cap value stocks, indicates a balanced approach to risk and return. The diversification across geographic regions and market capitalizations is designed to mitigate risk while capturing growth across different market environments.

Growth Info

The portfolio's historical performance, with a CAGR of 12.39%, suggests a strong track record of growth that slightly outpaces many balanced benchmarks. The maximum drawdown of -25.16% indicates resilience during market downturns, a crucial factor for balanced investors. The days contributing most to returns highlight the portfolio's ability to capitalize on short-term market movements, emphasizing the momentum component of the strategy.

Projection Info

Monte Carlo simulations, projecting a wide range of outcomes based on historical data, suggest a median annualized return of 13.37% across simulations. While this provides a positive outlook, it's essential to remember that these projections are based on past performance, which is not a reliable indicator of future results. The range of outcomes underscores the importance of maintaining a diversified and balanced approach to accommodate market volatility.

Asset classes Info

  • Stocks
    99%

The portfolio's nearly exclusive allocation to stocks, with a minor allocation to cash or other asset classes, positions it for growth but also exposes it to higher volatility. This approach is suitable for investors with a medium to long-term horizon who can tolerate short-term market fluctuations. Adjusting the asset class mix could offer a smoother return profile, especially during turbulent market conditions.

Sectors Info

  • Technology
    27%
  • Financials
    15%
  • Consumer Discretionary
    11%
  • Industrials
    10%
  • Telecommunications
    9%
  • Consumer Staples
    9%
  • Health Care
    7%
  • Energy
    7%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

A concentrated exposure to technology and financial services sectors suggests a tilt towards areas with high growth potential but also higher volatility. The presence of consumer cyclicals and industrials further aligns the portfolio with cyclical market trends, which can offer significant upside during economic expansions. Diversifying into sectors with lower correlation to economic cycles, such as healthcare or utilities, might provide additional stability.

Regions Info

  • North America
    70%
  • Europe Developed
    16%
  • Asia Emerging
    4%
  • Asia Developed
    3%
  • Japan
    3%
  • Australasia
    3%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic allocation emphasizes North America and developed European markets, providing a solid foundation of stability and growth. However, the modest exposure to emerging markets in Asia and Latin America could limit potential returns from faster-growing economies. Increasing exposure to these regions could enhance growth prospects while introducing additional volatility and risk.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    33%
  • Mid-cap
    13%
  • Small-cap
    6%
  • Micro-cap
    5%

The portfolio's allocation across mega, big, and medium-cap stocks indicates a focus on established companies likely to offer stable returns. The inclusion of small and micro-cap stocks introduces growth potential but also adds volatility. Balancing these allocations can optimize the risk-return profile, especially in different market cycles.

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 appears well-optimized within its current asset allocation, striking a balance between growth potential and risk management. Utilizing the Efficient Frontier concept could identify opportunities to adjust allocations for an even better risk-return tradeoff. However, it's essential to consider that optimization based on historical data may not always predict future performance accurately.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab International Dividend Equity ETF 3.90%
  • VanEck Semiconductor ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 2.00%

The dividend yield of 2.00% contributes to the portfolio's total return, providing a steady income stream in addition to capital appreciation. This focus on dividends, particularly from the Schwab U.S. Dividend Equity and International Dividend Equity ETFs, is beneficial for investors seeking income alongside growth. Reviewing and potentially increasing exposure to high-dividend-yielding assets could further enhance income generation.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab International Dividend Equity ETF 0.14%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.13%

With a total expense ratio (TER) of 0.13%, the portfolio is cost-efficient, maximizing the investor's return potential. The low costs are commendable, particularly given the diversified exposure across various ETFs. Maintaining a focus on low-cost investments is crucial for long-term wealth accumulation.

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