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.

Balanced portfolio with strong tech focus and innovative exposure to digital assets

Report created on Aug 16, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio is structured with a heavy emphasis on equities (94%), specifically within the technology sector and large-cap stocks. This is balanced by a global diversification through the Vanguard Total International Stock Index Fund ETF Shares and a small but significant allocation to digital assets via the Fidelity Wise Origin Bitcoin Trust. The inclusion of the Avantis® U.S. Small Cap Value ETF introduces value investing and small-cap exposure, which can offer growth potential outside of the large-cap dominated funds.

Growth Info

Historically, this portfolio has shown impressive growth with a Compound Annual Growth Rate (CAGR) of 23.76%. However, it's important to remember that past performance is not indicative of future results. The maximum drawdown of -18.47% suggests that while the portfolio has experienced significant volatility, its diversified nature has helped manage downside risks effectively. The days contributing most to returns highlight the impact of short-term gains, underscoring the importance of staying invested through market cycles.

Projection Info

Monte Carlo simulations, which use historical data to forecast potential outcomes, show a wide range of possible future performances. With all simulations indicating positive returns and a median projected increase of over 4000%, the forward outlook appears robust. However, it's crucial to understand that these projections are hypothetical and subject to change based on actual market conditions.

Asset classes Info

  • Stocks
    94%
  • Other
    5%
  • Cash
    1%

The portfolio's asset class allocation leans heavily towards stocks, with a small allocation to digital assets and cash. This composition is aligned with a growth-oriented strategy but carries higher volatility and risk. Diversifying further into bonds or alternative assets could provide a buffer against market downturns and reduce overall portfolio volatility.

Sectors Info

  • Technology
    33%
  • Financials
    14%
  • Industrials
    9%
  • Health Care
    8%
  • Telecommunications
    7%
  • Consumer Discretionary
    6%
  • Consumer Staples
    5%
  • Energy
    3%
  • Consumer Discretionary
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

A 33% allocation to technology underscores a conviction in tech's growth prospects but also introduces sector-specific risk. The portfolio's sectoral spread, covering financial services, industrials, healthcare, and consumer sectors, suggests an attempt at broad-based exposure. However, the heavy tech weighting may increase sensitivity to market fluctuations within this sector.

Regions Info

  • North America
    76%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

With 76% of assets in North America and the remainder spread across developed and emerging markets, the portfolio has a strong home country bias. While this may reflect a comfort with domestic markets, increasing exposure to emerging markets could enhance diversification and potential for growth, given their faster economic growth rates.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    29%
  • Mid-cap
    15%
  • Small-cap
    4%
  • Micro-cap
    3%

The focus on mega and big-cap stocks (71% combined) aligns with the portfolio's risk-balanced profile, as these companies generally offer stability and resilience. However, the inclusion of medium, small, and micro-cap stocks, though minimal, is a positive step towards capturing the higher growth potential associated with smaller 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.

Using the Efficient Frontier to optimize the portfolio suggests there may be opportunities to achieve a better risk-return balance. While the current allocation is strong, slight adjustments to reduce concentration in certain sectors or increase diversification across asset classes and geographies could enhance performance without proportionately increasing risk.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Fidelity 500 Index Fund 0.90%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.20%

The overall dividend yield of 1.20% adds an income component to the portfolio, albeit modestly. Given the growth orientation, the yield is understandably lower than more income-focused portfolios. Investors seeking higher income might consider reallocating towards assets with higher dividend yields.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • Fidelity 500 Index Fund 0.02%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

The portfolio's total expense ratio (TER) of 0.06% is impressively low, enhancing net returns over time. Keeping costs minimal is crucial for long-term investment success, and this portfolio exemplifies cost efficiency in asset management.

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