A well-diversified balanced portfolio with a focus on value and global exposure

Report created on Aug 17, 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 allocation across major global markets with a significant emphasis on U.S. and international stocks, including small-cap value ETFs. The majority of the portfolio is invested in the Vanguard Total Stock Market Index Fund ETF Shares and the Vanguard Total International Stock Index Fund ETF Shares, indicating a solid foundation in both U.S. and global equities. The inclusion of Avantis® ETFs focusing on U.S. and international small-cap value stocks, as well as emerging markets, highlights a deliberate tilt towards value investing and diversification across market capitalizations.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 10.56%, with a maximum drawdown of -25.02%. This performance suggests resilience and the potential for steady growth over time. The days contributing most to returns are relatively few, indicating that select periods of strong market performance significantly impact overall returns. This characteristic is typical in equity-focused portfolios, where volatility can lead to substantial short-term gains.

Projection Info

Utilizing Monte Carlo simulations, which project future performance based on historical data, this portfolio shows a wide range of outcomes. The median projection suggests a potential 233.1% increase, with a high degree of simulations resulting in positive returns. However, it's important to note that such simulations are based on past trends, which do not guarantee future performance. They offer a spectrum of possible outcomes to help investors understand risks and potential growth.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's allocation is heavily weighted towards stocks, making up 99% of the asset mix, with a minimal cash holding. This allocation aligns with a growth-oriented strategy but carries higher volatility and risk compared to more diversified asset class mixes. The absence of bonds or other fixed-income securities suggests a preference for capital appreciation over income generation and risk mitigation.

Sectors Info

  • Financials
    20%
  • Technology
    19%
  • Industrials
    14%
  • Consumer Discretionary
    12%
  • Health Care
    7%
  • Telecommunications
    6%
  • Energy
    6%
  • Basic Materials
    6%
  • Consumer Staples
    5%
  • Real Estate
    2%
  • Utilities
    2%

The sector allocation demonstrates a balanced approach, with significant investments in financial services, technology, and industrials. This sector diversity supports risk management by spreading exposure across different areas of the economy. However, the strong emphasis on tech and financial services sectors may increase sensitivity to market swings related to these industries.

Regions Info

  • North America
    63%
  • Europe Developed
    15%
  • Japan
    7%
  • Asia Emerging
    6%
  • Asia Developed
    4%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographic allocation underscores a strong bias towards North America and developed European markets, complemented by meaningful exposure to emerging markets and Asia. This global spread enhances diversification, potentially reducing the portfolio's vulnerability to regional economic downturns and capitalizing on growth opportunities in various parts of the world.

Market capitalization Info

  • Mega-cap
    30%
  • Large-cap
    23%
  • Mid-cap
    18%
  • Small-cap
    16%
  • Micro-cap
    11%

The market capitalization breakdown reveals a balanced approach, incorporating mega, big, medium, small, and micro-cap stocks. This diversification can mitigate risk and tap into the growth potential of smaller companies, which often outperform their larger counterparts over the long term, albeit with increased volatility.

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 current portfolio is positioned near the Efficient Frontier, indicating an optimized risk-return profile based on its existing asset allocation. This optimization suggests the portfolio is well-configured to achieve the highest possible returns for the given level of risk. However, continuous monitoring and adjustments are essential to maintain this efficiency, especially in response to changing market conditions.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.70%
  • Avantis® Emerging Markets Value ETF 3.90%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 2.02%

The portfolio's dividend yield stands at 2.02%, driven by the higher yields from the Avantis® ETFs. While not the primary focus, these dividends contribute to total returns and offer a modest income stream, which can be particularly beneficial during volatile or down market periods.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • 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) 0.11%

With an overall portfolio cost (Total Expense Ratio, or TER) of 0.11%, this portfolio is cost-efficient, enhancing net returns for the investor. The low costs are primarily due to the inclusion of Vanguard ETFs, known for their low expense ratios. Reducing investment costs is crucial for long-term growth, as even small fee differences can significantly impact returns over time.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey