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.
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Cautious stock and cash mix with strong diversification and limited but promising short term performance history

Report created on Jun 30, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio is dominated by ultra‑short US Treasury exposure at 45%, with the remaining 55% in equities. The stock side leans most heavily on a broad US large‑cap ETF, with a meaningful slice in international stocks and a smaller allocation to an AI‑focused thematic fund. Structurally, that means a big part of the portfolio sits in very low‑volatility instruments, with growth potential coming from diversified equity building blocks. Because the analysis window is only about 1.6 years, it captures just a short market phase, not a full cycle. So while the current mix looks clearly cautious and diversified, any pattern inferred from behavior so far should be treated as early evidence, not a stable long‑term profile.

Growth Info

Over the limited 1.6‑year period, $1,000 grew to about $1,313, implying a 19.2% compound annual growth rate (CAGR). CAGR is the “average speed” of growth per year, smoothing out bumps along the way. The portfolio’s maximum drawdown — its largest peak‑to‑trough drop — was under 10%, noticeably gentler than both US and global market benchmarks over the same span. It also slightly outpaced the global market and more clearly beat the US market. However, this is a short, specific slice of history during which cash‑like holdings benefitted from higher rates and equities did relatively well. This makes strong long‑term conclusions risky; the numbers are informative but not yet definitive.

Projection Info

The Monte Carlo projection uses the short historical return and volatility data to simulate 1,000 possible 15‑year paths for a $1,000 investment. Monte Carlo is like running many “what if” market scenarios drawn from past patterns to see a range of potential outcomes. Here, the median outcome lands around $2,394, with most simulations falling between roughly $1,832 and $3,164. The wide possible band — from about $1,252 to $4,466 — shows there is meaningful uncertainty. Because the input history is only about 1.6 years, the return and risk assumptions feeding the model may not reflect typical long‑run conditions, so these numbers are better viewed as illustrative ranges than precise forecasts.

Asset classes Info

  • Stocks
    55%
  • Cash
    45%

Asset‑class wise, the portfolio splits cleanly into 55% stocks and 45% cash‑like Treasuries. That’s a relatively conservative mix compared with many equity‑heavy reference portfolios, which often hold a much higher stock percentage. The large allocation to very short‑term Treasuries tends to dampen overall ups and downs and provides stability when equities are choppy. At the same time, it caps participation in strong equity rallies because nearly half the portfolio sits in low‑risk, low‑return instruments. Over just 1.6 years, this has produced a combination of solid returns and modest drawdowns, but it’s too early to say this balance will behave similarly across very different future market environments.

Sectors Info

  • Cash
    45%
  • Technology
    20%
  • Financials
    7%
  • Industrials
    6%
  • Consumer Discretionary
    5%
  • Telecommunications
    4%
  • Health Care
    4%
  • Energy
    2%
  • Basic Materials
    2%
  • Consumer Staples
    2%
  • Utilities
    1%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure on the equity side is reasonably spread out, with technology the largest single sector at 20% of the overall portfolio, followed by financials, industrials, and a mix of others. The 45% in cash‑like Treasuries sits outside the usual sector buckets and acts as a stabilizer. Compared with broad equity benchmarks, the overall sector mix looks reasonably balanced, without any extreme overweight in one economic area once the defensive cash component is recognized. Tech and AI‑linked holdings naturally bring more sensitivity to innovation‑driven themes, which can be more volatile during shifts in interest rates or growth expectations. In this short sample, that tilt has helped performance, but sector cycles can reverse over longer horizons.

Regions Info

  • Cash
    45%
  • North America
    39%
  • Europe Developed
    6%
  • Asia Developed
    4%
  • Japan
    2%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 39% of the portfolio is in North American equities, with the rest of the stock portion spread across developed Europe, developed Asia, Japan, emerging Asia, Australasia, and Africa/Middle East. The 45% cash‑like US Treasury allocation is separate from these regional equity buckets. Relative to common global equity benchmarks, the portfolio does show a home‑region lean, but still maintains meaningful exposure to multiple regions, which supports diversification across different economies and currencies. Over 1.6 years, that spread has reduced dependence on any single equity market’s short‑term swings. However, regional leadership tends to rotate over time, so this brief period doesn’t capture how the mix might behave across a full economic cycle.

Market capitalization Info

  • Mega-cap
    23%
  • Large-cap
    18%
  • Mid-cap
    11%
  • Small-cap
    2%

This breakdown covers the equity portion of your portfolio only.

Market‑cap exposure skews toward large and mega‑cap companies, which together make up 41% of the portfolio, with mid‑caps at 11% and small‑caps at 2% on the equity side. This pattern is broadly similar to major equity indices, which are naturally dominated by the largest companies. Bigger firms often have more diversified businesses and easier access to capital, which can make their share prices somewhat steadier than smaller peers, though not immune to volatility. Limited small‑cap exposure means less sensitivity to that segment’s often sharper ups and downs. The short historical window shows large‑cap strength, especially in technology, but small‑cap and mid‑cap leadership can change meaningfully in other market environments.

True holdings Info

  • BlackRock Cash Funds Treasury SL Agency
    3.32%
    Part of fund(s):
    • iShares 0-3 Month Treasury Bond ETF
  • NVIDIA Corporation
    2.68%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Apple Inc.
    2.40%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    1.75%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    1.38%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.16%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.11%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Micron Technology Inc
    1.04%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • VistaShares Artificial Intelligence Supercycle ETF
  • Alphabet Inc Class C
    0.92%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • SK Hynix Inc
    0.86%
    Part of fund(s):
    • Avantis All International Markets Equity ETF
    • Avantis® Emerging Markets Equity ETF
    • VistaShares Artificial Intelligence Supercycle ETF
  • Top 10 total 16.62%

This breakdown covers the equity portion of your portfolio only.

Looking through to the largest underlying holdings, the top names are familiar mega‑cap technology and communication companies, along with a sizeable cash‑management fund linked to the Treasury ETF. Giants like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, and Micron appear among the biggest contributors, some likely present in multiple ETFs. This overlap creates “hidden” concentration, because one company can influence performance through several funds at once. The coverage only captures ETF top‑10 holdings, so true overlap is probably higher than shown. Over the last 1.6 years, these mega‑caps have delivered strong returns, which boosts the portfolio, but their dominance also means that their future swings will matter more than weight alone might suggest.

Factors Info

Value
Preference for undervalued stocks
No data
Data availability: 0%
Size
Exposure to smaller companies
Very low
Data availability: 55%
Momentum
Exposure to recently outperforming stocks
No data
Data availability: 0%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
High
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 34%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

On the factor side, the portfolio shows a very low tilt to size and high tilts to yield and low volatility. Factor exposure is like checking what style “ingredients” drive returns beyond simple market direction. A very low size exposure means the portfolio leans strongly toward larger companies rather than smaller ones. High yield suggests a meaningful emphasis on income‑producing holdings, helped by the Treasury ETF and dividend‑paying equities. High low‑volatility exposure reflects the big allocation to ultra‑short Treasuries and possibly more stable equity names. Over this short history, that combination has produced solid returns with relatively contained drawdowns, but factor performance can rotate, so these tilts may behave differently in other market regimes.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 34.00%
    55.9%
  • Avantis All International Markets Equity ETF
    Weight: 15.00%
    22.4%
  • VistaShares Artificial Intelligence Supercycle ETF
    Weight: 6.00%
    21.7%
  • iShares 0-3 Month Treasury Bond ETF
    Weight: 45.00%
    0.0%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ a lot from its weight. Here, the S&P 500 ETF is 34% of assets but contributes about 56% of total risk. The international equity ETF, at 15% weight, adds around 22% of risk, and the 6% AI thematic fund contributes nearly 22% of risk by itself. The ultra‑short Treasury ETF, despite being 45% of the portfolio, adds essentially no risk in this period. This means that practically all volatility comes from just three equity positions, especially the S&P 500 and AI fund. Position sizing and underlying volatility together explain why a small slice can feel large in day‑to‑day moves.

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 efficient frontier analysis compares the current allocation to the best possible mixes you could build using the same holdings. The Sharpe ratio — return per unit of risk above the cash rate — is 1.2 for the current portfolio over this short sample. The model suggests that, given the recent behavior of these four ETFs, other weight combinations could achieve similar or better expected returns with less risk, placing the current mix about 7.3 percentage points below the frontier at its risk level. That means the portfolio has not been “efficient” relative to the best historical mix of these components. However, because only 1.6 years of data feed the optimization, these findings should be seen as provisional, not a stable long‑term rule.

Dividends Info

  • Avantis All International Markets Equity ETF 2.40%
  • iShares 0-3 Month Treasury Bond ETF 3.80%
  • Vanguard S&P 500 ETF 1.30%
  • Weighted yield (per year) 2.51%

The overall dividend yield is about 2.51%, combining income from Treasuries and equity funds. The Treasury ETF shows the highest yield at roughly 3.8%, reflecting the current interest rate environment for very short‑term US government debt. The international equity ETF offers a moderate yield around 2.4%, while the S&P 500 ETF yields about 1.3%. Dividend yield measures annual cash payouts as a percentage of the investment’s price, so it contributes a steady component of return on top of price movements. Over just 1.6 years, yields may fluctuate with interest rates and company policies, so today’s numbers may not represent a persistent long‑term income level, especially if broader rate conditions change meaningfully.

Ongoing product costs Info

  • Avantis All International Markets Equity ETF 0.31%
  • iShares 0-3 Month Treasury Bond ETF 0.07%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.09%

The portfolio’s weighted ongoing cost, or total expense ratio (TER), is low at about 0.09% per year. TER is the annual fee charged by funds to cover management and operating expenses, deducted inside the fund rather than billed separately. The core S&P 500 ETF is especially inexpensive, and even the more specialized international fund remains reasonably priced for its category. Lower fees mean more of the underlying investments’ return stays in the portfolio over time. Although 0.09% sounds tiny in any single year, cost differences compound across many years. Starting from such a low baseline is a structural advantage, particularly if the portfolio is intended to be held over long horizons, beyond the brief 1.6‑year history available here.

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