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.

A balanced portfolio blending stocks and funds with a focus on healthcare and technology sectors

Report created on Aug 20, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio is characterized by a strategic mix of index funds, individual stocks, and ETFs, with a significant allocation towards the Vanguard Total Stock Market Index Fund Admiral Shares and UnitedHealth Group Incorporated. The heavy weighting in a broad market index fund alongside a large stake in a single healthcare company suggests a blend of market-wide exposure with sector-specific conviction bets. The presence of both developed and emerging market funds indicates a pursuit of global diversification.

Growth Info

Historically, this portfolio has shown a Compound Annual Growth Rate (CAGR) of 6.34%, with a maximum drawdown of -15.67%. These figures suggest a relatively stable performance with periods of significant value decline. The performance is anchored by broad market movements and the specific sectors the portfolio is exposed to. Given the historical volatility, investors should calibrate their expectations for future returns against past performance, keeping in mind that past success is not a predictor of future results.

Projection Info

Monte Carlo simulations, which use historical data to project potential future outcomes, indicate a wide range of possible portfolio values. With a median projected increase of 323.2% and a significant portion of simulations (85.1%) resulting in positive returns, the outlook seems optimistic. However, the 5th percentile outcome of -52.2% underscores the risk of substantial losses. These projections should be viewed as one of many tools in assessing potential future performance, not as guarantees.

Asset classes Info

  • Stocks
    92%
  • Other
    4%
  • Bonds
    3%
  • Cash
    2%

The portfolio's asset allocation leans heavily towards stocks (92%), with minimal exposure to bonds (3%) and cash equivalents (2%). This distribution reflects a growth-oriented strategy but carries higher volatility and risk, especially in market downturns. Diversifying across different asset classes can provide a buffer against stock market volatility, suggesting a potential area for rebalancing, especially for investors with a lower risk tolerance.

Sectors Info

  • Health Care
    23%
  • Technology
    21%
  • Financials
    11%
  • Telecommunications
    9%
  • Industrials
    6%
  • Consumer Discretionary
    5%
  • Real Estate
    4%
  • Consumer Discretionary
    4%
  • Consumer Staples
    3%
  • Basic Materials
    2%
  • Energy
    2%
  • Utilities
    1%

Sector allocation is concentrated in healthcare (23%) and technology (21%), with financial services and communication services also representing significant portions. This concentration in high-growth sectors can offer substantial returns but also increases susceptibility to sector-specific downturns. Diversifying across a broader range of sectors could mitigate risks without significantly diluting potential returns.

Regions Info

  • North America
    70%
  • Europe Developed
    11%
  • Asia Emerging
    4%
  • Japan
    3%
  • No data
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic exposure is predominantly in North America (70%), with developed Europe (11%) and emerging Asia (4%) providing some international diversity. While the portfolio benefits from the stability and growth potential of North American markets, increasing exposure to other regions could enhance diversification and tap into growth opportunities in emerging markets.

Market capitalization Info

  • Mega-cap
    55%
  • Large-cap
    21%
  • Mid-cap
    11%
  • Small-cap
    3%
  • Micro-cap
    1%

The portfolio's market capitalization exposure is skewed towards mega (55%) and big (21%) cap stocks, reflecting a preference for large, established companies. While this can offer stability, incorporating more medium, small, or micro-cap stocks could enhance growth potential and diversification, albeit with increased volatility.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund Admiral Shares
    JPMorgan Nasdaq Equity Premium Income ETF
    Schwab U.S. Large-Cap Growth ETF
    Invesco S&P 500® Momentum ETF
    High correlation

Assets like the Vanguard Total Stock Market Index Fund and various ETFs show high correlation, indicating overlapping exposures that may limit the portfolio's diversification benefits. Reducing asset overlap can enhance the portfolio's ability to withstand market volatility by ensuring that not all investments are likely to move in the same direction simultaneously.

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.

Optimization analysis suggests that there is room for improvement in the portfolio's risk-return profile. By addressing the identified asset overlap and rebalancing towards a more efficient allocation, the portfolio could potentially achieve an expected return of 4.59% at a similar risk level. This optimization underscores the importance of regularly reviewing and adjusting the portfolio to maintain alignment with investment goals and risk tolerance.

Dividends Info

  • Applied Materials Inc 1.00%
  • ASML Holding NV ADR 0.90%
  • Alphabet Inc Class A 0.40%
  • JPMorgan Nasdaq Equity Premium Income ETF 11.20%
  • Meta Platforms Inc. 0.30%
  • Microsoft Corporation 0.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • iShares® 0-3 Month Treasury Bond ETF 4.40%
  • Invesco S&P 500® Momentum ETF 0.60%
  • UnitedHealth Group Incorporated 2.80%
  • Vanguard Total Bond Market Index Fund Admiral Shares 3.10%
  • VANGUARD EMERGING MARKETS STOCK INDEX FUND ADMIRAL SHARES 2.40%
  • VANGUARD REIT INDEX FUND ADMIRAL SHARES 2.90%
  • Vanguard Federal Money Market Fund Investor Shares 3.80%
  • VANGUARD TOTAL INTERNATIONAL BOND INDEX FUND ADMIRAL SHARES 3.90%
  • VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES 1.90%
  • Vanguard Total Stock Market Index Fund Admiral Shares 0.90%
  • Financial Select Sector SPDR® Fund 1.40%
  • Weighted yield (per year) 1.75%

The portfolio has a diverse range of dividend yields, contributing to its total yield of 1.75%. While dividends provide a steady income stream and can indicate financial health in companies, relying solely on dividend yield for investment decisions may overlook growth opportunities in non-dividend-paying sectors or assets.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Total Bond Market Index Fund Admiral Shares 0.04%
  • VANGUARD EMERGING MARKETS STOCK INDEX FUND ADMIRAL SHARES 0.13%
  • VANGUARD REIT INDEX FUND ADMIRAL SHARES 0.13%
  • VANGUARD TOTAL INTERNATIONAL BOND INDEX FUND ADMIRAL SHARES 0.10%
  • VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES 0.05%
  • Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
  • Financial Select Sector SPDR® Fund 0.09%
  • iShares Ethereum Trust ETF 0.25%
  • Weighted costs total (per year) 0.05%

The portfolio's overall expense ratio (TotalTER) of 0.05% is impressively low, enhancing long-term returns by minimizing costs. This efficient cost structure is a strong foundation, but investors should remain vigilant about any portfolio additions or rebalancing actions that could increase costs.

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