This portfolio has only about 10 months 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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A well-rounded portfolio with a cautious approach and an emphasis on global diversification

Report created on Jun 4, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification
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Positions

The portfolio is predominantly invested in broad market ETFs, with a 60% allocation in global stocks and a 35% stake in the bond market, reflecting a cautious but growth-oriented strategy. The inclusion of 2.5% in gold and 2.5% in Bitcoin provides a hedge against inflation and currency devaluation, albeit with an added layer of volatility. This composition aligns with a diversified investment approach, aiming to mitigate risks while capturing global market returns. The balance between equities and bonds suggests a moderate risk tolerance, geared towards investors who seek steady growth with some protection against market downturns.

Growth Info

With a historical Compound Annual Growth Rate (CAGR) of 11.83% and a maximum drawdown of -10.44%, the portfolio demonstrates a solid performance with relatively controlled volatility. The days contributing to 90% of returns being limited to four indicates that significant gains were concentrated in brief periods, highlighting the impact of market timing and the importance of staying invested during volatile phases. Comparing these metrics to benchmarks could provide further insights into performance relative to peers.

Projection Info

Monte Carlo simulations, which use historical data to forecast a range of potential future outcomes, suggest a wide dispersion in potential returns, with the median scenario yielding a 5,362.0% increase. While these projections offer a glimpse into possible futures, it's crucial to remember that they are based on past trends, which may not always predict future performance accurately. This underscores the importance of a diversified and balanced approach to investing, as embodied by this portfolio.

Asset classes Info

  • Stocks
    59%
  • Bonds
    35%
  • Other
    3%
  • Cash
    1%

The allocation across stocks (59%), bonds (35%), and other assets (3%) with a small cash position (1%) is indicative of a well-thought-out strategy to balance growth with risk management. Stocks offer growth potential, bonds provide income and stability, and alternative investments like gold and Bitcoin introduce non-correlated assets to the mix, potentially enhancing diversification and hedging against inflation.

Sectors Info

  • Technology
    14%
  • Financials
    11%
  • Industrials
    7%
  • Consumer Discretionary
    6%
  • Health Care
    6%
  • Telecommunications
    5%
  • Consumer Staples
    4%
  • Basic Materials
    2%
  • Energy
    2%
  • Real Estate
    2%
  • Utilities
    2%

This portfolio's sector allocation, with technology and financial services leading, is reflective of the global market's composition. However, the balanced exposure across industrials, healthcare, and consumer sectors suggests a methodical approach to diversification, aiming to reduce sector-specific risks. Given the rapid evolution of sectors like technology, ongoing monitoring is advisable to ensure alignment with long-term investment objectives.

Regions Info

  • North America
    39%
  • Europe Developed
    9%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic distribution, heavily weighted towards North America (39%), with diversified exposure to developed and emerging markets in Europe and Asia, positions the portfolio well to capture global economic growth. However, the modest allocation to emerging markets and other regions might limit exposure to high-growth opportunities outside of developed markets. Considering a slight increase in these areas could enhance growth prospects and diversification.

Market capitalization Info

  • Mega-cap
    26%
  • Large-cap
    18%
  • Mid-cap
    11%
  • Small-cap
    3%

With a focus on mega (26%) and big (18%) cap stocks, the portfolio is skewed towards more stable, established companies, which is consistent with its cautious profile. However, this may limit exposure to the potentially higher growth rates of mid, small, and micro-cap companies. A rebalancing to include a broader market cap spectrum could offer a better risk-reward balance, especially for long-term growth.

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.

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The current portfolio's efficiency could be improved, as indicated by the potential for a higher expected return at the same risk level. Achieving an optimal balance of risk and return involves regularly reassessing asset allocation and possibly diversifying further within asset classes or adjusting the weightings of existing holdings. This process, guided by the principles of the Efficient Frontier, seeks to maximize returns for any given level of risk.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • Vanguard Total World Stock Index Fund ETF Shares 1.80%
  • Weighted yield (per year) 2.41%

The portfolio's dividend yield from bonds (3.80%) and stocks (1.80%) contributes to a total yield of 2.41%, providing a steady income stream. This is particularly beneficial for investors who appreciate regular income alongside capital appreciation. The balance between income-generating bonds and growth-oriented stocks and alternative assets like gold and Bitcoin supports both income and long-term growth objectives.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • iShares® Gold Trust Micro 0.09%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Grayscale Bitcoin Mini Trust (BTC) 0.45%
  • Weighted costs total (per year) 0.07%

With a total expense ratio (TER) averaging 0.07%, the portfolio benefits from low-cost investments, which is crucial for long-term growth as costs can significantly erode returns over time. The higher cost associated with the Bitcoin trust (0.45%) is notable, but given its small portfolio weighting, its impact is minimized. Continuous monitoring of fees and considering even lower-cost alternatives for each asset class could further enhance net returns.

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