This portfolio has only about 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 and highly diversified portfolio with strategic exposure to both traditional and alternative assets

Report created on Aug 6, 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 well-structured, offering a broad mix of asset classes and sectors, with a significant emphasis on stocks (74%) and a strategic allocation to bonds (10%) and alternative investments (15%). The heavy weighting in Vanguard's Total Stock Market and International Stock Index Funds underscores a commitment to diversified equity exposure, while the inclusion of cryptocurrency and precious metals ETFs indicates an appetite for higher-risk, potentially higher-reward assets. This blend suggests a balanced approach, aiming to capture growth while hedging against market volatility with bonds and non-traditional assets.

Growth Info

Historically, the portfolio has demonstrated robust performance with a Compound Annual Growth Rate (CAGR) of 21.56% and a maximum drawdown of -16.76%. The days contributing most significantly to returns highlight the impact of short-term, high-gain events, underlining the portfolio's exposure to market volatility but also its resilience. When compared to a benchmark, these figures suggest that the portfolio's diversified approach has effectively balanced risk and return, outperforming more conservative strategies.

Projection Info

Forward projections, using Monte Carlo simulations, show a wide range of potential outcomes but lean towards positive growth, with 994 out of 1,000 simulations indicating a gain. This suggests a high probability of future growth, albeit with inherent uncertainties. It's crucial to remember that these projections are based on historical data, which is not a guarantee of future performance. They provide a useful, albeit imperfect, tool for gauging potential risk and return.

Asset classes Info

  • Stocks
    74%
  • Other
    15%
  • Bonds
    10%
  • Cash
    1%

The allocation across asset classes is well-considered, with a heavy tilt towards equities for growth, complemented by bonds and alternative investments for risk management. This diversified approach is suitable for balancing potential returns with volatility. However, the 15% allocation to alternatives, including cryptocurrencies and precious metals, is relatively high and may introduce additional volatility and risk.

Sectors Info

  • Technology
    18%
  • Financials
    12%
  • Industrials
    9%
  • Consumer Discretionary
    7%
  • Health Care
    7%
  • Telecommunications
    6%
  • Energy
    5%
  • Consumer Staples
    4%
  • Utilities
    3%
  • Basic Materials
    2%
  • Real Estate
    2%

Sectoral allocation is broadly diversified, with a heavier emphasis on technology and financial services, which are sectors often associated with higher growth potential. However, this concentration also carries sector-specific risks, such as regulatory changes or economic cycles affecting these industries more significantly. Balancing these with investments in more stable sectors like healthcare and consumer defensive could provide a more resilient portfolio against market fluctuations.

Regions Info

  • North America
    55%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographic distribution shows a strong bias towards North America (55%), which, while benefiting from the robust US market, may under-represent opportunities in emerging markets and developed international markets. Expanding international exposure could enhance diversification and potentially capture higher growth rates in other regions, reducing the portfolio's vulnerability to regional economic downturns.

Market capitalization Info

  • Mega-cap
    30%
  • Large-cap
    23%
  • Mid-cap
    15%
  • Small-cap
    5%
  • Micro-cap
    2%

The market capitalization breakdown indicates a balanced approach, with a mix of mega, big, and medium-cap stocks. This suggests a strategy that seeks to balance the stability of large-cap companies with the growth potential of medium-cap firms. However, the relatively small allocation to small and micro-caps could mean missing out on higher growth opportunities in these segments.

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 Efficient Frontier analysis suggests that the portfolio is near optimal in terms of the risk-return trade-off, given its current composition. However, there's always room for improvement, especially in adapting to changing market conditions or personal financial goals. Regularly reviewing and adjusting the asset allocation can help maintain this optimization over time.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • Vanguard Total International Bond Index Fund ETF Shares 4.30%
  • VanEck Uranium+Nuclear Energy ETF 0.50%
  • Exchange Traded Concepts Trust 0.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.57%

The portfolio's dividend yield contributes to its total return, adding a layer of income on top of capital appreciation. While the overall yield is moderate, it reflects a balanced approach between growth-oriented investments and income-generating assets. For investors particularly focused on income, adjusting the bond allocation or considering higher-dividend-yielding equities could enhance the portfolio's income profile.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Bond Index Fund ETF Shares 0.07%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • VanEck Uranium+Nuclear Energy ETF 0.61%
  • Exchange Traded Concepts Trust 0.85%
  • 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) 0.08%

The Total Expense Ratio (TER) of the portfolio is impressively low, supporting better long-term performance by minimizing the drag on returns due to fees. This is particularly commendable given the inclusion of specialized ETFs, which typically carry higher expense ratios than broad market index funds. Continued attention to keeping costs low is advisable, especially when considering new investments or rebalancing.

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