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.
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A growth-focused portfolio with a blend of market caps and a slight tilt towards tech and financial sectors

Report created on Aug 19, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification
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Positions

This portfolio showcases a strategic mix of ETFs across various market caps, sectors, and geographies, with a significant emphasis on momentum strategies within the U.S. stock market. The broad diversification across asset classes, primarily stocks, and a minor allocation to alternative investments like gold and cryptocurrencies, reflect a growth-oriented approach. The portfolio's structure, favoring momentum ETFs, suggests an attempt to capitalize on trends, which is a common strategy for investors seeking higher returns but also comes with higher volatility.

Growth Info

Historical performance data indicates a strong Compound Annual Growth Rate (CAGR) of 21.41%, with a maximum drawdown of -17.49%. These figures suggest that the portfolio has experienced substantial growth, albeit with periods of significant declines. The days contributing most to returns highlight the portfolio's sensitivity to market movements, underscoring the importance of timing in a momentum-based strategy. Comparatively, this performance might outpace many benchmarks, especially given the high growth focus.

Projection Info

Monte Carlo simulations project a wide range of outcomes, emphasizing the uncertainty inherent in investing. With a majority of simulations predicting positive returns, the projection underscores the growth potential of this portfolio. However, the vast difference between the 5th and 67th percentiles highlights the risk of substantial variability in returns. This tool helps in visualizing potential future scenarios but should be interpreted with caution as past performance is not indicative of future results.

Asset classes Info

  • Stocks
    95%
  • Other
    5%

The portfolio's allocation is heavily weighted towards stocks (95%), with a small portion in alternatives (5%). This high equity exposure aligns with the portfolio's growth profile but also increases its volatility and risk, particularly in market downturns. The minimal allocation to alternatives like gold and cryptocurrencies offers some diversification benefits, although their effectiveness is limited by the small percentage.

Sectors Info

  • Financials
    21%
  • Technology
    20%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Telecommunications
    7%
  • Health Care
    7%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    3%
  • Real Estate
    3%
  • Utilities
    2%

The sectoral distribution shows a concentration in financial services and technology, which are sectors often associated with high growth but also higher risk. The portfolio's sector allocation reflects a common strategy among growth investors to leverage sectors with higher potential returns. However, this concentration can increase susceptibility to sector-specific downturns, suggesting a need for careful monitoring of sector exposures.

Regions Info

  • North America
    75%
  • Europe Developed
    9%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

With 75% of assets allocated to North America and a diversified spread across other developed and emerging markets, the portfolio is well-positioned to capture global growth. However, the heavy weighting towards North American equities, particularly the U.S., may expose the portfolio to regional economic cycles and geopolitical risks. Increasing exposure to underrepresented regions could enhance diversification and potentially mitigate some geographic risks.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    26%
  • Mid-cap
    16%
  • Small-cap
    15%
  • Micro-cap
    3%

The portfolio's market capitalization exposure is balanced across mega, big, medium, small, and micro caps. This diversification can help smooth out performance over time, as different market caps tend to perform differently across economic cycles. However, the significant allocation to mega and big caps suggests a tilt towards more established, less volatile companies, which may temper overall portfolio volatility.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Invesco S&P 500® Momentum ETF
    High correlation

The high correlation between the Vanguard Total Stock Market Index Fund ETF Shares and the Invesco S&P 500® Momentum ETF indicates overlapping exposure, which could limit diversification benefits. Reducing redundancy by reallocating from highly correlated assets to those with lower correlations can enhance portfolio efficiency without necessarily increasing risk.

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 portfolio's current structure suggests room for optimization, particularly in reducing overlap among highly correlated assets. By reallocating towards a more efficient mix, the portfolio could potentially achieve a higher expected return for the same level of risk. This optimization process involves balancing the trade-offs between risk and return while considering the investor's goals and risk tolerance.

Dividends Info

  • Dimensional ETF Trust - Dimensional Emerging Markets Value ETF 3.00%
  • Dimensional International Value ETF 3.20%
  • Invesco S&P International Developed Momentum ETF 1.90%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Invesco S&P SmallCap Momentum ETF 0.90%
  • Weighted yield (per year) 1.27%

The portfolio's overall dividend yield is modest, reflecting its growth focus over income generation. While dividends contribute to total returns, the primary goal here appears to be capital appreciation. Investors should consider their need for income versus growth when assessing the suitability of this portfolio's yield profile.

Ongoing product costs Info

  • Dimensional ETF Trust - Dimensional Emerging Markets Value ETF 0.43%
  • Dimensional International Value ETF 0.27%
  • SPDR Gold Mini Shares 0.10%
  • iShares Bitcoin Trust 0.12%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Invesco S&P SmallCap Momentum ETF 0.39%
  • iShares Ethereum Trust ETF 0.25%
  • Weighted costs total (per year) 0.18%

With a total expense ratio (TER) of 0.18%, the portfolio's costs are relatively low, which is beneficial for long-term growth. Lower costs mean more of the investment returns are retained by the investor, a crucial factor in compounding growth over time. It's important to regularly review expense ratios as part of ongoing portfolio management to ensure they remain competitive.

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