Balanced portfolio with a strong tilt towards S&P 500 and high dividend international exposure

Report created on Nov 24, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is heavily weighted towards the Vanguard S&P 500 ETF, making up 70% of the allocation, followed by a 15% allocation each to Janus Henderson AAA CLO ETF and Vanguard International High Dividend Yield Index Fund ETF Shares. This composition reflects a strategy that leans heavily on US equities for growth, complemented by specific income-generating assets and international diversification. The balance between US and international exposure, alongside a mix of stocks and bonds, indicates a balanced approach to risk and return.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 13.99%, with a maximum drawdown of -21.42%. This performance suggests a relatively strong return profile given the balanced risk classification, though the drawdown indicates periods of significant value decline. The days contributing most to returns highlight the impact of short-term gains, emphasizing the importance of staying invested during volatile periods for overall performance.

Projection Info

Using Monte Carlo simulations, which project future outcomes based on historical data, the portfolio has a wide range of potential future performances. The simulations suggest an average annualized return of 12.49%, with a 50th percentile outcome significantly higher than the initial investment. However, it's crucial to remember that these projections are speculative and depend on past market behavior, which may not predict future performance accurately.

Asset classes Info

  • Stocks
    85%
  • Bonds
    15%

The portfolio's asset class distribution shows a strong preference for stocks (85%) over bonds (15%), with no allocation to cash or other assets. This stock-heavy approach aligns with the portfolio's growth orientation but carries higher volatility. The bond allocation, though smaller, provides some income and can help buffer against stock market downturns, contributing to the portfolio's balanced risk profile.

Sectors Info

  • Technology
    27%
  • Financials
    15%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    7%
  • Industrials
    6%
  • Consumer Staples
    4%
  • Energy
    3%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    2%

Sector allocation is diverse, with the largest exposures in Technology, Financial Services, and Consumer Cyclicals. This sectoral spread supports growth potential but also exposes the portfolio to sector-specific risks, such as regulatory changes in technology or economic cycles affecting consumer spending. The presence of defensive sectors like Healthcare and Utilities offers some stability amidst market volatility.

Regions Info

  • North America
    71%
  • Europe Developed
    7%
  • Japan
    2%
  • Asia Emerging
    1%
  • Asia Developed
    1%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographic distribution is predominantly North American (71%), with modest exposures to developed Europe, Japan, and emerging Asian markets. This heavy North American focus capitalizes on the robust US economy but limits global diversification benefits. Expanding into underrepresented regions could enhance growth potential and reduce geographic concentration risk.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    29%
  • Mid-cap
    14%
  • Small-cap
    1%

The market capitalization breakdown reveals a preference for Mega and Big cap stocks, which are typically more stable and less volatile than smaller companies. However, this focus may limit the portfolio's exposure to high-growth potential offered by Medium, Small, and Micro cap stocks. Diversifying across different market caps can potentially enhance returns and reduce risk through broader market representation.

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.

When considering the Efficient Frontier, this portfolio shows a good but potentially improvable risk-return trade-off. Adjustments in asset allocation could further optimize its position on the Efficient Frontier, enhancing returns for a given level of risk. However, any optimization should be aligned with the investor's risk tolerance, investment goals, and market outlook.

Dividends Info

  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 5.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 3.90%
  • Weighted yield (per year) 2.25%

The portfolio's dividend yield is a blend of the higher yields from the Janus Henderson AAA CLO ETF and Vanguard International High Dividend Yield Index Fund ETF Shares, with a more modest contribution from the Vanguard S&P 500 ETF. This mix supports the portfolio's income generation, contributing to its total return and offering a buffer in market downturns.

Ongoing product costs Info

  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 0.21%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Weighted costs total (per year) 0.09%

The portfolio's total expense ratio (TER) is relatively low, enhancing its attractiveness by minimizing the drag on returns from fees. Lower costs are particularly beneficial over the long term, as they compound alongside investment returns. This cost efficiency is a positive aspect of the portfolio, supporting better net performance.

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