A balanced portfolio blending global stocks, gold, and income-focused ETFs for cautious investors

Report created on Sep 21, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

Your portfolio is a well-structured mix of global equities, fixed income, gold, and small-cap value stocks, designed to offer a blend of growth, income, and stability. The largest allocation is to a global stock ETF, providing broad market exposure. The inclusion of gold and short-duration Treasury bonds adds a defensive element, potentially mitigating volatility. Small-cap value ETFs, both U.S. and international, introduce a tilt towards undervalued companies, which can offer growth opportunities. The diversification across asset classes and sectors is commendable, aligning with a cautious risk profile.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 11.96% and a maximum drawdown of -18.68%, your portfolio has demonstrated resilience and growth over time. The days contributing most to returns highlight the impact of significant market movements on performance. While past performance is promising, it's crucial to remember that it doesn't guarantee future results. Comparing this to benchmarks would help contextualize these figures, ensuring your portfolio's performance aligns with your investment goals and risk tolerance.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with the median scenario suggesting substantial growth. This method, using historical data to simulate future possibilities, can help gauge potential risk and return profiles. However, it's important to understand the limitations of this approach, as it cannot predict unforeseen market shifts. Regularly reviewing these projections in light of changing market conditions and personal circumstances will be key to staying aligned with your investment objectives.

Asset classes Info

  • Stocks
    68%
  • Bonds
    10%
  • Cash
    10%
  • Other
    10%
  • No data
    1%

Your portfolio's allocation across stocks, bonds, cash equivalents, and gold is a strong foundation for a diversified investment strategy. Stocks, as the majority, drive growth, while bonds and cash equivalents offer stability and income. Gold serves as a hedge against inflation and market volatility. This mix supports a cautious investment approach, balancing potential returns with risk management. Adjusting these allocations in response to changing market conditions or personal goals can further optimize your portfolio's performance.

Sectors Info

  • Technology
    16%
  • Financials
    12%
  • Industrials
    9%
  • Consumer Discretionary
    8%
  • Health Care
    6%
  • Telecommunications
    5%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

The sectoral allocation demonstrates a balanced approach, with significant representation in technology, financial services, and industrials. This diversification helps mitigate sector-specific risks. However, the emphasis on technology and financial services, sectors known for their volatility, may require monitoring, especially in fluctuating markets. Considering rebalancing towards sectors with lower volatility could enhance portfolio stability without significantly compromising growth potential.

Regions Info

  • North America
    48%
  • Europe Developed
    9%
  • Japan
    5%
  • Asia Emerging
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, your portfolio leans heavily on North America, with modest exposure to developed Europe, Japan, and emerging markets. This concentration in developed markets, particularly the U.S., aligns with a cautious risk profile but may limit exposure to high-growth opportunities in emerging markets. Incrementally increasing exposure to diversified emerging market funds could offer growth potential while maintaining a cautious stance.

Market capitalization Info

  • Mega-cap
    24%
  • Large-cap
    20%
  • Mid-cap
    14%
  • No data
    10%
  • Small-cap
    7%
  • Micro-cap
    3%

The market capitalization breakdown shows a balanced exposure across mega, big, and medium-sized companies, with a smaller allocation towards small and micro-cap stocks. This distribution suggests a focus on stability and growth, with the inclusion of smaller companies for potential high-growth opportunities. Regularly reviewing this allocation can ensure it remains aligned with your risk tolerance and market conditions.

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.

Considering the Efficient Frontier, your portfolio appears well-positioned to balance risk and return, a testament to its thoughtful construction. However, optimization isn't solely about achieving the perfect risk-return ratio; it also involves aligning with your evolving financial goals and risk tolerance. Periodically reviewing your portfolio's position relative to the Efficient Frontier can highlight opportunities for incremental adjustments, ensuring ongoing alignment with your objectives.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.50%
  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 5.60%
  • JPMorgan Equity Premium Income ETF 8.40%
  • iShares® 0-3 Month Treasury Bond ETF 4.40%
  • Vanguard Total World Stock Index Fund ETF Shares 1.40%
  • Weighted yield (per year) 2.80%

Your portfolio's diversified approach also extends to generating income through dividends, with a total yield of 2.80%. This income stream, particularly from the higher-yielding ETFs, contributes to overall returns and can provide a buffer during market downturns. Given the varying yields across the ETFs, regularly assessing the balance between income generation and growth potential will be crucial.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • SPDR® Gold Shares 0.40%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 0.21%
  • JPMorgan Equity Premium Income ETF 0.35%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.17%

With an overall portfolio expense ratio of 0.17%, your investment costs are low, enhancing net returns over time. This cost efficiency is particularly beneficial in a cautiously constructed portfolio, where maximizing every percentage point of return is vital. Continuing to monitor these costs, especially as you adjust your portfolio over time, will ensure they remain aligned with your investment goals.

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