This portfolio has only about 1.6 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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Balanced portfolio with a strong focus on technology and North American equities

Report created on Jun 10, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

This portfolio is characterized by a balanced yet concentrated approach, with significant allocations to U.S. equities and technology. The inclusion of international small-cap value, mid-cap value, and various growth-focused ETFs indicates a strategy that seeks to blend value and growth investing. The equal weighting of several core ETFs suggests an attempt to diversify across market capitalizations and sectors, though the portfolio leans heavily towards stocks, with 100% allocation in this asset class and no exposure to bonds or cash.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 23.79% and a maximum drawdown of -18.53%, the portfolio has demonstrated strong historical performance. The days contributing most significantly to returns highlight the impact of short-term gains, underscoring the volatility and potential for rapid growth within the portfolio. This performance, while impressive, should be viewed with caution, as past results do not guarantee future returns.

Projection Info

Using Monte Carlo simulation, which projects future performance based on historical data, this portfolio shows a wide range of potential outcomes. The median projection suggests a substantial increase, but the range from the 5th to 67th percentiles underscores the risk and uncertainty inherent in investing. While these simulations can offer insight, they rely on past market behavior, which may not predict future trends accurately.

Asset classes Info

  • Stocks
    100%

The portfolio's exclusive investment in stocks, without diversification into bonds or cash, positions it for higher potential returns but also higher risk. This all-equity strategy may be suitable for investors with a higher risk tolerance and a longer time horizon, as it lacks the stabilizing effect of bonds, which can mitigate volatility and reduce overall risk.

Sectors Info

  • Technology
    27%
  • Financials
    15%
  • Consumer Discretionary
    13%
  • Industrials
    11%
  • Health Care
    7%
  • Telecommunications
    6%
  • Basic Materials
    6%
  • Consumer Staples
    5%
  • Energy
    5%
  • Utilities
    3%
  • Real Estate
    2%

The technology sector's dominant 27% allocation reflects a bullish outlook on tech but also introduces sector-specific risk. The diversified presence across financial services, consumer cyclicals, and industrials provides some balance. However, the heavy tech focus may lead to increased volatility, particularly in market downturns or during shifts in economic policy affecting the tech industry.

Regions Info

  • North America
    86%
  • Europe Developed
    6%
  • Japan
    5%
  • Australasia
    1%
  • Africa/Middle East
    1%

With 86% of assets in North America, the portfolio shows a strong home bias, which may limit exposure to potential growth in other regions. The modest allocations to Europe and Japan, combined with negligible investments in emerging markets, suggest an area for potential diversification to mitigate geopolitical risks and tap into global growth opportunities.

Market capitalization Info

  • Mid-cap
    41%
  • Mega-cap
    29%
  • Large-cap
    17%
  • Small-cap
    12%
  • Micro-cap
    1%

The mix of medium, mega, big, small, and micro-cap stocks is indicative of a strategy seeking to balance the stability of large companies with the growth potential of smaller firms. This spread across market capitalizations can provide a hedge against market cycles, as different segments may react differently to economic changes.

Redundant positions Info

  • Technology Select Sector SPDR® Fund
    Vanguard Growth Index Fund ETF Shares
    Schwab U.S. Large-Cap Growth ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    Vanguard S&P 500 ETF
    High correlation

The high correlation among the technology-focused and large-cap growth ETFs limits the portfolio's diversification benefits. During market downturns, these assets are likely to move in tandem, increasing the portfolio's risk. Reducing overlap by reallocating from highly correlated assets to those with lower correlations could enhance diversification and potentially reduce volatility.

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 portfolio could be optimized by addressing the high correlation among certain assets, which currently limits diversification benefits. By reallocating from overlapping investments to less correlated assets, the portfolio can achieve a more efficient risk-return profile, potentially enhancing returns for a given level of risk.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.60%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Mid-Cap Value Index Fund ETF Shares 2.30%
  • Vanguard S&P 500 ETF 1.30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.30%
  • Vanguard Growth Index Fund ETF Shares 0.50%
  • Technology Select Sector SPDR® Fund 0.70%
  • American Century ETF Trust 1.40%
  • Weighted yield (per year) 1.61%

The overall dividend yield of 1.61% contributes to the portfolio's total return, blending growth and income. While the yield is modest, it reflects the growth orientation of the portfolio, where dividend payouts are often lower than in more income-focused investments. For investors seeking income, a higher allocation to higher-yielding assets might be considered.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Mid-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Technology Select Sector SPDR® Fund 0.09%
  • American Century ETF Trust 0.20%
  • Weighted costs total (per year) 0.12%

With an average Total Expense Ratio (TER) of 0.12%, the portfolio benefits from relatively low costs, which can significantly enhance long-term returns. The focus on low-cost ETFs is a prudent strategy, minimizing the drag on performance that higher fees can cause.

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