A balanced yet growth-focused portfolio with a strong tilt towards momentum strategies

Report created on Aug 3, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is primarily invested in ETFs, with a significant emphasis on momentum strategies within the S&P 500 and international developed markets, making up 70% of the portfolio. The inclusion of a broad market ETF and specific sector and credit opportunities diversifies the investment approach but maintains a focus on equities. This structure suggests a strategy that seeks to capitalize on trends, with a moderate diversification across sectors and geographies.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 22.55% and a maximum drawdown of -16.46%, the portfolio has demonstrated robust growth with a relatively moderate level of risk. The days contributing most to returns highlight the portfolio's sensitivity to market movements, a characteristic of momentum strategies. Comparing this to a benchmark would depend on the specific strategies and indexes followed, but generally, this performance indicates strong management and market timing.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with a median increase of 1,677.7% in portfolio value, showcasing the potential for significant growth. This forward-looking analysis, while based on historical data, underscores the importance of understanding market volatility and the impact of external factors on portfolio performance. It's crucial to remember that these projections are hypothetical and not guarantees of future performance.

Asset classes Info

  • Stocks
    95%
  • Bonds
    5%

The portfolio's allocation is heavily weighted towards stocks at 95%, with a minimal bond presence. This asset class distribution supports a growth-oriented strategy but comes with higher volatility and risk. The minimal bond allocation provides limited cushioning against stock market downturns, emphasizing the portfolio's aggressive stance.

Sectors Info

  • Financials
    24%
  • Technology
    21%
  • Consumer Discretionary
    11%
  • Industrials
    10%
  • Telecommunications
    9%
  • Consumer Staples
    6%
  • Health Care
    5%
  • Energy
    3%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    2%

The sectoral distribution is well-diversified, with a heavier allocation in financial services and technology, which are sectors often associated with higher growth but also higher volatility. The spread across consumer cyclicals, industrials, and communication services further balances the portfolio, although the concentration in growth sectors suggests a higher risk and reward profile.

Regions Info

  • North America
    77%
  • Europe Developed
    11%
  • Japan
    3%
  • Australasia
    2%
  • Asia Developed
    1%

With 77% of assets in North America and a modest exposure to developed Europe and Japan, the portfolio is heavily tilted towards developed markets. This geographic allocation supports stability and growth potential but may limit exposure to emerging market dynamism. The minimal allocation to emerging and frontier markets suggests a cautious approach to geopolitical and currency risks.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    30%
  • Mid-cap
    13%
  • Small-cap
    8%

The focus on mega and big-cap stocks, constituting 73% of the portfolio, aligns with a preference for established, stable companies likely to offer steady growth and resilience in volatile markets. The presence of medium and small-cap stocks introduces growth potential but also adds volatility and 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.

The current portfolio's expected return is below the optimal portfolio's 7.91% at the same risk level, suggesting room for improvement in allocation efficiency. Adjusting the asset mix could potentially achieve a better risk-return balance, aligning more closely with the Efficient Frontier, which represents the most efficient portfolio composition by maximizing returns for a given level of risk.

Dividends Info

  • Avantis® International Equity ETF 2.90%
  • FS Credit Opportunities Corp. 10.20%
  • Invesco S&P International Developed Momentum ETF 2.00%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 5.30%
  • Invesco S&P 500® Momentum ETF 0.60%
  • SPDR® Portfolio S&P 1500 Composite Stock Market ETF 1.20%
  • Weighted yield (per year) 1.90%

The overall dividend yield of 1.90% points to a moderate income component, which is typical for growth-focused portfolios prioritizing capital appreciation over income. The high yield from FS Credit Opportunities Corp. is an outlier, offering income but also indicating higher risk within the fixed income allocation.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 0.21%
  • Invesco S&P 500® Momentum ETF 0.13%
  • SPDR® Portfolio S&P 1500 Composite Stock Market ETF 0.03%
  • Weighted costs total (per year) 0.11%

The portfolio's total expense ratio (TER) of 0.11% is impressively low, especially given the active strategies implied by the momentum ETFs. This cost efficiency is beneficial for long-term growth, as lower costs directly translate to higher net returns for investors.

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