Balanced portfolio emphasizing US equities with a global touch and low costs

Report created on Aug 8, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Your portfolio is heavily weighted towards US equities, comprising 80% of your investment through the Vanguard S&P 500 ETF, with the remaining 20% allocated to international stocks via the Vanguard Total International Stock Index Fund ETF Shares. This structure suggests a preference for the stability and growth potential of US markets, complemented by diversified international exposure to capture global opportunities. The portfolio's broad diversification across sectors and geographies, alongside a simple two-ETF structure, streamlines management and potentially mitigates risk.

Growth Info

Historically, your portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 13.28%, with a maximum drawdown of -33.91%. These figures highlight the portfolio's ability to generate strong returns while also emphasizing the inherent volatility and risks associated with equity investments. The days contributing most to returns underscore the unpredictable nature of stock markets, where a few significant days can disproportionately affect overall performance.

Projection Info

Monte Carlo simulations, using historical data to forecast future outcomes, suggest a wide range of potential performances for your portfolio. With the majority of simulations (974 out of 1,000) predicting positive returns, the median projection indicates a 319% increase, demonstrating optimism for future growth. However, the variability between the 5th and 67th percentiles underscores the uncertainty and risk involved in equity investing.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Your portfolio's allocation is nearly exclusive to stocks (99%), with a minimal cash reserve (1%). This high equity exposure aligns with a strategy focused on growth but also increases sensitivity to market volatility. Diversification across different asset classes could provide additional risk mitigation, potentially smoothing out returns during turbulent periods.

Sectors Info

  • Technology
    29%
  • Financials
    16%
  • Consumer Discretionary
    11%
  • Industrials
    9%
  • Health Care
    9%
  • Telecommunications
    9%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    2%

The sector allocation within your portfolio reflects a strong emphasis on technology, financial services, and consumer cyclicals, which are sectors known for their growth potential but also their higher volatility. This concentration may increase the portfolio's risk profile, especially during market downturns that disproportionately affect these sectors.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

With 81% of assets in North America and a significant portion in developed Europe and emerging Asian markets, your portfolio benefits from geographical diversification, though it leans heavily towards the US. This geographic spread can help mitigate region-specific risks and capitalize on growth in different parts of the world.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    34%
  • Mid-cap
    18%
  • Small-cap
    1%

The allocation towards mega (46%) and big (34%) cap stocks suggests a focus on established, large companies likely to offer stability and potential for steady growth. However, the limited exposure to small (1%) and micro (0%) cap stocks could mean missing out on high-growth opportunities these segments occasionally offer.

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's current allocation between US and international equities demonstrates a well-considered approach to balancing risk and return. However, there's always room to refine this balance, potentially by adjusting the weightings or diversifying further within asset classes and sectors to achieve an optimal risk-return profile.

Dividends Info

  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.52%

Your portfolio's dividend yield, averaging 1.52%, contributes to total returns and provides a modest income stream. While not the primary focus, these dividends offer a cushion during market dips and compound over time, enhancing long-term growth prospects.

Ongoing product costs Info

  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.03%

The exceptionally low costs associated with your ETFs (average Total Expense Ratio of 0.03%) are a significant advantage, allowing more of your investment to grow over time. Lower costs directly translate to higher net returns, a critical factor in long-term investment success.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey