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.

A balanced and broadly diversified portfolio with a strategic focus on growth and alternative investments

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

This portfolio exhibits a strong tilt towards equity, with 85% allocated across various stock ETFs, emphasizing large-cap and growth stocks. The Vanguard S&P 500 ETF and Schwab U.S. Large-Cap Growth ETF together account for 60% of the portfolio, indicating a significant concentration in U.S. large-cap equities. The inclusion of international stocks, small to mid-cap equities, bonds, gold, and Bitcoin provides a diversified asset mix. However, the heavy weighting towards equities suggests a growth-oriented strategy with a moderate to high-risk tolerance.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 23.11% and a maximum drawdown of -16.84%, the portfolio has demonstrated robust growth with relatively controlled volatility. The days contributing to 90% of returns being concentrated in just 13 days highlight the impact of significant market movements on performance. This historical performance, while impressive, should be considered with caution as past success does not guarantee future returns, especially given the volatile nature of some included assets like Bitcoin.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, suggest a wide range of potential portfolio values, with a median increase of 3,029.6%. While this tool offers valuable insight, it's important to remember its limitations, including the assumption that past trends will continue. Diversification and risk management remain crucial as simulations cannot predict sudden market shifts or unprecedented events.

Asset classes Info

  • Stocks
    85%
  • Other
    10%
  • Bonds
    5%
  • Cash
    1%

The asset class distribution with a heavy emphasis on stocks (85%) aligns with the portfolio's growth focus but carries higher volatility and risk. The modest allocations to bonds (5%), gold (5%), and Bitcoin (5%) offer some diversification benefits. However, the small bond allocation might be insufficient to significantly mitigate equity market risks during downturns. Increasing exposure to bonds or other less volatile assets could provide better balance.

Sectors Info

  • Technology
    27%
  • Financials
    12%
  • Consumer Discretionary
    10%
  • Industrials
    8%
  • Telecommunications
    8%
  • Health Care
    8%
  • Consumer Staples
    4%
  • Energy
    2%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    2%

Sector allocation reveals a substantial tilt towards technology (27%), reflecting the portfolio's growth orientation but also introducing sector-specific risk. Financial services and consumer cyclicals further diversify the portfolio, though the concentration in technology suggests vulnerability to sector-specific downturns. Diversifying across more sectors or reducing the technology weighting could lower volatility and improve resilience.

Regions Info

  • North America
    71%
  • Europe Developed
    6%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, the portfolio is heavily weighted towards North America (71%), with minimal exposure to emerging markets and other developed regions. This concentration enhances exposure to U.S. market performance but limits global diversification benefits. Increasing investments in emerging and developed markets outside North America could enhance diversification and potentially tap into higher growth rates in those regions.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    23%
  • Mid-cap
    14%
  • No data
    10%
  • Small-cap
    7%
  • Micro-cap
    2%

The market capitalization breakdown shows a preference for mega (38%) and big (23%) cap stocks, which typically offer stability and lower volatility compared to smaller companies. However, medium, small, and micro-cap stocks, representing 23% of the portfolio, introduce higher growth potential at the expense of greater risk. This mix supports the portfolio's growth objectives while providing some level of risk mitigation.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The high correlation between the Vanguard S&P 500 ETF and Schwab U.S. Large-Cap Growth ETF suggests redundancy, limiting the portfolio's diversification benefits. This overlap means that both assets are likely to react similarly to market conditions, potentially amplifying losses during downturns. Reducing exposure to one of these ETFs could improve diversification without significantly compromising growth potential.

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.

Optimizing the portfolio using the Efficient Frontier could identify an asset allocation that offers the best possible risk-return balance. Currently, the portfolio's heavy equity concentration and asset overlap suggest room for improvement. By adjusting allocations or diversifying further, it's possible to achieve a more efficient portfolio that aligns with the investor's risk tolerance and growth objectives.

Dividends Info

  • Fidelity® Total Bond ETF 4.60%
  • Fidelity Small-Mid Factor 1.30%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.34%

The portfolio's average dividend yield of 1.34% contributes to total returns, with the Fidelity® Total Bond ETF offering the highest yield at 4.60%. While dividends are not the primary focus, they provide a consistent income stream and can offer some cushion during market volatility. Rebalancing to include assets with higher dividend yields could enhance income without dramatically altering the portfolio's risk profile.

Ongoing product costs Info

  • Fidelity® Total Bond ETF 0.36%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • Fidelity Small-Mid Factor 0.15%
  • SPDR® Gold Shares 0.40%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.09%

The overall portfolio cost, represented by a Total Expense Ratio (TER) of 0.09%, is impressively low, maximizing return potential over time. This cost efficiency is crucial for long-term growth, as lower costs compound positively. Continuously monitoring and minimizing investment costs remains a key strategy for enhancing portfolio performance.

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