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 US equities and high dividend yield ETFs

Report created on May 23, 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 composed primarily of ETFs, focusing on U.S. large-cap growth, dividend value, and high-income strategies. The largest allocation is towards a global stock index, ensuring some level of international exposure. However, the heavy weighting towards U.S. equities and specific sectors like technology and financial services indicates a moderate diversification strategy. The inclusion of high dividend yield ETFs suggests a tilt towards income generation within a growth-oriented framework.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 23.24% and a maximum drawdown of -17.60%, the portfolio has demonstrated robust growth with a relatively controlled level of risk. The days contributing most to returns highlight the portfolio's sensitivity to market highs, which is characteristic of growth-focused investments. The performance, significantly above average, suggests a successful strategy but warrants caution against potential volatility.

Projection Info

Monte Carlo simulations, projecting 1,000 different potential future scenarios, show a wide range of outcomes, with the median suggesting nearly a 20-fold increase in value. This forward-looking analysis, while rooted in historical data, underscores the inherent uncertainties in predicting market movements. It's crucial to understand that such projections are hypothetical and do not guarantee future results.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The asset allocation is predominantly in stocks (99%), with a minimal cash reserve (1%). This composition underscores a growth-oriented strategy with limited liquidity for opportunistic investments or downturn mitigation. Diversifying across more asset classes could enhance the portfolio's resilience against market fluctuations.

Sectors Info

  • Technology
    30%
  • Financials
    12%
  • Health Care
    11%
  • Consumer Discretionary
    11%
  • Industrials
    9%
  • Telecommunications
    9%
  • Consumer Staples
    7%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

Sector allocation is heavily weighted towards technology and financial services, followed by healthcare and consumer cyclicals. This concentration in high-growth sectors can offer substantial returns but also increases susceptibility to sector-specific downturns. Broadening the sectoral coverage could reduce volatility without significantly compromising potential returns.

Regions Info

  • North America
    89%
  • Europe Developed
    5%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%
  • Australasia
    1%

Geographic exposure is predominantly North American (89%), with minimal allocations to developed Europe, emerging Asia, and Japan. This concentration enhances exposure to the U.S. market's growth potential but limits global diversification benefits. Expanding into underrepresented regions could offer new growth opportunities and risk mitigation.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    35%
  • Mid-cap
    18%
  • Small-cap
    3%

The focus on mega (43%) and big (35%) cap stocks provides stability and reduces volatility inherent in smaller companies. However, the relatively small allocation to medium, small, and micro caps limits potential high-growth opportunities. A slight increase in smaller market cap exposures could enhance returns while adding manageable risk.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Goldman Sachs Nasdaq-100 Core Premium Income ETF
    SHP ETF Trust - NEOS S&P 500 High Income ETF
    High correlation

The high correlation among certain ETFs, particularly those focused on U.S. large-cap growth and high income, indicates overlapping exposures that may not provide the intended diversification benefits. Rebalancing to reduce overlap could improve the portfolio's overall risk-adjusted performance.

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.

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Given the identified overlaps and high correlations among certain assets, there's room for optimization. Adjusting the asset allocation to minimize redundancy and enhance diversification could improve the portfolio's efficiency, potentially offering a better risk-return profile without significantly altering the investment strategy.

Dividends Info

  • Capital Group Dividend Value ETF 1.60%
  • iShares Core Dividend Growth ETF 2.30%
  • Goldman Sachs Nasdaq-100 Core Premium Income ETF 10.50%
  • Schwab U.S. Dividend Equity ETF 4.00%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 12.60%
  • Vanguard Total World Stock Index Fund ETF Shares 1.80%
  • Weighted yield (per year) 3.72%

The emphasis on dividend-yielding ETFs contributes to the portfolio's attractive total yield of 3.72%. This strategy not only provides a steady income stream but also offers potential for capital appreciation. However, the high yield from specific ETFs may reflect underlying risks or sector concentrations that warrant closer scrutiny.

Ongoing product costs Info

  • Capital Group Dividend Value ETF 0.33%
  • iShares Core Dividend Growth ETF 0.08%
  • Goldman Sachs Nasdaq-100 Core Premium Income ETF 0.29%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 0.68%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.17%

The total expense ratio (TER) of 0.17% is relatively low, enhancing net returns to the investor. Keeping costs in check is crucial for long-term investment success, and this portfolio benefits from selecting cost-efficient ETFs. Continued attention to minimizing investment costs will support better overall performance.

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