A cautiously designed portfolio with a strong momentum and international dividend focus

Report created on Nov 28, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

Your portfolio exhibits a strategic blend of domestic and international ETFs, focusing predominantly on stocks with a minor allocation to bonds. The Invesco S&P 500® Momentum ETF, constituting 30% of your portfolio, underscores a momentum-based strategy, favoring stocks with upward price trends. The inclusion of both American Century and Global X Funds ETFs broadens sector and geographic exposure, while the Janus Henderson AAA CLO and Vanguard International High Dividend Yield ETFs introduce fixed income and international dividend elements. This composition reflects a cautious yet growth-oriented approach, balancing high-diversification across sectors and regions with a conservative risk profile.

Growth Info

Historical performance, with a Compound Annual Growth Rate (CAGR) of 26.83% and a maximum drawdown of -10.78%, suggests a robust portfolio resilience and growth potential. Notably, the days contributing most to returns indicate significant gains were concentrated in specific periods, highlighting the impact of market momentum on performance. This historical success, however, should be tempered with the understanding that past performance is not always indicative of future results, especially in volatile market conditions.

Projection Info

Monte Carlo simulations, projecting a wide range of potential outcomes, suggest a strong possibility of continued positive returns, with all simulations yielding gains. The median projection indicates nearly a threefold increase in portfolio value, underscoring the potential for substantial growth. Yet, it's crucial to remember that these projections are based on historical data and assumptions that may not fully account for future market dynamics.

Asset classes Info

  • Stocks
    85%
  • Bonds
    15%

Your portfolio's asset allocation leans heavily towards stocks (85%), with a smaller bond component (15%). This allocation aligns with a growth-focused strategy while maintaining a cushion against market volatility through fixed income investments. The absence of cash or alternative investments suggests a fully invested stance, aimed at maximizing growth potential within your risk tolerance.

Sectors Info

  • Industrials
    24%
  • Technology
    17%
  • Financials
    16%
  • Telecommunications
    6%
  • Consumer Discretionary
    6%
  • Consumer Staples
    4%
  • Energy
    4%
  • Basic Materials
    3%
  • Health Care
    2%
  • Utilities
    2%
  • Real Estate
    1%

Sector distribution is broad, with industrials, technology, and financial services leading. This diversified sector exposure mitigates sector-specific risks and capitalizes on growth opportunities across the economy. However, the heavy weighting in industrials and technology could expose the portfolio to higher volatility, warranting periodic sector rebalancing to align with changing market conditions and risk appetite.

Regions Info

  • North America
    56%
  • Europe Developed
    15%
  • Asia Developed
    4%
  • Japan
    4%
  • Asia Emerging
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic allocation underscores a strong bias towards North America, complemented by meaningful exposure to developed European and Asian markets. This geographic distribution enhances diversification, reducing the impact of regional economic downturns. However, the limited exposure to emerging markets and smaller developed regions suggests potential missed opportunities in high-growth areas, which could be addressed to further optimize global exposure.

Market capitalization Info

  • Large-cap
    32%
  • Mega-cap
    27%
  • Mid-cap
    17%
  • Small-cap
    6%
  • Micro-cap
    2%

The portfolio's market capitalization exposure is balanced towards big and mega-cap stocks, providing stability and reducing volatility. However, the relatively smaller allocation to medium, small, and micro-cap stocks limits exposure to higher-growth potential segments. Consider diversifying across different market caps to capture growth opportunities while managing 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 Efficient Frontier analysis suggests that an optimized portfolio could achieve a higher expected return of 7.74% at a similar risk level. This finding indicates room for improvement in asset allocation to enhance the risk-return profile. Rebalancing towards this more efficient portfolio could involve adjusting the weights of existing assets or diversifying into new asset classes or sectors.

Dividends Info

  • American Century ETF Trust 2.00%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 5.50%
  • Global X Funds 0.20%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 3.80%
  • Weighted yield (per year) 2.02%

Dividend yields across the ETFs contribute to the portfolio's income generation, with a total yield of 2.02%. This income stream, particularly from the higher-yielding Janus Henderson AAA CLO and Vanguard International High Dividend Yield ETFs, provides a buffer against market volatility and contributes to overall returns. Regularly reviewing dividend performance and considering reinvestment strategies can enhance compounding growth.

Ongoing product costs Info

  • American Century ETF Trust 0.26%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 0.21%
  • Global X Funds 0.50%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Weighted costs total (per year) 0.26%

The portfolio's total expense ratio (TER) of 0.26% is relatively low, maximizing the potential for net returns. Cost efficiency, especially in a diversified ETF-based portfolio, is crucial for long-term performance. Periodic review of investment costs and comparison with alternative options can ensure that you continue to achieve cost-effective diversification and growth.

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