Balanced and highly diversified portfolio with strong focus on growth and global exposure

Report created on Aug 7, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio boasts a well-structured composition, emphasizing equity investments across a blend of funds and ETFs, with a significant tilt towards large-cap growth and value stocks. The allocation includes 20.20% in a large-cap growth fund, 19.83% in an S&P 100 ETF, and varied exposures to international markets, including emerging markets excluding China. This diversified mix underlines a strategy aimed at balancing growth with a measure of value investing, leveraging both domestic and international equities to spread risk and potential reward.

Growth Info

Historically, the portfolio has delivered a Compound Annual Growth Rate (CAGR) of 9.06%, with a maximum drawdown of -25.84%. This performance indicates a robust growth trajectory over time, though not without significant volatility, as evidenced by the maximum drawdown. The days contributing to 90% of returns being concentrated in just 8.0 days highlight the impact of short-term significant gains on overall performance, underscoring the importance of staying invested through market fluctuations.

Projection Info

Monte Carlo simulations, which use historical data to forecast potential future outcomes, suggest a wide range of possibilities for this portfolio. With 931 out of 1,000 simulations showing positive returns, the median projected growth stands at 203.3% with a possibility of reaching up to 299.6% in the 67th percentile. However, it's crucial to remember that these projections are speculative and depend on past market behavior, which is not a reliable indicator of future performance.

Asset classes Info

  • Stocks
    95%
  • Bonds
    4%

With 95% of the portfolio allocated to stocks, the asset class distribution underscores a clear preference for equity investments, aligning with a growth-oriented strategy. The minimal bond allocation (4%) offers slight diversification but does not significantly mitigate equity market risk. This heavy equity focus may enhance returns but also exposes the portfolio to higher volatility, suggesting a need for careful risk management.

Sectors Info

  • Technology
    33%
  • Industrials
    11%
  • Financials
    11%
  • Telecommunications
    10%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Energy
    6%
  • Consumer Staples
    5%
  • Consumer Discretionary
    4%
  • Basic Materials
    3%
  • Utilities
    1%

The sector allocation reveals a strong emphasis on technology (33%), followed by industrials and financial services. This tech-heavy approach is common in growth-oriented portfolios but can lead to increased susceptibility to sector-specific downturns. Diversifying across more sectors or reducing the overweight in technology may help balance risk and reduce potential volatility.

Regions Info

  • North America
    69%
  • Europe Developed
    15%
  • Asia Developed
    5%
  • Japan
    4%
  • Asia Emerging
    3%
  • Africa/Middle East
    2%
  • Australasia
    1%
  • Latin America
    1%

Geographically, the portfolio is heavily weighted towards North America (69%), with meaningful allocations to developed Europe and a smaller presence in emerging markets. This distribution reflects a solid foundation in stable, developed markets while also seeking growth opportunities abroad. However, the limited exposure to emerging markets outside of Asia may represent a missed opportunity for higher growth potential.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    27%
  • Mid-cap
    19%
  • Small-cap
    7%
  • Micro-cap
    2%

The market capitalization breakdown shows a preference for mega (40%) and big (27%) cap stocks, indicative of an investment strategy favoring established companies with a history of stability and growth. While this can provide a measure of safety, incorporating more medium or small-cap stocks could offer higher growth potential and further diversification benefits.

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 portfolio's current configuration suggests it is positioned near the Efficient Frontier, indicating an optimal risk-return balance based on historical data. However, continuous reassessment of the allocation, especially in response to changing market conditions or personal financial goals, can help maintain this efficiency. It's important to remember that "efficiency" in this context is dynamic and requires ongoing adjustment to stay aligned with the investor's objectives.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.70%
  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF 1.60%
  • THE DISCIPLINED GROWTH INVESTORS FUND THE DISCIPLINED GROWTH INVESTORS FUND 1.00%
  • iShares MSCI Emerging Markets ex China 2.70%
  • WisdomTree International Hedged Quality Dividend Growth Fund 2.70%
  • iShares S&P 100 ETF 0.90%
  • FEDERATED MDT LARGE CAP GROWTH FUND CLASS A SHARES 3.30%
  • Weighted yield (per year) 2.07%

With an overall dividend yield of 2.07%, the portfolio provides a modest income stream in addition to potential capital gains. This yield is a byproduct of the strategic selection of dividend-paying ETFs and funds, contributing to total returns especially in more volatile or bearish market conditions.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF 0.15%
  • THE DISCIPLINED GROWTH INVESTORS FUND THE DISCIPLINED GROWTH INVESTORS FUND 0.78%
  • iShares MSCI Emerging Markets ex China 0.25%
  • WisdomTree International Hedged Quality Dividend Growth Fund 0.58%
  • iShares S&P 100 ETF 0.20%
  • FEDERATED MDT LARGE CAP GROWTH FUND CLASS A SHARES 1.00%
  • Weighted costs total (per year) 0.51%

The Total Expense Ratio (TER) of 0.51% is relatively moderate, considering the diversified and active management components of the portfolio. However, the highest cost comes from the Federated MDT Large Cap Growth Fund at 1.00%. Minimizing costs where possible, without sacrificing strategic allocation, can enhance net returns over the long term.

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