A broadly diversified balanced portfolio with strong historic returns and a conservative core risk structure

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

What type of investor this portfolio is suitable for

Balanced Investors

This portfolio suits someone with moderate risk tolerance who still wants meaningful growth, but not a roller‑coaster ride. A typical fit would be an investor aiming to build wealth steadily over a long horizon, such as 10 to 20 years or more, while staying relatively comfortable through normal market swings. Goals might include retirement savings, long‑term education funding, or general wealth accumulation with some downside cushioning. This type of person usually appreciates diversification and is okay with some complexity under the hood as long as the overall experience feels stable. They are willing to accept short‑term fluctuations but would likely be uncomfortable with repeated deep drawdowns above 25 to 30 percent.

Positions

  • SPDR Bridgewater All Weather ETF
    ALLW - US78470P6300
    68.90%
  • Berkshire Hathaway Inc
    BRK-B - US0846707026
    11.89%
  • Apple Inc
    AAPL - US0378331005
    6.58%
  • NVIDIA Corporation
    NVDA - US67066G1040
    4.35%
  • JPMorgan Equity Premium Income ETF
    JEPI - US46641Q3323
    2.77%
  • American Express Company
    AXP - US0258161092
    1.81%
  • Alphabet Inc Class A
    GOOGL - US02079K3059
    1.48%
  • Reddit, Inc.
    RDDT - US75734B1008
    1.12%
  • Alibaba Group Holding Ltd
    BABA - US01609W1027
    0.72%
  • Uber Technologies Inc
    UBER - US90353T1007
    0.38%

This portfolio is built around one dominant diversified ETF that holds almost seventy percent of the assets, with the rest in a handful of large, well‑known individual stocks and a smaller income‑oriented ETF. Structurally, that means one position effectively defines most of the risk and behavior, while the satellites add return potential and some extra concentration. Balanced benchmarks usually show a clearer split between growth and safety building blocks, rather than one main anchor plus several big tilts. It can help to decide whether this heavy core weighting is intentional. If not, shifting a bit toward a more even mix between the main ETF and the satellites would create a more classic balanced structure and reduce reliance on a single product.

Warning Historical data is limited for this portfolio, which reduces the confidence in the calculated values.

Growth Info

Using a simple example, a 10,000 dollar investment growing at a 20.7 percent Compound Annual Growth Rate (CAGR) would roughly multiply more than six‑fold over ten years, which is very strong. CAGR is like the average speed on a long road trip: it smooths out bumps along the way. A maximum drawdown of about 10 percent is quite mild for something producing that level of growth, suggesting a good risk‑return trade‑off so far. Compared with typical balanced portfolios, both return and drawdown look unusually favorable. It’s important to remember that past performance cannot guarantee similar future results, especially if market conditions or interest rates shift meaningfully.

Warning Due to limited historical data, this may show extreme values that are not realistic.

Projection Info

The Monte Carlo analysis, which runs many what‑if simulations using historical ups and downs, shows a wide range of potential future outcomes. A 5th percentile result of around 520 percent and a median near 6,900 percent over a long period sound extremely high, and an average simulated annual return above 45 percent is far above normal market expectations. Monte Carlo methods basically shuffle history to explore many possible paths, but they still lean heavily on the past. When historical returns are unusually strong, simulations can easily look overly optimistic. Treat these projections as a rough stress‑test rather than a forecast, and consider building plans around more modest long‑term expectations than the model suggests.

Asset classes Info

  • Stocks
    46%
  • Bonds
    38%
  • Cash
    13%
  • Other
    2%
  • No data
    0%

Across asset classes, the portfolio mixes roughly 46 percent stocks, 38 percent bonds, 13 percent cash, and a small slice of “other,” which fits nicely with a balanced risk profile. Many balanced benchmarks cluster near a 60/40 stock‑bond split, so this mix sits slightly more conservatively tilted thanks to the notable bond and cash allocation. That cash cushion can reduce volatility and provide dry powder to deploy during market dips, but too much idle cash can drag long‑term growth. This allocation is well‑balanced and aligns closely with global standards. Still, revisiting whether the cash level matches the intended time horizon and spending plans can fine‑tune the growth versus stability trade‑off.

Sectors Info

  • Financials
    27%
  • Technology
    27%
  • Consumer Discretionary
    9%
  • Industrials
    9%
  • Telecommunications
    8%
  • Health Care
    6%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is spread broadly, with financials and technology together making up just over half of the portfolio, and the rest distributed across consumer, industrial, healthcare, and other areas. This mirrors many global benchmarks where financials and tech are major weights, which is a strong indicator of solid diversification. Tech‑heavy allocations can be more sensitive to interest rate changes and innovation cycles, while financials often react to credit conditions and economic growth. The presence of multiple other sectors helps smooth those cycles. To keep risk from creeping up over time, it can be useful to check periodically that no single sector grows so large that a downturn there would disproportionately impact overall performance.

Regions Info

  • North America
    58%
  • Europe Developed
    27%
  • Asia Emerging
    10%
  • Asia Developed
    3%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Europe Emerging
    0%
  • Australasia
    0%

Geographically, the portfolio leans 58 percent toward North America, with a substantial 27 percent in developed Europe and smaller but meaningful slices in emerging and developed Asia plus a bit in other regions. That pattern is quite close to common global benchmarks, which also tilt heavily toward North America while still including Europe and Asia. This alignment is beneficial, since it spreads economic and political risk across multiple regions and currencies. Emerging market exposure around ten percent introduces extra growth potential but also more volatility. A simple ongoing check is whether this geographic mix still matches personal views about home bias, global diversification, and comfort with currency swings over the long term.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    6%
  • Mid-cap
    2%
  • Small-cap
    0%
  • Micro-cap
    0%

By market capitalization, the portfolio is dominated by mega‑cap companies with a small amount in large and mid caps and almost nothing in small or micro caps. Mega caps are huge, established firms; they tend to be more stable, more liquid, and widely followed, which can reduce company‑specific risk compared with smaller names. Many global indices are mega‑cap heavy too, so this tilt is very much in line with typical benchmarks. The trade‑off is missing some of the potential long‑term upside and diversification that smaller companies can provide. If stronger growth or a different risk profile is desired, gradually introducing a modest small‑ or mid‑cap sleeve could broaden the opportunity set.

Dividends Info

  • Apple Inc 0.40%
  • American Express Company 0.80%
  • Alibaba Group Holding Ltd 1.30%
  • Alphabet Inc Class A 0.30%
  • JPMorgan Equity Premium Income ETF 8.10%
  • Weighted yield (per year) 0.28%

The overall dividend yield of around 0.28 percent is low, mainly because most positions are focused on growth rather than income. One standout is the equity premium income ETF with a yield above 8 percent, which likely contributes most of the cash payouts despite being a small allocation. Dividends can be especially useful for investors who want regular income without selling shares, but low yields are quite normal for growth‑oriented large‑cap companies. For anyone prioritizing cash flow, gradually increasing the share of income‑producing assets could raise the portfolio’s paycheck. For those focused on total return and compounding, reinvesting any dividends received and not chasing yield keeps the strategy more growth‑aligned.

Ongoing product costs Info

  • JPMorgan Equity Premium Income ETF 0.35%
  • Weighted costs total (per year) 0.01%

The stated total expense ratio around 0.01 percent looks impressively low, suggesting the large core ETF and other positions have minimal ongoing fees. Low costs are powerful because every dollar not paid in fees stays invested and compounds over time; even a 0.3–0.5 percent yearly difference can add up significantly over decades. The income ETF carries a higher expense ratio near 0.35 percent, but given its smaller weight, the overall drag is still tiny. This cost structure is a real strength of the portfolio and supports better long‑term performance. Periodic checks to avoid adding high‑fee products unnecessarily will help maintain this advantage going forward.

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.

From a risk versus return standpoint, this mix appears to sit in a favorable spot on the Efficient Frontier, which is the curve showing the best possible risk‑return combinations for a given set of assets. Efficiency here simply means getting the most expected return for each unit of volatility, not necessarily maximizing diversification or income. With the current building blocks, some small shifts between the core ETF, satellite stocks, and the income ETF could, in theory, nudge the portfolio slightly closer to that optimal line. Any such adjustments would be about fine‑tuning rather than dramatic change, since the existing combination already delivers a compelling balance of growth, drawdown control, and diversification.

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