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A balanced portfolio with a strong growth focus and limited international exposure

Report created on Mar 28, 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 predominantly of common stocks, with a small allocation to ETFs. It features a variety of individual stocks, each with a modest weighting, and two ETFs that provide broader market exposure. Compared to a typical benchmark, this portfolio leans heavily towards individual stock holdings, which can offer potential for higher returns but also increased volatility. Balancing individual stocks with ETFs can help spread risk, but the current setup suggests a focus on high growth from specific companies. Consider whether this aligns with your risk tolerance and investment goals.

Growth Info

The portfolio has demonstrated a strong historic performance with a Compound Annual Growth Rate (CAGR) of 22.79%. This impressive growth rate indicates that the selected assets have outperformed typical market benchmarks over the period analyzed. However, past performance is not indicative of future results, and it's important to consider the portfolio's maximum drawdown of -35.46%, which highlights the potential for significant losses during market downturns. To mitigate this risk, ensure that your investment strategy and risk tolerance align with the portfolio's volatility.

Projection Info

A Monte Carlo simulation, which uses historical data to project potential future outcomes, suggests an annualized return of 24.96% for this portfolio. With 1,000 simulations, 992 showed positive returns, indicating a high probability of gain. However, the 5th percentile projection shows a potential return of only 137.3%, illustrating the uncertainty inherent in market predictions. While these projections provide a useful framework for understanding potential outcomes, they rely on historical data and do not guarantee future performance. Regularly review and adjust your portfolio to align with your evolving financial goals and market conditions.

Asset classes Info

  • Stocks
    98%
  • Other
    2%

The portfolio is heavily weighted towards stocks, with 98% allocation, and a small 2% allocation to other assets. This concentration in stocks aligns with a growth-focused strategy, potentially offering higher returns but also higher risk. Compared to a diversified benchmark, this allocation lacks exposure to other asset classes like bonds or real estate, which can provide stability during market volatility. To enhance diversification and reduce risk, consider incorporating additional asset classes that align with your investment objectives and risk tolerance.

Sectors Info

  • Consumer Discretionary
    19%
  • Technology
    16%
  • Industrials
    15%
  • Health Care
    11%
  • Consumer Staples
    11%
  • Financials
    9%
  • Energy
    6%
  • Basic Materials
    5%
  • Telecommunications
    5%
  • Real Estate
    1%

The portfolio's sector allocation is led by consumer cyclicals, technology, and industrials, making up 50% of the total. This allocation suggests a focus on sectors with growth potential but also higher volatility. Compared to common benchmarks, there is a notable underweight in utilities and real estate, sectors typically seen as defensive during market downturns. While sector concentration can drive returns in favorable conditions, it also increases risk in sector-specific downturns. Assess whether your sector exposure aligns with your market outlook and risk preferences.

Regions Info

  • North America
    85%
  • Europe Developed
    8%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%

Geographic exposure is heavily skewed towards North America, with 85% allocation, and limited exposure to other regions. This concentration can benefit from the stability and growth of the U.S. market but may miss opportunities in emerging markets or regions with different economic cycles. Compared to global benchmarks, the portfolio underrepresents international markets, which can enhance diversification and reduce geographic risk. Consider adjusting geographic exposure to align with your investment strategy and global market views.

Market capitalization Info

  • Large-cap
    60%
  • Mega-cap
    35%
  • No data
    2%
  • Mid-cap
    2%

The portfolio is predominantly composed of large-cap stocks, with 60% in big-cap and 35% in mega-cap companies. This concentration in larger companies offers stability and established growth but may limit exposure to the potentially higher returns of smaller-cap stocks. Compared to a balanced benchmark, the portfolio lacks small and micro-cap representation, which can enhance diversification and growth potential. Evaluate whether your market cap exposure aligns with your return objectives and risk tolerance.

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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The portfolio's current asset allocation can be optimized using the Efficient Frontier, a concept that identifies the best possible risk-return ratio. By adjusting the weights of the existing assets, you can potentially enhance returns for a given level of risk. This optimization focuses solely on the current assets and does not necessarily imply diversification or other goals. Regularly review your portfolio's efficiency to ensure it aligns with your risk tolerance and financial objectives, making adjustments as needed to maintain optimal performance.

Dividends Info

  • Apple Inc 0.40%
  • AbbVie Inc 3.10%
  • Automatic Data Processing Inc 1.40%
  • Arthur J Gallagher & Co 0.70%
  • Caterpillar Inc 1.60%
  • Chubb Ltd 0.90%
  • Coca-Cola Consolidated Inc. 0.50%
  • Costco Wholesale Corp 0.50%
  • Cintas Corporation 0.70%
  • Deere & Company 1.00%
  • Dover Corporation 1.20%
  • Alphabet Inc Class A 0.50%
  • WW Grainger Inc 0.80%
  • International Business Machines 2.70%
  • Johnson & Johnson 3.00%
  • Linde plc Ordinary Shares 1.20%
  • Eli Lilly and Company 0.70%
  • Lowe's Companies Inc 2.00%
  • McDonald’s Corporation 2.20%
  • McKesson Corporation 0.30%
  • Meta Platforms Inc. 0.30%
  • Microsoft Corporation 0.80%
  • Realty Income Corp 5.60%
  • Old Dominion Freight Line Inc 0.60%
  • Sherwin-Williams Co 0.80%
  • Texas Pacific Land Trust 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 0.99%

The portfolio's dividend yield is 0.99%, indicating a focus on growth rather than income. While dividends can provide a steady income stream and contribute to total returns, this portfolio prioritizes capital appreciation through growth stocks. For investors seeking income, consider increasing exposure to higher-yielding stocks or dividend-focused ETFs. However, if growth is the primary goal, maintaining the current allocation may be appropriate. Regularly reassess your income needs and adjust the portfolio accordingly.

Ongoing product costs Info

  • SPDR® Gold Shares 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.01%

The portfolio's costs are impressively low, with a Total Expense Ratio (TER) of 0.01%. This low cost structure supports better long-term performance by minimizing the impact of fees on returns. The main costs come from the SPDR® Gold Shares and Vanguard Total International Stock Index Fund ETF Shares, which are relatively minimal. Maintaining low costs is crucial for maximizing net returns, so continue to monitor and manage expenses. Consider reviewing the cost-effectiveness of each holding to ensure they align with your investment strategy.

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