This portfolio has only about 1.1 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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A balanced and highly diversified portfolio with a strong foundation in ETFs and exposure to cryptocurrencies

Report created on Aug 15, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification
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Positions

The portfolio is heavily weighted towards ETFs, with a significant 60% in the Vanguard S&P 500 ETF, underscoring a strong bias towards large-cap U.S. equities. The inclusion of American Century ETF Trust and Vanguard FTSE Developed Markets Index Fund ETF Shares enhances exposure to developed markets outside the U.S., while the Avantis® U.S. Small Cap Value ETF introduces domestic small-cap value stocks. The portfolio's diversification is further broadened by allocations to commodities and cryptocurrencies through the SPDR Gold Mini Shares, Fidelity Wise Origin Bitcoin Trust, and iShares Ethereum Trust ETF. This composition reflects a balanced approach, blending traditional equity investments with alternative assets to hedge against inflation and market volatility.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 18.65% and a maximum drawdown of -16.74%, the portfolio has demonstrated strong performance with relatively moderate volatility. The days contributing to 90% of returns being limited to five indicates that the portfolio's gains are concentrated in a few significant growth spurts. This performance metric, while impressive, also highlights the portfolio's sensitivity to market cycles and the importance of timing in investment decisions.

Projection Info

Monte Carlo simulations, projecting future performance based on historical data, suggest a wide range of potential outcomes for this portfolio. With the 50th percentile at a 2,958.6% increase, there's a strong expectation of growth, albeit with significant risk as evidenced by the broad spread of results. These simulations underscore the inherent uncertainties in market movements and the value of maintaining a diversified portfolio to navigate future volatility.

Asset classes Info

  • Stocks
    94%
  • Other
    6%

The portfolio's asset allocation is predominantly in stocks (94%), with a small but significant portion in other assets (6%), including commodities and cryptocurrencies. This heavy tilt towards equities is typical for growth-oriented portfolios but comes with higher volatility and risk. The inclusion of non-stock assets like gold and cryptocurrencies can provide a hedge against inflation and currency devaluation, though these assets also carry their own risks.

Sectors Info

  • Technology
    23%
  • Financials
    17%
  • Consumer Discretionary
    11%
  • Industrials
    11%
  • Health Care
    8%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

The sectoral allocation shows a healthy diversification across technology, financial services, consumer cyclicals, and industrials, among others. This broad exposure reduces the risk of significant losses from downturns in any single sector. However, the heavy weighting in technology and financial services, sectors known for their volatility, suggests the portfolio's performance may be particularly sensitive to economic cycles and interest rate changes.

Regions Info

  • North America
    71%
  • Europe Developed
    12%
  • Japan
    5%
  • Asia Developed
    3%
  • Asia Emerging
    2%
  • Australasia
    1%

With 71% of assets in North America and significant investments in Europe and Japan, the portfolio is well-diversified geographically, reducing exposure to region-specific economic downturns. However, the minimal exposure to emerging markets and certain developed regions might limit potential gains from high-growth areas outside the traditional Western economies.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    28%
  • Mid-cap
    16%
  • Small-cap
    6%
  • Micro-cap
    5%

The market capitalization breakdown shows a balanced exposure across mega, big, and medium-cap stocks, with smaller allocations to small and micro-cap stocks. This blend supports a mix of stability from large companies and growth potential from smaller entities. However, the portfolio may benefit from a slightly increased focus on small or micro-cap investments to enhance growth potential, assuming the investor's risk tolerance allows.

Redundant positions Info

  • American Century ETF Trust
    Vanguard FTSE Developed Markets Index Fund ETF Shares
    High correlation

The high correlation between the American Century ETF Trust and Vanguard FTSE Developed Markets Index Fund ETF Shares suggests redundancy, limiting the benefits of diversification. In periods of market downturn, these overlapping investments may not provide the intended risk mitigation, emphasizing the need for careful asset selection to truly diversify the portfolio.

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 allocation, while already strong, shows potential for optimization by addressing the overlap in highly correlated assets. By reallocating funds from redundant investments to underrepresented areas or less correlated assets, it's possible to maintain the same level of risk while potentially increasing the expected return to 36.95%. This adjustment would not only enhance returns but also improve diversification, making the portfolio more resilient to market fluctuations.

Dividends Info

  • American Century ETF Trust 3.00%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.60%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.58%

The portfolio's dividend yield, averaging 1.58%, contributes to its total return, providing a steady income stream in addition to capital gains. While not the primary focus, these dividends offer a buffer during market downturns and compound over time, enhancing long-term returns. The allocation to higher-yielding assets like the American Century ETF Trust suggests a strategic approach to balancing growth and income.

Ongoing product costs Info

  • American Century ETF Trust 0.31%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • SPDR Gold Mini Shares 0.10%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • iShares Ethereum Trust ETF 0.25%
  • Weighted costs total (per year) 0.10%

With a Total Expense Ratio (TER) of 0.10%, the portfolio is efficiently managed, minimizing the drag on returns from management fees. This low cost structure is commendable, as it ensures that a larger portion of investment returns is retained by the investor, a critical factor in long-term portfolio growth.

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