This portfolio has only about 1.9 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.

Strategically balanced portfolio with a focus on tech and dividend growth

Report created on Aug 5, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is primarily composed of ETFs with a strong emphasis on technology and dividend-paying stocks, indicating a strategy that seeks growth through sector-specific momentum and income through dividends. The equal weightings across most ETFs suggest an attempt to balance exposure, albeit within a concentrated asset class spectrum. This composition aligns with a balanced risk profile but leans towards growth-oriented sectors.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 26.90% and a maximum drawdown of -16.69%, the portfolio has demonstrated strong historical performance. The days contributing to 90% of returns being limited to 19 indicates significant returns were concentrated in short bursts, a characteristic of growth-focused investments. While past performance is commendable, it's essential to recognize that such high returns often come with higher volatility.

Projection Info

Monte Carlo simulations, which project future performance based on historical data, suggest a wide range of outcomes with a median increase of 3,578.6%. This optimistic projection underscores the portfolio's growth potential but also highlights the importance of understanding the inherent uncertainties in such simulations. These projections should be viewed as one of many tools in decision-making, not as guarantees.

Asset classes Info

  • Stocks
    100%

The portfolio's exclusive investment in stocks, without diversification into other asset classes like bonds or real estate, positions it for higher growth potential but also higher volatility. This singular focus on equities is suitable for investors with a moderate to high-risk tolerance, though it may benefit from the inclusion of other asset classes to mitigate risk and smooth out returns over time.

Sectors Info

  • Technology
    37%
  • Industrials
    14%
  • Financials
    12%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Health Care
    7%
  • Consumer Staples
    6%
  • Utilities
    3%
  • Energy
    3%
  • Real Estate
    2%
  • Basic Materials
    1%

Sector allocation shows a heavy emphasis on technology, which could lead to higher volatility, especially during market downturns or sector-specific shocks. The balance across industrials, financial services, and consumer cyclicals suggests an attempt to capture growth across different economic cycles. However, the heavy tech focus may overshadow the diversification benefits of these other sectors.

Regions Info

  • North America
    95%
  • Europe Developed
    4%
  • Asia Developed
    1%

The geographic allocation is heavily skewed towards North America, particularly the U.S., with minimal exposure to developed markets in Europe and Asia. This concentration enhances exposure to U.S. market performance but limits global diversification. Expanding into emerging markets or other developed regions could provide additional growth opportunities and risk mitigation.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    36%
  • Mid-cap
    16%
  • Small-cap
    4%

The portfolio's concentration in mega and large-cap stocks aligns with its balanced risk profile, offering stability and potential for growth. However, the limited exposure to mid, small, and micro-cap stocks may restrict opportunities for higher returns that these segments can offer. Including a broader range of market capitalizations could enhance diversification and potential for growth.

Redundant positions Info

  • Vanguard Dividend Appreciation Index Fund ETF Shares
    iShares Core Dividend Growth ETF
    High correlation
  • Schwab U.S. Large-Cap Growth ETF
    Invesco NASDAQ 100 ETF
    Vanguard S&P 500 ETF
    Vanguard Information Technology Index Fund ETF Shares
    Invesco S&P 500® Momentum ETF
    High correlation

The high correlation among certain ETFs, especially within the technology sector and dividend-focused funds, suggests redundancy that may not contribute significantly to diversification. Reducing overlap by consolidating similar investments or reallocating to underrepresented sectors or asset classes could improve the portfolio's overall risk-adjusted performance.

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.

Optimizing the portfolio involves addressing the high correlation among certain assets to enhance diversification. The current overlap, particularly within technology and dividend-focused ETFs, limits the portfolio's ability to mitigate risk through diversification. A more nuanced allocation, possibly by reducing exposure to highly correlated assets, could improve the portfolio's risk-return profile.

Dividends Info

  • iShares Core Dividend Growth ETF 2.20%
  • Fidelity® High Dividend ETF 3.10%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Global X Funds 0.20%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 1.70%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.13%

The portfolio's dividend yield, while modest, contributes to total returns and provides a stream of income, which can be particularly appealing in volatile markets. The blend of high and low dividend-yielding ETFs reflects a strategy that values income alongside capital appreciation. Rebalancing to optimize dividend yield and growth potential could further enhance income without significantly increasing risk.

Ongoing product costs Info

  • iShares Core Dividend Growth ETF 0.08%
  • Fidelity® High Dividend ETF 0.15%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Global X Funds 0.50%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.13%

With a total expense ratio (TER) of 0.13%, the portfolio is efficiently managed in terms of costs, which is commendable. Lower costs directly translate to higher net returns over time. This efficiency is a strong aspect of the portfolio, indicating that the investor is mindful of the impact of fees on investment performance.

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