Balanced and moderately diversified portfolio with a strong focus on technology and US markets

Report created on Nov 24, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio primarily consists of equity ETFs (89%), with a significant emphasis on the US stock market, alongside a modest allocation to bonds (6%) and commodities (5%), notably gold. The majority of the portfolio is invested in broad market ETFs and sector-specific ETFs, with a notable concentration in technology through the Invesco NASDAQ 100 ETF and direct investments in tech companies. This composition reflects a strategy that leans towards growth, with a balanced approach to risk through diversification across different asset classes and sectors, albeit with a strong geographical bias towards North America.

Growth Info

Historically, the portfolio has demonstrated a robust Compound Annual Growth Rate (CAGR) of 18.14%, with a maximum drawdown of -25.19%. These figures suggest that the portfolio has experienced significant growth, albeit with periods of notable volatility. The days contributing to 90% of returns being concentrated in just 32.0 days highlight the impact of short-term gains on overall performance. When compared to benchmarks, this performance indicates a potentially higher risk-return profile, emphasizing the need for ongoing risk management.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with a median increase of 1,396.3% over the simulated period, suggesting substantial growth potential. However, the wide spread between the 5th and 67th percentiles (72.8% to 2,641.5%) underscores the inherent uncertainty and risk. While the simulations offer a positive outlook, they are based on historical data, which does not guarantee future performance. Investors should consider these projections as one of many tools in making informed decisions.

Asset classes Info

  • Stocks
    89%
  • Bonds
    6%
  • Other
    5%

The allocation across asset classes with a predominant focus on stocks (89%) supports a growth-oriented strategy but with moderate risk exposure given the 6% allocation to bonds and 5% to gold. This mix aims to balance the higher volatility and potential returns of equities with the stability of bonds and the hedging properties of gold. Compared to a typical balanced portfolio, the low bond allocation suggests a tilt towards growth, which aligns with the portfolio's overall risk classification.

Sectors Info

  • Technology
    29%
  • Industrials
    15%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Health Care
    7%
  • Financials
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    1%
  • Utilities
    1%
  • Real Estate
    1%

Sector allocation reveals a heavy emphasis on technology (29%), which aligns with the current trend of tech-driven market growth but introduces sector-specific risk, particularly from market volatility and rapid industry changes. The diversified spread across industrials, consumer cyclicals, and other sectors mitigates this risk somewhat, though the portfolio may benefit from increased exposure to underrepresented sectors to enhance diversification and potentially reduce volatility.

Regions Info

  • North America
    83%
  • Europe Developed
    3%
  • Asia Emerging
    1%
  • Japan
    1%
  • Asia Developed
    1%

The geographic allocation is heavily skewed towards North America (83%), with minimal exposure to international markets. This concentration enhances exposure to the US economy's growth potential but also increases vulnerability to region-specific economic downturns and geopolitical risks. Expanding international exposure could offer improved diversification benefits and access to growth opportunities in developed and emerging markets outside the US.

Market capitalization Info

  • Large-cap
    43%
  • Mega-cap
    26%
  • Mid-cap
    14%
  • No data
    5%
  • Small-cap
    4%
  • Micro-cap
    1%

With 43% in big-cap and 26% in mega-cap investments, the portfolio is positioned towards companies with large market capitalizations, suggesting a preference for stability and established performance over the potentially higher growth (and higher risk) of smaller companies. This bias supports the portfolio's balanced risk profile, though incorporating more medium, small, or micro-cap investments could offer higher growth potential at the cost of increased volatility.

Redundant positions Info

  • ProShares UltraPro QQQ
    Invesco NASDAQ 100 ETF
    High correlation

The portfolio contains highly correlated assets, notably between the ProShares UltraPro QQQ and the Invesco NASDAQ 100 ETF, which limits diversification benefits and potentially increases risk during market downturns. Identifying and reducing investments in overlapping assets can enhance portfolio diversification and resilience against market volatility.

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 for efficiency suggests a potential expected return of 29.11% at the same risk level, highlighting opportunities to enhance returns through strategic reallocation. This optimization process underscores the importance of continually reviewing and adjusting the portfolio to maintain an optimal balance between risk and return, especially considering the identified overlap in highly correlated assets.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Amplify Transformational Data Sharing ETF 4.70%
  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • Quanta Services Inc 0.10%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • VanEck Semiconductor ETF 0.30%
  • ProShares UltraPro QQQ 0.80%
  • Vertiv Holdings Co 0.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.55%

Dividend yields across the portfolio contribute to its total return, with an average yield of 1.55%. While not the primary focus, dividends offer a stream of income, adding to the portfolio's growth from capital appreciation. The varied yields across different assets reflect a balance between growth-oriented investments and those providing steady income, aligning with the portfolio's balanced risk profile.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Amplify Transformational Data Sharing ETF 0.76%
  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • iShares Gold Trust 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • VanEck Semiconductor ETF 0.35%
  • ProShares UltraPro QQQ 0.88%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.07%

The portfolio's total expense ratio (TER) of 0.07% is impressively low, which is beneficial for long-term growth as lower costs translate directly into higher net returns for investors. This cost efficiency is particularly noteworthy given the portfolio's diversified exposure across various asset classes and sectors, indicating effective cost management in asset selection.

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