This portfolio has only about 1.7 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.

A well-diversified growth-focused portfolio with an emphasis on global and small-cap value ETFs

Report created on Aug 7, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio showcases a strategic blend of global stocks and bonds, with a significant tilt towards equity ETFs that cover a broad spectrum of market capitalizations and regions. The allocation includes a 25% stake in both a global stocks and bonds ETF and the Vanguard Total World Stock Index Fund ETF, indicating a strong foundation in diversified global equities. The inclusion of specialized ETFs focusing on U.S. and international small-cap value stocks, as well as emerging markets, suggests an approach aimed at capturing growth through value investing across varied geographies. This composition aligns with a balanced risk profile, seeking to leverage the potential upside of smaller companies and emerging markets while maintaining a solid base in global equities.

Growth Info

The portfolio has shown impressive historical performance with a Compound Annual Growth Rate (CAGR) of 18.61% and a maximum drawdown of -16.99%. It's important to note that while past performance is a useful indicator, it does not guarantee future results. The days contributing to 90% of returns were notably few, highlighting that a small number of significant positive market movements drove much of the portfolio's performance. This level of performance, compared to benchmarks, suggests that the portfolio has been well-positioned to capitalize on market upswings, though investors should remain aware of the volatility inherent in such strategies.

Projection Info

Monte Carlo simulations, which use historical data to project potential future outcomes, indicate a wide range of possible returns for this portfolio. With all simulations showing positive returns and a median projected increase of 1,095%, the analysis underscores the portfolio's strong growth potential. However, it's crucial to understand that these projections are hypothetical and subject to the limitations of past data. The 5th to 67th percentile range suggests significant variability, emphasizing the need for investors to be prepared for a wide array of potential outcomes.

Asset classes Info

  • Stocks
    99%
  • Bonds
    25%

The portfolio's asset allocation is heavily weighted towards stocks (99%), with a smaller but significant exposure to bonds (25%). This high equity exposure is characteristic of a growth-oriented strategy, aiming for higher returns at the expense of increased volatility. The bond component, although less prominent, provides a cushion against stock market fluctuations, contributing to the portfolio's balanced risk classification. Investors should consider whether this allocation aligns with their risk tolerance and investment horizon, as a higher equity concentration typically entails greater short-term risk.

Sectors Info

  • Financials
    19%
  • Technology
    17%
  • Industrials
    16%
  • Consumer Discretionary
    13%
  • Basic Materials
    7%
  • Telecommunications
    7%
  • Health Care
    6%
  • Energy
    6%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Real Estate
    2%

Sector allocation within the portfolio is diverse, with financial services, technology, and industrials leading the composition. This sectoral spread is indicative of a strategy seeking to balance cyclical sectors with those more resilient to economic downturns. Technology's significant weighting may capture growth opportunities but also exposes the portfolio to sector-specific risks, such as regulatory changes or rapid market sentiment shifts. Diversifying across sectors is beneficial, yet investors should be mindful of overexposure to any single sector, which could amplify risk.

Regions Info

  • North America
    55%
  • Europe Developed
    15%
  • Japan
    10%
  • Asia Emerging
    8%
  • Asia Developed
    6%
  • Australasia
    3%
  • Africa/Middle East
    2%
  • Latin America
    2%

Geographically, the portfolio is predominantly invested in North America (55%), with meaningful allocations to developed Europe, Japan, and emerging Asian markets. This distribution provides a solid foundation in stable, developed markets while also seeking growth in emerging economies. However, the relatively lower exposure to emerging and frontier markets might limit potential returns from these high-growth areas. Investors might consider whether increasing exposure to underrepresented regions could enhance portfolio diversification and return potential.

Market capitalization Info

  • Large-cap
    26%
  • Mega-cap
    25%
  • Mid-cap
    22%
  • Small-cap
    16%
  • Micro-cap
    9%

The market capitalization breakdown reveals a balanced approach, with allocations across big, mega, medium, small, and micro-cap stocks. This mix suggests a strategy designed to capture growth across the market cap spectrum, from the stability of large companies to the high growth potential of smaller firms. Small and micro-cap stocks, while offering higher growth prospects, also carry greater risk, including higher volatility and liquidity concerns. A balanced market cap allocation can help manage these risks while pursuing growth opportunities.

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.

The portfolio's current configuration is closely aligned with the Efficient Frontier, suggesting an optimal balance between risk and expected return at its current risk level. However, the analysis indicates that an even more efficient portfolio could potentially achieve a higher expected return of 25.54% at a similar risk level. This optimization process, based on historical data, underscores the importance of regular portfolio reviews to ensure alignment with investment goals and market conditions. While the current allocation is strong, there may be opportunities to adjust asset weights to further enhance returns without significantly increasing risk.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Avantis® Emerging Markets Value ETF 4.00%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Return Stacked Global Stocks & Bonds ETF 1.10%
  • Vanguard Total World Stock Index Fund ETF Shares 1.80%
  • Alpha Architect Global Factor Equity ETF 2.40%
  • Weighted yield (per year) 2.12%

The portfolio's dividend yield stands at an average of 2.12%, with individual ETF yields ranging from 1.10% to 4.00%. While not the primary focus of this growth-oriented strategy, dividends contribute to total returns and provide a source of income, which can be particularly valuable during market downturns. Investors should consider the role of dividends in their overall investment strategy, balancing the pursuit of capital gains with the potential for income generation through dividends.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Return Stacked Global Stocks & Bonds ETF 0.41%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.23%

Portfolio costs, measured by the Total Expense Ratio (TER), average 0.23%, which is relatively low and supports better long-term performance by minimizing the drag on returns. The Vanguard Total World Stock Index Fund ETF stands out for its exceptionally low cost. Keeping costs low is crucial for maximizing net returns, especially in a diversified portfolio where expenses can vary significantly across holdings. Investors should continue to monitor fees and consider cost efficiency as a factor in their investment decisions.

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