Balanced and broadly diversified portfolio with a strong focus on growth and income

Report created on Jul 19, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio showcases a strategic blend of ETFs and individual stocks, with a heavy emphasis on the Vanguard Total Stock Market Index Fund ETF Shares, accounting for over a third of the portfolio. The inclusion of the Vanguard Total International Stock Index Fund ETF Shares and specific sector-focused ETFs like the Invesco QQQ Trust and the Schwab U.S. Dividend Equity ETF indicates a well-thought-out approach to diversification across sectors and geographies. The significant position in The Coca-Cola Company highlights a tilt towards stable, income-generating assets. This composition suggests a balance between growth through broad market exposure and income through dividends, suitable for a balanced risk profile.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 12.41% and a maximum drawdown of -33.15%, the portfolio's historical performance demonstrates resilience and the potential for strong returns over time. The days contributing to 90% of returns being limited signifies that the portfolio's growth has been relatively consistent, rather than reliant on sporadic, high-gain days. This consistency is vital for investors with a balanced risk tolerance, as it suggests a level of predictability and stability in returns, despite the inherent risks of stock market investments.

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 the majority of simulations (956 out of 1,000) showing positive returns and a median projected annualized return of 13.08%, the forward-looking outlook appears optimistic. However, it's important to remember that these projections are not guarantees but rather scenarios based on past performance, which may not accurately predict future results.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is heavily weighted towards stocks (99%), with a minimal cash holding (1%). This allocation aligns with a growth-oriented strategy but carries higher volatility and risk compared to portfolios with a more significant allocation to bonds or other asset classes. The almost exclusive focus on equities suggests confidence in the stock market's long-term growth potential, suitable for investors with a moderate to high risk tolerance and a longer investment horizon.

Sectors Info

  • Technology
    22%
  • Consumer Staples
    21%
  • Consumer Discretionary
    12%
  • Financials
    12%
  • Telecommunications
    9%
  • Industrials
    8%
  • Health Care
    7%
  • Energy
    5%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    2%

Sector allocation within this portfolio shows a diversified approach, with the highest allocations in technology and consumer defensive sectors. This blend combines the growth potential of tech with the stability of consumer goods, potentially smoothing out volatility. However, the significant weight in technology could expose the portfolio to sector-specific risks, such as regulatory changes or market sentiment shifts. Balancing high-growth sectors with stable, defensive ones is a sound strategy, but continuous monitoring is advised to manage sector concentration risks.

Regions Info

  • North America
    76%
  • Asia Emerging
    8%
  • Europe Developed
    7%
  • Japan
    3%
  • Asia Developed
    3%
  • Latin America
    1%
  • Africa/Middle East
    1%
  • Australasia
    1%

Geographically, the portfolio is heavily weighted towards North America (76%), with emerging markets and other developed regions making up the balance. This concentration may reflect a home bias but also leverages the growth and stability of the U.S. market. Diversifying more into emerging and other developed markets could offer additional growth opportunities and reduce geographic concentration risk, enhancing the portfolio's resilience against region-specific economic downturns.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    29%
  • Mid-cap
    16%
  • Small-cap
    4%
  • Micro-cap
    1%

The portfolio's market capitalization breakdown shows a preference for mega (49%) and big (29%) cap stocks, suggesting a focus on established, large-scale companies. This allocation can offer stability and consistent dividends but may limit exposure to high-growth potential found in smaller companies. Considering a slightly increased allocation to medium, small, or even micro-cap stocks could introduce more growth opportunities, albeit with higher volatility and risk.

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.

Considering the Efficient Frontier, this portfolio appears well-positioned for a balanced risk-return profile. However, adjustments could potentially optimize its position on the Efficient Frontier, enhancing the risk-return ratio. This might involve rebalancing between asset classes, sectors, or geographic exposures to align more closely with the investor's risk tolerance and investment goals. Regularly reviewing and adjusting the portfolio in response to changing market conditions and personal financial objectives can help maintain this optimal balance.

Dividends Info

  • EMQQ The Emerging Markets Internet & Ecommerce ETF 1.40%
  • The Coca-Cola Company 2.80%
  • Invesco QQQ Trust 0.40%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.92%

The portfolio's dividend yield stands at an attractive 1.92%, with the Schwab U.S. Dividend Equity ETF and The Coca-Cola Company being significant contributors. This yield indicates a thoughtful balance between growth and income, providing a steady income stream while still focusing on capital appreciation. For investors seeking both growth and income, maintaining or slightly adjusting this balance could enhance the portfolio's appeal, especially in varying market conditions.

Ongoing product costs Info

  • EMQQ The Emerging Markets Internet & Ecommerce ETF 0.86%
  • Invesco QQQ Trust 0.20%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • 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) 0.11%

Portfolio costs, with a Total Expense Ratio (TER) averaging 0.11%, are impressively low, supporting better long-term performance by minimizing drag on returns. The varied expense ratios among the ETFs, from 0.03% to 0.86%, highlight a strategic selection of funds balancing cost with targeted exposure. Keeping costs low is crucial for maximizing net returns, and this portfolio exemplifies a cost-effective approach to diversified investing.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey