This portfolio has only about 1.6 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 balanced portfolio with a tech tilt and innovative exposure to cryptocurrencies

Report created on Aug 2, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

This portfolio showcases a strategic blend of 70% stocks, 25% bonds, and a notable 5% allocation to cryptocurrencies via the iShares Bitcoin Trust. The majority stake in ETFs, particularly those tracking the broad U.S. stock market and the S&P 500® with a momentum strategy, indicates a preference for equity exposure with an emphasis on growth. The inclusion of both corporate and treasury iBonds maturing in 2026 provides a fixed-income buffer, reducing overall volatility. The direct investment in NVIDIA Corporation further accentuates the portfolio's tech orientation.

Growth Info

With a historical Compound Annual Growth Rate (CAGR) of 26.19% and a maximum drawdown of -17.22%, the portfolio has demonstrated strong growth with manageable dips. The performance is particularly impressive, considering the relatively balanced risk profile. However, it's important to note that past performance is not indicative of future results. The days contributing to 90% of returns being limited to 15 suggest significant performance is concentrated in short bursts, highlighting the impact of market timing and volatility.

Projection Info

Monte Carlo simulations, which run multiple scenarios to predict future performance based on historical data, show a wide range of outcomes for this portfolio. The median projection suggests a substantial potential for growth, but these simulations are inherently uncertain. They serve as a useful tool for understanding possible future scenarios but should not be the sole basis for investment decisions.

Asset classes Info

  • Stocks
    70%
  • Bonds
    25%
  • Other
    5%

The asset class distribution leans heavily towards equities, including a significant tech sector weighting, which aligns with a growth-oriented strategy. The bond allocation acts as a counterbalance to equity volatility, providing income and capital preservation. The inclusion of a cryptocurrency ETF introduces an alternative investment, diversifying the portfolio further and potentially enhancing returns, albeit with increased risk.

Sectors Info

  • Technology
    24%
  • Financials
    10%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Industrials
    6%
  • Consumer Staples
    4%
  • Health Care
    4%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    1%
  • Basic Materials
    1%

The sectoral allocation reveals a heavy emphasis on technology, reflecting a bet on continued innovation and growth within this sector. Financial services and consumer cyclicals also have meaningful representations, suggesting a belief in the strength of consumer spending and the financial sector's resilience. This concentration in growth-driven sectors may increase volatility but also offers higher return potential.

Regions Info

  • North America
    70%

The geographic allocation is predominantly focused on North America, specifically the U.S. market, which may limit global diversification benefits. While the U.S. market is a significant engine of global growth, underexposure to international markets could mean missing out on potential gains from other regions, especially during periods when they outperform the U.S.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    21%
  • Mid-cap
    11%
  • Small-cap
    3%
  • Micro-cap
    1%

The market capitalization breakdown shows a strong preference for mega and big-cap stocks, which are typically less volatile than their smaller counterparts. This preference supports the portfolio's balanced risk profile, as larger companies tend to be more stable and have more predictable earnings streams.

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 analysis suggests that an optimized portfolio with the same risk level could achieve a higher expected return of 7.31%. This indicates room for improvement in the current allocation, particularly in enhancing diversification and possibly reducing the concentration in technology and U.S. equities to achieve a more efficient risk-return ratio.

Dividends Info

  • iShares iBonds Dec 2026 Term Corporate ETF 3.90%
  • iShares iBonds Dec 2026 Term Treasury ETF 3.70%
  • iShares Core S&P Total U.S. Stock Market ETF 1.20%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Weighted yield (per year) 1.58%

The dividend yields from the bond ETFs and the relatively low yields from the stock ETFs contribute to a total portfolio yield of 1.58%. While not the primary focus of this growth-oriented portfolio, these dividends provide a stream of income, which can be reinvested to compound growth or provide liquidity.

Ongoing product costs Info

  • iShares iBonds Dec 2026 Term Corporate ETF 0.10%
  • iShares Bitcoin Trust 0.12%
  • iShares iBonds Dec 2026 Term Treasury ETF 0.07%
  • iShares Core S&P Total U.S. Stock Market ETF 0.03%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Weighted costs total (per year) 0.07%

The portfolio's total expense ratio (TER) is impressively low at 0.07%, which is beneficial for long-term growth as lower costs directly translate to higher returns. Keeping costs minimal is a crucial aspect of portfolio management, especially important for a portfolio with a balanced risk profile aiming for steady growth.

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