This portfolio has only about 1.3 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.
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A growth-focused portfolio with high tech exposure and significant cryptocurrency allocation

Report created on Apr 25, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

The portfolio is composed of four ETFs, with a significant allocation to the Vanguard S&P 500 ETF at 35%, followed by the iShares Bitcoin Trust at 30%, Invesco NASDAQ 100 ETF at 20%, and Vanguard Total World Stock Index Fund ETF Shares at 15%. This composition leans heavily towards equities, with a notable 70% in stocks and 30% in other assets, primarily cryptocurrency. Compared to a standard benchmark, this portfolio takes on more risk due to its higher concentration in volatile assets. Consider diversifying further to include more varied asset classes to mitigate risk.

Growth Info

Historically, the portfolio has demonstrated a remarkable CAGR of 30.39%, indicating strong growth. However, this performance comes with a significant max drawdown of -22.46%, highlighting its volatility. Comparing to benchmarks, such as the S&P 500, the portfolio's returns have been exceptional, but the risk is also higher. It's crucial to remember that past performance does not guarantee future results. To reduce potential downside risk, consider adjusting allocations to include more stable assets.

Projection Info

The Monte Carlo simulation, which uses historical data to project future outcomes, suggests a wide range of potential portfolio values. With a 50th percentile projection of 2,344.7% and a 5th percentile of 244.3%, the outcomes indicate high volatility. While the simulations show an annualized return of 30.48%, it's important to note that these projections are based on historical data and assumptions. For better risk management, consider stress-testing the portfolio under different market conditions.

Asset classes Info

  • Stocks
    70%
  • Other
    30%

The portfolio's asset class allocation is heavily skewed towards stocks at 70%, with the remaining 30% in other assets, primarily Bitcoin. This allocation suggests a high-risk, high-reward strategy. Compared to typical benchmarks, which often include bonds and other fixed-income securities, this portfolio lacks balance. To enhance diversification and potentially reduce volatility, consider incorporating additional asset classes, such as bonds or real estate.

Sectors Info

  • Technology
    25%
  • Consumer Discretionary
    8%
  • Telecommunications
    8%
  • Financials
    8%
  • Health Care
    7%
  • Industrials
    5%
  • Consumer Staples
    4%
  • Energy
    2%
  • Utilities
    2%
  • Basic Materials
    1%
  • Real Estate
    1%

The portfolio's sector allocation is tech-heavy, with technology making up 25% of the holdings. Other sectors, like consumer cyclicals and communication services, each represent 8%. This concentration in technology may lead to higher volatility, especially during interest rate hikes or tech sector downturns. While the sector allocation aligns with growth objectives, consider diversifying into underrepresented sectors to achieve a more balanced risk profile.

Regions Info

  • North America
    64%
  • Europe Developed
    3%
  • Asia Emerging
    1%
  • Japan
    1%
  • Asia Developed
    1%

Geographically, the portfolio is predominantly focused on North America, with 64% of assets allocated there. Other regions, such as Europe Developed and Asia Emerging, have minimal representation. This geographic concentration may expose the portfolio to regional risks. Compared to global benchmarks, the portfolio is under-diversified internationally. Expanding exposure to other regions, particularly emerging markets, could offer additional growth opportunities and risk diversification.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    24%
  • Mid-cap
    12%
  • Small-cap
    1%

The portfolio's market capitalization distribution is concentrated in large-cap stocks, with 33% in mega caps and 24% in big caps. This focus provides stability and growth potential but may limit exposure to smaller, potentially higher-growth companies. Compared to benchmarks, the portfolio's allocation to small and micro caps is minimal, at just 1%. To capture potential growth from smaller companies, consider increasing the allocation to mid and small-cap stocks.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Total World Stock Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    High correlation

The assets within the portfolio, particularly the Vanguard S&P 500 ETF, Vanguard Total World Stock Index Fund ETF Shares, and Invesco NASDAQ 100 ETF, are highly correlated. This means they tend to move in the same direction, which can limit diversification benefits during market downturns. To improve diversification, consider reducing exposure to overlapping assets and including investments with lower correlation to existing holdings.

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.

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The portfolio's current allocation does not fully utilize the Efficient Frontier, which seeks the best possible risk-return ratio. Due to the high correlation among assets, there is room for optimization by adjusting allocations to reduce overlap and improve diversification. Consider reallocating assets to achieve a more balanced risk-return profile while maintaining the growth objective. Remember, efficiency here refers to optimizing returns for a given level of risk.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.60%
  • Vanguard S&P 500 ETF 1.40%
  • Vanguard Total World Stock Index Fund ETF Shares 2.00%
  • Weighted yield (per year) 0.91%

The portfolio's dividend yield is relatively low at 0.91%, with the Vanguard Total World Stock Index Fund ETF Shares contributing the highest yield of 2.00%. Dividends can provide a steady income stream and reduce reliance on capital gains. For investors seeking income, consider increasing allocation to higher-dividend-paying assets. However, for a growth-focused strategy, low dividends may be acceptable if capital appreciation is prioritized.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.09%

The portfolio's total expense ratio (TER) is impressively low at 0.09%, which is beneficial for long-term performance. Lower costs mean more of the returns are retained by the investor rather than paid out in fees. Compared to typical expense ratios, this cost structure is highly efficient and aligns well with best practices. Continue to monitor and manage costs, as even small changes can impact long-term returns significantly.

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