Balanced and highly diversified portfolio with a global focus and strategic bond allocation

Report created on Jul 20, 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 balance between equity and fixed income, emphasizing diversification across geographies, sectors, and market capitalizations. The majority allocation to equities, including a significant portion in international and small-cap value ETFs, suggests a pursuit of growth while managing risk through exposure to bonds and cash equivalents. The presence of gold adds a non-correlated asset class, potentially offering a hedge against inflation and market volatility.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 10.10%, with a maximum drawdown of -19.69%. The performance is notable for its resilience, as evidenced by the majority of days contributing positively to the overall returns. This historical performance, while impressive, should be viewed with the understanding that past results do not guarantee future outcomes.

Projection Info

Monte Carlo simulations suggest a wide range of potential outcomes, with the median projection indicating a significant increase in value. However, it's crucial to interpret these projections with caution, as they are based on historical data and cannot account for unforeseen market shifts. The high count of simulations with positive returns underscores the portfolio's robustness but also highlights the inherent uncertainties in forecasting.

Asset classes Info

  • Stocks
    85%
  • Cash
    8%
  • Bonds
    4%
  • Other
    2%

The allocation across stocks, bonds, and cash, supplemented by a minor allocation to gold, illustrates a well-thought-out approach to balancing growth potential with risk management. This mix supports a moderate risk tolerance, aiming to capture equity market gains while cushioning against downturns through fixed income and gold.

Sectors Info

  • Financials
    19%
  • Industrials
    15%
  • Consumer Discretionary
    12%
  • Technology
    11%
  • Basic Materials
    7%
  • Energy
    6%
  • Health Care
    5%
  • Consumer Staples
    4%
  • Telecommunications
    4%
  • Utilities
    2%
  • Real Estate
    1%

Sector allocations reveal a focus on financial services, industrials, and consumer cyclicals, with meaningful diversification across other sectors. This sector spread aligns with the portfolio's balanced risk profile, capturing growth opportunities in cyclical sectors while maintaining stability through exposure to defensive sectors.

Regions Info

  • North America
    47%
  • Europe Developed
    17%
  • Japan
    10%
  • Asia Emerging
    4%
  • Australasia
    3%
  • Asia Developed
    3%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographic distribution underscores a strong commitment to global diversification, with nearly half of the assets in North America and significant investments in developed Europe and Japan. Emerging markets exposure is limited, which may reduce volatility but also potentially cap higher growth opportunities inherent in these regions.

Market capitalization Info

  • Small-cap
    23%
  • Mid-cap
    20%
  • Mega-cap
    17%
  • Large-cap
    12%
  • Micro-cap
    10%
  • No data
    2%

The market capitalization breakdown, with a tilt towards small and medium-sized companies, suggests a strategy aiming to exploit the higher growth potential of these segments. This approach, while potentially offering higher returns, may also carry increased volatility compared to investments in larger, more established companies.

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 slightly higher expected return. This finding indicates room for refinement in asset allocation to enhance the risk-return profile. However, the current portfolio's strong diversification and balanced approach already position it favorably for long-term growth and resilience.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Avantis® U.S. Equity ETF 1.20%
  • Dimensional ETF Trust 1.50%
  • iShares® 0-3 Month Treasury Bond ETF 4.50%
  • iShares 20+ Year Treasury Bond ETF 4.50%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 2.54%

The portfolio's dividend yield contributes to its total return, providing a steady income stream in addition to potential capital gains. This aspect is particularly beneficial in a balanced portfolio, where income generation complements growth objectives.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Equity ETF 0.15%
  • Dimensional ETF Trust 0.31%
  • SPDR® Gold Shares 0.40%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • iShares 20+ Year Treasury Bond ETF 0.15%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.21%

With a total Expense Ratio (TER) of 0.21%, the portfolio is efficiently managed, minimizing costs to maximize net returns. Keeping costs low is crucial for long-term investment success, as fees can significantly erode returns over time.

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