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.
Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

Balanced portfolio with a focus on US large-cap equities and an innovative inclusion of Bitcoin

Report created on Sep 8, 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 exhibits a strong focus on US large-cap equities, represented by a 70% allocation across three ETFs that target growth, momentum, and broad market exposure. The inclusion of a 20% allocation to TIPS (Treasury Inflation-Protected Securities) ETF suggests a strategic approach to hedge against inflation. The distinctive allocation of 10% to a Bitcoin trust ETF introduces an alternative investment, diversifying beyond traditional asset classes. This composition aligns with a balanced risk profile but leans towards growth-oriented investments, with a notable emphasis on technology and financial services sectors.

Growth Info

The portfolio has demonstrated a remarkable Compound Annual Growth Rate (CAGR) of 27.85%, with a maximum drawdown of -17.78%. These figures indicate a strong performance, particularly in a bullish market environment. The concentration in high-growth sectors like technology may have significantly contributed to these returns. However, the limited number of days contributing to the majority of returns suggests volatility and the importance of timing in market entry and exit. Comparing this performance to a diversified benchmark could provide further insight into risk-adjusted returns.

Projection Info

Monte Carlo simulations project an optimistic future performance, with a median increase of 5,851.4% in portfolio value. This wide range of outcomes underscores the high level of uncertainty and risk associated with the portfolio's growth-focused investments and the speculative nature of Bitcoin. Investors should interpret these projections with caution, as past performance and simulated future performance do not guarantee future results. Diversification and regular portfolio reviews could help mitigate unexpected market shifts.

Asset classes Info

  • Stocks
    70%
  • Bonds
    20%
  • Other
    10%

The portfolio's allocation across stocks (70%), bonds (20%), and alternative investments (10%) reflects a balanced approach to risk and growth. The heavy weighting in stocks, particularly in large-cap equities, drives the portfolio's growth potential and risk profile. The bond allocation, primarily through TIPS, offers some protection against inflation, which is a prudent consideration in varying economic climates. The inclusion of Bitcoin as an alternative investment adds a layer of diversification, albeit with higher volatility and risk.

Sectors Info

  • Technology
    25%
  • Financials
    9%
  • Consumer Discretionary
    9%
  • Telecommunications
    9%
  • Industrials
    5%
  • Health Care
    4%
  • Consumer Staples
    4%
  • Energy
    1%
  • Utilities
    1%
  • Real Estate
    1%
  • Basic Materials
    1%

Sector allocations within this portfolio reveal a strong emphasis on technology, financial services, and consumer cyclicals, which are sectors typically associated with higher growth and, consequently, higher volatility. The underrepresentation of traditionally defensive sectors like healthcare, consumer defensive, and utilities might limit the portfolio's resilience in market downturns. Rebalancing to include more defensive sectors could provide a more stable return profile during volatile market periods.

Regions Info

  • North America
    70%

With 70% of assets allocated to North America, the portfolio shows a significant home bias, potentially missing out on diversification benefits and growth opportunities available in international markets. Expanding geographic exposure, especially to developed and emerging markets outside of North America, could enhance diversification and potentially reduce volatility while tapping into global growth trends.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    21%
  • Mid-cap
    10%
  • Small-cap
    1%

The portfolio's emphasis on mega and big-cap stocks (59% combined) aligns with its focus on stability and growth within the US large-cap space. However, the minimal exposure to mid, small, and micro-cap stocks limits potential upside from smaller companies' growth. Increasing exposure to smaller market capitalizations could enhance diversification and growth prospects, albeit with added volatility.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Vanguard S&P 500 ETF
    Invesco S&P 500® Momentum ETF
    High correlation

The high correlation among the three large-cap US equity ETFs indicates redundancy, which may limit the portfolio's diversification benefits. This overlap suggests that the portfolio might be more exposed to systemic risks within the US equity market than necessary. Diversifying across less correlated asset classes or sectors could reduce risk without significantly sacrificing potential returns.

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.

Optimizing the portfolio using the Efficient Frontier could improve the risk-return profile by adjusting the current asset allocation. The first step should be addressing the high correlation among the US equity ETFs, as this redundancy diminishes diversification. Exploring less correlated assets or sectors could enhance the portfolio's efficiency, potentially offering better returns for the same or lower level of risk.

Dividends Info

  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab U.S. TIPS ETF 3.20%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.13%

With a total portfolio dividend yield of 1.13%, the portfolio offers a modest income component alongside its growth orientation. The yield from TIPS significantly contributes to this income, providing a hedge against inflation. Investors seeking higher income might consider reallocating towards assets with higher dividend yields or exploring dividend growth strategies within equities.

Ongoing product costs Info

  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab U.S. TIPS ETF 0.03%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.08%

The portfolio benefits from relatively low total expense ratios (TER), averaging 0.08%, which is advantageous for long-term growth by minimizing the drag on performance. The low costs associated with the equity ETFs are particularly commendable. However, investors should remain mindful of the costs associated with the Bitcoin trust, ensuring its potential benefits justify the higher expense ratio compared to traditional ETFs.

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