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 growth portfolio with a strong US equity focus and a novel approach to Bitcoin

Report created on Aug 4, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is heavily weighted towards US equities, with 90% of its allocation in Vanguard funds that target large, mid, and international stocks, and a unique 5% allocation to Bitcoin via the iShares Bitcoin Trust. The remaining 5% in international stocks provides some geographic diversification, though it's minimal. This composition suggests a strategy focused on capitalizing on the growth potential of US equities while experimenting with cryptocurrency as an alternative investment.

Growth Info

Historically, the portfolio has demonstrated impressive growth, with a Compound Annual Growth Rate (CAGR) of 21.92%. The maximum drawdown of -18.40% indicates moderate volatility, typical for portfolios with a heavy equity concentration. The days contributing most to returns highlight the impact of significant market movements on portfolio performance. This historical performance, while strong, should be approached with caution as past success is not a guaranteed predictor of future results.

Projection Info

Forward projections using Monte Carlo simulations predict a wide range of outcomes, with a median increase of over 4000%. Such optimistic projections underscore the portfolio's growth potential but also highlight the inherent uncertainties in such forecasts. Monte Carlo simulations are valuable for understanding possible future scenarios, though they rely heavily on historical data and assumptions that may not hold true.

Asset classes Info

  • Stocks
    95%
  • Other
    5%

The asset allocation is predominantly in stocks (95%), with a small but significant portion in cryptocurrencies (5%). This mix emphasizes growth over income, with the stock selection aimed at capturing market-wide gains and the cryptocurrency serving as a high-risk, high-reward component. The absence of bonds or cash equivalents suggests a higher risk tolerance, as these could offer balance during market downturns.

Sectors Info

  • Technology
    30%
  • Financials
    13%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Industrials
    9%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    3%
  • Utilities
    3%
  • Real Estate
    3%
  • Basic Materials
    2%

Sector-wise, the portfolio is heavily weighted towards technology, followed by financial services and consumer cyclicals. This sector allocation reflects a bet on the continued growth of tech and finance sectors, which have been strong performers historically. However, the concentration in these areas could expose the portfolio to sector-specific risks, such as regulatory changes or economic shifts that disproportionately affect tech and finance companies.

Regions Info

  • North America
    90%
  • Europe Developed
    2%
  • Asia Emerging
    1%
  • Japan
    1%
  • Asia Developed
    1%

Geographically, the portfolio is predominantly invested in North America (90%), with minimal exposure to other regions. This concentration in the US market limits global diversification, potentially increasing vulnerability to country-specific economic and political risks. Expanding into more international and emerging markets could provide additional diversification benefits and exposure to growth outside the US.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    30%
  • Mid-cap
    24%
  • Small-cap
    1%

The market capitalization breakdown shows a preference for mega and big-cap stocks, which tend to be more stable and less volatile than their smaller counterparts. This allocation can provide a solid foundation for growth, leveraging the stability of large established companies. However, including more small and micro-cap stocks could offer higher growth potential, albeit with increased 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 could potentially be optimized for a better risk-return ratio by adjusting asset allocations. While it's already positioned for growth, diversifying more into international and emerging markets, as well as including a broader range of asset classes, could improve the portfolio's efficiency. This optimization should be approached with an understanding that it aims to enhance the portfolio's performance potential relative to its risk level.

Dividends Info

  • VANGUARD INSTITUTIONAL INDEX FUND INSTITUTIONAL PLUS SHARES 0.90%
  • VANGUARD MID-CAP INDEX FUND INSTITUTIONAL SHARES 1.10%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND INSTITUTIONAL SHARES 2.10%
  • Weighted yield (per year) 0.94%

With an overall dividend yield of 0.94%, the portfolio places less emphasis on income generation and more on capital appreciation. The yield from the international stock fund is notably higher, suggesting that increasing its proportion could enhance income without drastically altering the portfolio's growth orientation.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • VANGUARD INSTITUTIONAL INDEX FUND INSTITUTIONAL PLUS SHARES 0.02%
  • VANGUARD MID-CAP INDEX FUND INSTITUTIONAL SHARES 0.04%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND INSTITUTIONAL SHARES 0.06%
  • Weighted costs total (per year) 0.03%

The portfolio benefits from low overall costs, with a Total Expense Ratio (TER) of just 0.03%. This efficiency is crucial for long-term growth, as lower costs directly translate to higher net returns for investors. The careful selection of low-cost funds, especially within the Vanguard offerings, demonstrates a strategic approach to maximizing returns by minimizing expenses.

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