Balanced and diversified portfolio with a strong focus on global equities and growth potential

Report created on Nov 7, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is characterized by a substantial allocation to global equities through ETFs, with 50% in a U.S. large-cap index, 25% in international stocks, and diversified exposures to small-cap and emerging markets. The emphasis on ETFs suggests a preference for broad market exposure and cost-efficiency. The composition aligns with a balanced risk profile, aiming to capture growth while spreading risk across major geographies and sectors.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 14.51% and a maximum drawdown of -24.96%, the portfolio demonstrates robust growth potential tempered by significant volatility. The days contributing most to returns highlight the market's unpredictable nature. Comparing these figures with benchmarks could provide insight into performance relative to broader market movements, suggesting whether the portfolio's risk-return profile is optimized.

Projection Info

Monte Carlo simulations, projecting future performance based on historical data, indicate a wide range of potential outcomes. With 997 out of 1,000 simulations showing positive returns, the portfolio appears well-positioned for growth. However, it's crucial to remember that these projections are speculative, relying on past trends that may not predict future movements accurately.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's nearly exclusive investment in stocks (99%) positions it for significant growth potential, albeit with higher risk. The minimal cash holding (1%) suggests a strategy fully invested in equities, aiming to maximize returns. This aggressive stance is suitable for investors with a higher risk tolerance and a longer time horizon.

Sectors Info

  • Technology
    28%
  • Financials
    16%
  • Industrials
    11%
  • Consumer Discretionary
    11%
  • Telecommunications
    9%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    2%
  • Real Estate
    2%
  • Consumer Discretionary
    1%

Sector allocations show a heavy tilt towards technology and financial services, which may offer high growth but also expose the portfolio to sector-specific risks. Industrials, consumer cyclicals, and communication services further diversify the portfolio, though the concentration in tech could heighten volatility. Balancing sector exposures could mitigate risks associated with market fluctuations in these high-growth areas.

Regions Info

  • North America
    67%
  • Europe Developed
    11%
  • Asia Emerging
    7%
  • Japan
    6%
  • Asia Developed
    4%
  • Africa/Middle East
    2%
  • Australasia
    2%
  • Latin America
    1%

The geographic distribution, with two-thirds of assets in North America and significant investments in developed Europe and Asia, as well as emerging markets, provides a balanced exposure to global economic growth. This diversification helps manage regional risks and capitalize on growth opportunities worldwide, though the portfolio may benefit from increased exposure to underrepresented regions for even greater diversification.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    30%
  • Mid-cap
    18%
  • Small-cap
    6%
  • Micro-cap
    3%

The market capitalization breakdown, favoring mega- and big-cap stocks, suggests a focus on stability and lower volatility associated with larger, established companies. However, the inclusion of medium, small, and micro-cap stocks introduces growth potential and diversification benefits, albeit with increased risk. Adjusting these allocations could fine-tune the portfolio's risk-return profile.

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 portfolio's risk versus return profile, as suggested by its historical performance and Monte Carlo simulations, seems well-optimized within its current composition. However, utilizing the Efficient Frontier could identify opportunities to adjust allocations for an even better risk-return balance. This theoretical model emphasizes the importance of diversification and strategic asset allocation in achieving optimal portfolio performance.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.50%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Invesco NASDAQ 100 ETF 0.50%
  • Invesco S&P 500® Momentum ETF 0.70%
  • VANGUARD EMERGING MARKETS STOCK INDEX FUND INVESTOR SHARES 2.00%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.67%

The portfolio's dividend yield averages 1.67%, contributing to total returns. While not the primary focus, dividends offer a steady income stream and can provide a cushion during market downturns. The variation in yields across ETFs reflects the differing income potentials of asset classes and sectors, suggesting a balanced approach to growth and income.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Invesco S&P 500® Momentum ETF 0.13%
  • VANGUARD EMERGING MARKETS STOCK INDEX FUND INVESTOR SHARES 0.29%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.09%

With an average Total Expense Ratio (TER) of 0.09%, the portfolio benefits from low costs, enhancing long-term returns. This cost efficiency is crucial in maximizing investment growth, especially in a diversified portfolio where expenses can quickly accumulate. Continual monitoring of TERs across holdings will ensure that costs remain competitive.

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