Balanced investment portfolio with a strong tilt towards US equities and technology

Report created on Oct 26, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

Your portfolio is predominantly invested in U.S. equities, with a significant portion allocated to the Vanguard S&P 500 ETF and a notable focus on technology through direct stock holdings and sector-specific ETFs. This composition reflects a single-focused diversification strategy, primarily targeting growth through large-cap and technology investments. While this approach capitalizes on the robust performance of the U.S. market and tech sector, it also exposes the portfolio to sector-specific risks and limits geographical diversification.

Growth Info

The portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 12.52%, with a maximum drawdown of -23%. This performance, characterized by significant growth with periods of notable volatility, suggests resilience in market downturns and the ability to capture upside in bullish conditions. However, the days contributing most to returns indicate potential concentration risk, where a few good days disproportionately affect overall performance.

Projection Info

Monte Carlo simulations project a wide range of potential future outcomes, with a median increase of 329.9% in portfolio value. While these simulations, based on historical data, offer a glimpse into potential future performance, they inherently cannot predict market movements with certainty. The range of outcomes underscores the importance of maintaining a well-diversified portfolio to mitigate risk while aiming for growth.

Asset classes Info

  • Stocks
    95%
  • Other
    5%

The portfolio's asset class allocation is heavily skewed towards stocks (95%), with a minor allocation in other assets (5%). This high concentration in equities is typical for growth-oriented portfolios but comes with higher volatility. Diversifying across more asset classes, including fixed income or real estate, could provide a buffer against stock market fluctuations and potentially smooth out returns over time.

Sectors Info

  • Technology
    31%
  • Financials
    14%
  • Consumer Discretionary
    11%
  • Industrials
    9%
  • Health Care
    7%
  • Telecommunications
    7%
  • Energy
    7%
  • Consumer Staples
    5%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

Sector allocation is predominantly in technology (31%), followed by financial services and consumer cyclicals. This sector concentration aligns with the portfolio's growth focus but also heightens sensitivity to tech market swings. Broadening sector exposure could reduce volatility and improve resilience against sector-specific downturns.

Regions Info

  • North America
    92%
  • Asia Emerging
    1%
  • Asia Developed
    1%

Geographically, the portfolio is heavily weighted towards North America (92%), with minimal exposure to emerging and developed markets outside of the U.S. This concentration benefits from U.S. market strength but misses out on potential gains from global diversification. Increasing exposure to international markets could offer new growth opportunities and risk mitigation.

Market capitalization Info

  • Large-cap
    32%
  • Mega-cap
    26%
  • Mid-cap
    14%
  • Small-cap
    12%
  • Micro-cap
    10%

The market capitalization breakdown shows a balanced mix across big, mega, medium, small, and micro caps, which is beneficial for diversification. However, the heavy emphasis on larger companies is consistent with the portfolio's overall risk and return profile. Incorporating more small and micro-cap investments could enhance growth potential but also increase volatility.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation between the Vanguard S&P 500 ETF and Vanguard Total Stock Market Index Fund ETF Shares indicates overlapping exposure, which may limit diversification benefits. Identifying and reducing such overlaps can enhance portfolio efficiency by ensuring each investment contributes to diversification.

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 current portfolio's expected return could be improved from its current state to 21.42% by optimizing asset allocation without increasing risk. This optimization suggests reallocating investments to reduce overlap and better diversify across sectors and geographies. Achieving an optimal risk-return balance requires careful consideration of asset correlation and portfolio composition.

Dividends Info

  • Avantis® Emerging Markets Value ETF 3.70%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Cognizant Technology Solutions Corp Class A 1.80%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Weighted yield (per year) 1.52%

The portfolio's dividend yield stands at 1.52%, contributing to total returns especially in volatile or bear markets. While not the primary focus, dividends offer a passive income stream and a measure of stability. Balancing growth and income-generating assets could further optimize returns and risk.

Ongoing product costs Info

  • Avantis® Emerging Markets Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • SPDR Gold Mini Shares 0.10%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.09%

With an overall Total Expense Ratio (TER) of 0.09%, the portfolio is cost-efficient, minimizing the drag on returns due to fees. This low-cost approach is commendable, as it preserves more of your returns. Continuously monitoring and controlling costs remains crucial for enhancing long-term investment outcomes.

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