A growth biased concentrated portfolio with leveraged equity large bond and gold exposure

Report created on Dec 13, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

Observation: The portfolio is highly concentrated in four ETFs with 60% in a leveraged S&P 500 ETF, 20% in a long‑duration Treasury ETF, and two smaller 10% positions in gold and a rules based equity ETF. Education: Concentration in a single leveraged equity vehicle amplifies both upside and downside relative to a more balanced multi‑asset mix; having a sizable long‑duration Treasury allocation provides a structural hedge against deflationary shocks. Recommendation: Consider lowering the single ETF concentration and spreading allocations across multiple uncorrelated instruments to retain intended exposures while reducing single‑instrument risk.

Growth Info

Observation: The portfolio shows a strong historical CAGR of 16.20% with a maximum drawdown of −35.67% and a small number of days driving most gains. Education: CAGR (Compound Annual Growth Rate) describes average annual growth over time similar to an averaged driving speed; CAGR alone hides sequence risk and volatility which is why max drawdown matters. Recommendation: Treat past outperformance as informative but not predictive; run stress tests for deeper drawdowns, plan position sizing to survive large drops, and consider smoothing returns via modest rebalancing or less leverage.

Projection Info

Observation: Monte Carlo simulation with 1,000 runs produced a wide range of outcomes from a 5th percentile −41.3% to a median +170.4% and an annualized simulation mean of 10.31%. Education: Monte Carlo projects many possible future paths by randomizing returns based on historical patterns; it’s a probabilistic view, not a forecast, and it relies on past behavior which may not repeat. Recommendation: Use these simulations to shape risk limits and contingency plans for downside scenarios, and complement them with scenario analysis for extreme market regimes rather than relying solely on median outcomes.

Asset classes Info

  • Stocks
    48%
  • Bonds
    21%
  • Cash
    20%
  • Other
    11%

Observation: Asset mix reads roughly 48% equities 21% bonds 20% cash and 11% other which signals a growth tilt but with sizable cash and an unusual “other” bucket. Education: A balanced allocation helps smooth returns because different asset classes respond differently to market conditions; high cash proportion can drag long‑term performance while providing dry powder. Recommendation: Clarify the role of cash and the “other” assets, then either deploy idle cash into strategic holdings consistent with the risk profile or keep it as a tactical buffer with a defined re‑deployment rule.

Sectors Info

  • Technology
    22%
  • Financials
    8%
  • Telecommunications
    7%
  • Consumer Discretionary
    6%
  • Health Care
    6%
  • Industrials
    4%
  • Consumer Staples
    3%
  • Energy
    2%
  • Utilities
    1%
  • Real Estate
    1%
  • Basic Materials
    1%

Observation: Technology comprises the largest sector exposure at 22% with the rest spread thinly across financials, communications, consumer cyclicals and healthcare, and small weights in energy and utilities. Education: Sector concentration can increase sensitivity to specific economic and policy cycles; for example tech‑heavy mixes may show elevated volatility during rate shocks or sentiment reversals. Recommendation: Assess whether the technology tilt is intentional; if not, trim overweighted sector exposure and add broader sector diversification or defensive tilts to reduce cyclical risk.

Regions Info

  • North America
    60%

Observation: Geographic exposure is concentrated in North America at about 60% with negligible developed ex‑US and emerging market weights. Education: Regional concentration leaves the portfolio exposed to country‑specific risks, regulatory shifts, and currency moves; international diversification can smooth returns and capture different growth cycles. Recommendation: Consider adding developed ex‑US and emerging market exposure incrementally to broaden the opportunity set and reduce single‑country dependency while monitoring geopolitical and currency considerations.

Market capitalization Info

  • Mega-cap
    21%
  • Large-cap
    16%
  • Mid-cap
    8%

Observation: The portfolio favors large capitalizations with mega and big caps making up most exposure and near zero small cap allocation. Education: Large caps generally offer greater stability, liquidity, and lower volatility than small caps but may miss higher growth opportunities and diversification benefits that smaller companies can provide. Recommendation: If long‑term growth is the objective, evaluate modest additions to mid and small cap exposures to enhance diversification and capture potential excess returns, while keeping position sizes controlled.

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.

Observation: An optimization limited to current assets suggests a more efficient mix could raise expected return to 17.49% at an indicated 12.00% risk level relative to the present allocation. Education: The Efficient Frontier is a framework that identifies portfolios offering the highest expected return for each risk level given a set of assets; here it shows reweighting the same ingredients could improve the risk‑return tradeoff but it cannot add new assets or change their intrinsic risk. Recommendation: Consider a constrained optimization exercise to test practical reweighting options, then implement gradual weight shifts with risk controls rather than wholesale changes to avoid execution timing risk.

Dividends Info

  • KFA Mount Lucas Index Strategy ETF 0.90%
  • ProShares Ultra S&P500 0.70%
  • PIMCO 25+ Year Zero Coupon U.S. Treasury Index Exchange-Traded Fund 4.80%
  • Weighted yield (per year) 1.47%

Observation: The portfolio’s blended dividend yield is modest at about 1.47% with higher income coming from the long‑duration Treasury ETF and low equity yields otherwise. Education: Dividends contribute to total return and can provide cash flow; for growth focused strategies, dividends are a smaller return component versus capital appreciation, but they can smooth returns during stagnant markets. Recommendation: Decide whether income matters; if stability or yield is desired, tilt to higher yielding instruments or bond allocations, otherwise keep the current low‑yield growth posture but be aware of reinvestment and tax implications.

Ongoing product costs Info

  • SPDR Gold Mini Shares 0.10%
  • KFA Mount Lucas Index Strategy ETF 0.90%
  • ProShares Ultra S&P500 0.91%
  • PIMCO 25+ Year Zero Coupon U.S. Treasury Index Exchange-Traded Fund 0.15%
  • Weighted costs total (per year) 0.68%

Observation: The portfolio’s total expense ratio aggregates to roughly 0.68% driven by higher fees on the leveraged and active ETFs and lower fees on the Treasury ETF and gold. Education: TER (Total Expense Ratio) is the annual fee as a percent of assets that reduces net returns over time like a persistent drag on performance; even modest fee differences compound significantly over long horizons. Recommendation: Evaluate lower cost alternatives for similar exposures where possible, and weigh fee savings against the unique benefits of active or leveraged products before swapping holdings.

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