This portfolio has only about 1.2 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.
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A cautiously structured portfolio with high dividend yield and moderate sector diversification

Report created on Apr 22, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

This portfolio is evenly divided across ten holdings, each constituting 10% of the total. It includes a mix of common stocks and ETFs, with a notable emphasis on income-generating assets. Such a structure suggests a focus on steady income rather than aggressive growth. Compared to typical benchmarks, this portfolio's composition leans towards income sustainability. A balanced allocation like this can help mitigate risks while providing consistent returns. However, consider reviewing the asset overlap to ensure optimal diversification and reduce redundancy.

Growth Info

Historically, this portfolio has shown a strong Compound Annual Growth Rate (CAGR) of 12.03%, with a maximum drawdown of -9.57%. This indicates a resilient performance during downturns, showcasing its ability to recover losses effectively. When compared to the broader market, the portfolio's performance aligns well with cautious investment goals. However, it's crucial to remember that past performance doesn't guarantee future results. Keeping an eye on market trends and adjusting allocations as needed can help maintain its performance.

Projection Info

Monte Carlo simulations, which use historical data to forecast potential outcomes, indicate a promising future for this portfolio. The median projection suggests a 390.1% growth, with a high likelihood of positive returns. This optimistic outlook stems from the portfolio's cautious risk profile and diversified asset base. While simulations offer insights, they aren't foolproof. Market conditions can change, affecting outcomes. Regularly revisiting the portfolio's performance and adjusting strategies can help align with evolving financial goals.

Asset classes Info

  • Stocks
    76%
  • Bonds
    19%
  • No data
    3%
  • Cash
    2%

The portfolio's asset allocation consists of 76% stocks, 19% bonds, and small percentages in other categories. This mix provides a solid foundation for income generation and risk management. Compared to benchmarks, the allocation leans more towards equities, which can enhance returns but also increase volatility. A diversified asset class approach helps cushion against market fluctuations. Consider periodically reviewing asset class weights to ensure they align with your risk tolerance and financial objectives, adjusting as needed.

Sectors Info

  • Consumer Staples
    25%
  • Technology
    16%
  • Financials
    14%
  • Consumer Discretionary
    6%
  • Telecommunications
    5%
  • Health Care
    5%
  • Industrials
    4%
  • Energy
    3%
  • Utilities
    1%
  • Basic Materials
    1%
  • Real Estate
    1%

Sector allocation is diverse, with Consumer Defensive (25%) and Technology (16%) leading the way. This balance reflects a strategy that combines stability with growth potential. Consumer Defensive sectors often offer resilience during economic downturns, while Technology can drive growth. However, the portfolio's sector composition may benefit from further diversification to mitigate sector-specific risks. Regularly reviewing sector performance and trends can provide insights into potential adjustments for enhanced stability and returns.

Regions Info

  • North America
    69%
  • Europe Developed
    11%

Geographically, the portfolio is heavily weighted towards North America (69%), with limited exposure to Europe Developed (11%) and none in emerging markets. This concentration aligns with a cautious investment approach but may limit growth opportunities. Diversifying geographically can reduce regional risks and tap into global growth potential. Consider exploring opportunities in underrepresented regions to enhance diversification and potentially improve risk-adjusted returns, especially as global markets evolve.

Market capitalization Info

  • Large-cap
    50%
  • Mega-cap
    18%
  • Mid-cap
    8%
  • Small-cap
    1%

The portfolio is predominantly invested in large-cap stocks, with 50% in big and 18% in mega-cap companies. This emphasis on larger companies typically offers stability and lower volatility, which aligns with the cautious risk profile. However, the limited exposure to medium and small-cap stocks may restrict growth potential. Introducing a modest allocation to smaller-cap stocks could enhance diversification and capture opportunities in emerging sectors, balancing risk and reward.

Redundant positions Info

  • SHP ETF Trust - NEOS S&P 500 High Income ETF
    NEOS Nasdaq 100 High Income ETF
    JPMorgan Nasdaq Equity Premium Income ETF
    High correlation

Several holdings in this portfolio exhibit high correlation, particularly among ETFs like NEOS Nasdaq 100 High Income ETF and SHP ETF Trust - NEOS S&P 500 High Income ETF. High correlation means these assets tend to move in tandem, potentially limiting diversification benefits. During market downturns, this could amplify losses. Consider reducing exposure to highly correlated assets and replacing them with less correlated alternatives to improve diversification and risk management.

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.

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The portfolio can be optimized using the Efficient Frontier, which seeks the best risk-return ratio by adjusting current allocations. While the current portfolio is well-structured for its risk level, optimizing could enhance returns to an expected 8.55% with a lower risk level of 2.12%. This involves reallocating assets to achieve a more efficient balance. Regularly exploring optimization opportunities can help maintain a portfolio that aligns with evolving financial goals and market conditions.

Dividends Info

  • Ares Capital Corporation 9.60%
  • British American Tobacco p.l.c. 5.20%
  • Panagram Bbb-B Clo ETF 8.90%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 6.10%
  • JPMorgan Equity Premium Income ETF 8.20%
  • JPMorgan Nasdaq Equity Premium Income ETF 12.10%
  • Altria Group 5.20%
  • NEOS Nasdaq 100 High Income ETF 16.60%
  • Schwab U.S. Dividend Equity ETF 4.20%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 13.90%
  • Weighted yield (per year) 9.00%

With a total yield of 9.00%, this portfolio is designed for substantial income generation. High dividend yields from assets like NEOS Nasdaq 100 High Income ETF (16.60%) and JPMorgan Nasdaq Equity Premium Income ETF (12.10%) contribute significantly to overall returns. For income-focused investors, dividends provide a reliable revenue stream. However, high yields can signal riskier investments. Regularly assess the sustainability of these dividends to ensure long-term income stability.

Ongoing product costs Info

  • Panagram Bbb-B Clo ETF 0.51%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 0.21%
  • JPMorgan Equity Premium Income ETF 0.35%
  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • NEOS Nasdaq 100 High Income ETF 0.68%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 0.68%
  • Weighted costs total (per year) 0.28%

The portfolio's total expense ratio (TER) is 0.28%, with individual ETF costs ranging from 0.06% to 0.68%. These costs are relatively low, supporting better long-term performance by minimizing expenses that erode returns. Keeping costs in check is crucial for maximizing net gains. Regularly reviewing and comparing expense ratios can help identify cost-saving opportunities. Consider reallocating to lower-cost alternatives if available, maintaining the portfolio's cost efficiency.

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