Balanced and broadly diversified portfolio with a strategic focus on growth and global exposure
Report created on Aug 12, 2025Risk profile
4/7
Diversification profile
4/5
Positions
-
FS Fidelity Small-Mid Factor
FSMD - US3160925273 25.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 25.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 25.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00%
Your portfolio showcases a strategic blend of ETFs, focusing on major US indices and international markets, with an equal distribution across four key ETFs. This structure offers a broad market exposure, capturing growth opportunities in both domestic and international spheres. The inclusion of small to mid-cap stocks alongside large-cap stocks from the NASDAQ 100 and S&P 500 enhances your portfolio's growth potential while maintaining a balance between risk and return.
Growth
Historically, your portfolio has achieved a Compound Annual Growth Rate (CAGR) of 13.98%, with a maximum drawdown of -25.88%. This performance indicates a robust growth trajectory, albeit with significant volatility. The days contributing to 90% of the returns being concentrated in just 19.0 days highlight the impact of short-term gains and the importance of staying invested during market fluctuations to capture potential high-return days.
Projection
Monte Carlo simulations, utilizing 1,000 iterations to forecast future performance, suggest a wide range of outcomes. With 992 simulations showing positive returns, the median projection indicates a potential 496.2% increase, underscoring the portfolio's strong growth prospects. However, the 5th percentile outcome at 78.6% warns of lower-bound risks, emphasizing the need for risk management.
Asset classes
- Stocks 99%
- Cash 1%
Your portfolio's asset allocation is heavily weighted towards stocks (99%), with a minimal cash holding (1%). This allocation is conducive to growth but comes with higher volatility. Given the absence of bonds or alternative investments, diversification is primarily achieved through stock selection across different sectors and geographies, rather than asset class variation.
Sectors
- Technology 28%
- Financials 14%
- Consumer Discretionary 12%
- Industrials 12%
- Telecommunications 8%
- Health Care 8%
- Consumer Staples 6%
- Basic Materials 3%
- Energy 3%
- Real Estate 3%
- Utilities 2%
The sectoral allocation is well-diversified, with a significant tilt towards technology (28%). This tech-heavy focus aligns with current market trends but may expose the portfolio to sector-specific risks, such as regulatory changes or market sentiment shifts. The presence of financial services, consumer cyclicals, and industrials provides a counterbalance, mitigating some of the tech sector's volatility.
Regions
- North America 76%
- Europe Developed 10%
- Asia Emerging 4%
- Japan 4%
- Asia Developed 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, the portfolio is predominantly invested in North America (76%), with meaningful allocations in developed Europe (10%) and emerging Asia (4%). This distribution reflects a strong domestic bias, which may limit exposure to global growth opportunities. Increasing allocations to underrepresented regions could enhance diversification and reduce geopolitical risk.
Market capitalization
- Mega-cap 37%
- Large-cap 25%
- Mid-cap 17%
- Small-cap 16%
- Micro-cap 5%
The market capitalization breakdown reveals a balanced approach, with allocations across mega (37%), big (25%), medium (17%), small (16%), and micro (5%) cap stocks. This diversification across company sizes can help mitigate risk and capitalize on growth opportunities in different market segments.
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, your portfolio appears well-positioned for optimizing the risk-return ratio based on current assets and allocations. However, ongoing reviews and adjustments are necessary to maintain this optimization, especially as market conditions evolve. Balancing growth potential with risk management will be key.
Dividends
- Fidelity Small-Mid Factor 1.30%
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.45%
The dividend yield across the portfolio averages 1.45%, with the highest yield from the Vanguard Total International Stock Index Fund ETF Shares at 2.80%. While not the primary focus, dividends contribute to total return and provide a modest income stream, which can be reinvested for compound growth.
Ongoing product costs
- Fidelity Small-Mid Factor 0.15%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.10%
Your portfolio benefits from low total expense ratios (TER), averaging 0.10%, which is impressive and supports better long-term performance by minimizing cost drag. This cost efficiency is crucial for maximizing net returns, especially in a low-yield environment.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
Compare your holdings
How much do the funds you hold actually overlap with the ones people weigh them against?
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