Balanced portfolio with a strong tilt towards dividend and growth funds

Report created on Nov 3, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is primarily composed of four Vanguard funds, with a significant 60% allocation towards the Vanguard Dividend Appreciation Index Fund Admiral Shares, emphasizing income through dividends. The 20% allocation in the Vanguard Growth Index Fund Admiral Shares suggests a growth strategy, while the 12% in Vanguard Total International Stock Index Fund Admiral Shares and 8% in Vanguard Total Stock Market Index Fund Admiral Shares provide a mix of domestic and international equity exposure. This setup indicates a strategy that balances income generation with growth potential, leaning heavily towards U.S. equities.

Growth Info

Historical performance showcases a Compound Annual Growth Rate (CAGR) of 13.96%, with a maximum drawdown of -32.07%. These figures highlight a robust growth trajectory over the observed period, though the significant drawdown points to moments of considerable volatility. The days contributing to 90% of returns being concentrated in just 33.0 days underlines the impact of short, sharp market movements on overall performance.

Projection Info

Monte Carlo simulations, running 1,000 scenarios, predict a wide range of potential outcomes, from a low 5th percentile increase of 92.0% to a median 50th percentile growth of 507.6%. The high likelihood of positive returns in 997 out of 1,000 simulations underscores the portfolio's potential for substantial growth, albeit with inherent uncertainty.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio is almost entirely invested in stocks (99%), with a nominal cash holding (1%). This heavy equity allocation aligns with the portfolio's growth orientation but also increases its sensitivity to market volatility. The lack of diversification into other asset classes, such as bonds or real estate, may limit risk mitigation opportunities.

Sectors Info

  • Technology
    29%
  • Financials
    19%
  • Health Care
    12%
  • Industrials
    10%
  • Consumer Discretionary
    8%
  • Consumer Staples
    8%
  • Telecommunications
    5%
  • Basic Materials
    3%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    1%

Sector allocation is diversified across technology (29%), financial services (19%), and healthcare (12%), among others. This spread suggests a balanced approach to sector exposure, with a notable emphasis on technology and financial services. Such a composition can offer growth opportunities but may also expose the portfolio to sector-specific risks.

Regions Info

  • North America
    89%
  • Europe Developed
    5%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%
  • Australasia
    1%

Geographic allocation is heavily skewed towards North America (89%), with minimal exposure to emerging markets and other developed regions. This concentration enhances exposure to the U.S. economy's growth potential but also increases vulnerability to its market cycles and geopolitical risks.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    37%
  • Mid-cap
    15%
  • Small-cap
    3%

The portfolio's market capitalization breakdown, with 45% in mega-cap stocks, 37% in large caps, and a smaller allocation towards mid, small, and micro caps, suggests a conservative stance, favoring stability and resilience offered by larger companies. This bias towards larger companies may reduce volatility but could also limit potential high-growth opportunities from smaller firms.

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, this portfolio appears well-positioned for its risk-return profile. However, there's always room for optimization, especially in enhancing diversification across asset classes and geographies to improve the risk-return ratio further without necessarily sacrificing potential returns.

Dividends Info

  • VANGUARD DIVIDEND APPRECIATION INDEX FUND ADMIRAL SHARES 1.60%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.40%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 2.10%
  • Vanguard Total Stock Market Index Fund Admiral Shares 1.10%
  • Weighted yield (per year) 1.38%

The dividend yield across the portfolio averages 1.38%, with the highest yield from the Vanguard Total International Stock Index Fund Admiral Shares at 2.10%. This focus on dividend-yielding assets can provide a steady income stream, supplementing growth and offering some cushion during market dips.

Ongoing product costs Info

  • VANGUARD DIVIDEND APPRECIATION INDEX FUND ADMIRAL SHARES 0.07%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.05%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 0.09%
  • Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
  • Weighted costs total (per year) 0.07%

The portfolio's average Total Expense Ratio (TER) of 0.07% is impressively low, maximizing the potential for net returns. Low costs are crucial for long-term investment success, especially in a strategy that leans heavily on market returns through index funds.

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