This portfolio has only about 1.6 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.

Balanced portfolio with a strong focus on technology and international diversification

Report created on Aug 6, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

Your portfolio is structured around a core of major ETFs that provide broad exposure to the US and international equity markets, complemented by specific technology and cryptocurrency investments. The Vanguard S&P 500 ETF and Vanguard Total International Stock Index Fund ETF Shares serve as the backbone, providing diversified exposure to large-cap stocks globally. The inclusion of Invesco QQQ Trust, Alphabet Inc, and NVIDIA Corporation emphasizes a technology tilt, while the iShares Bitcoin Trust introduces cryptocurrency exposure. This composition suggests a strategic blend aimed at capturing growth across a variety of sectors and regions.

Growth Info

Historical performance indicates a robust Compound Annual Growth Rate (CAGR) of 26.46%, with a maximum drawdown of -19.28%. These figures highlight the portfolio's ability to deliver significant returns, albeit with notable volatility. The days contributing most to returns suggest that gains are concentrated in specific periods, underscoring the importance of staying invested through market cycles. Comparing these metrics with benchmarks can provide further context on performance, especially considering the portfolio's risk score.

Projection Info

Monte Carlo simulations, using historical data to project future outcomes, show a wide range of potential growth, emphasizing the uncertainty inherent in investing. With all simulations yielding positive returns, the portfolio appears well-positioned for growth, but the significant spread between the 5th and 67th percentiles highlights the variability of potential outcomes. These projections are useful for setting realistic expectations and preparing for different market scenarios.

Asset classes Info

  • Stocks
    94%
  • Other
    5%
  • Cash
    1%

The portfolio's allocation is heavily weighted towards stocks (94%), with a minimal presence in other asset classes. This concentration in equities is consistent with the portfolio's growth orientation but contributes to higher volatility. Diversifying into additional asset classes like bonds or real estate could provide a buffer during stock market downturns, potentially smoothing out returns over time.

Sectors Info

  • Technology
    30%
  • Telecommunications
    13%
  • Financials
    13%
  • Consumer Discretionary
    9%
  • Industrials
    8%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

With 30% in technology and significant allocations to communication services and financial services, the portfolio is positioned to benefit from growth in these dynamic sectors. However, this concentration also exposes it to sector-specific risks, such as regulatory changes or economic downturns affecting technology stocks more severely. Balancing sector exposure could reduce volatility without significantly compromising growth potential.

Regions Info

  • North America
    72%
  • Europe Developed
    10%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic allocation shows a strong bias towards North America (72%), which is common for US-based investors but may limit global diversification benefits. Expanding exposure to emerging markets and underrepresented regions like Europe Emerging could enhance diversification and tap into growth opportunities outside the US.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    28%
  • Mid-cap
    14%
  • Small-cap
    1%

The focus on mega and big-cap stocks (78% combined) aligns with the portfolio's balanced profile, as these companies typically offer stability and resilience. However, incorporating more medium, small, or micro-cap stocks could enhance growth potential, albeit at the cost of increased volatility.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Invesco QQQ Trust
    High correlation

The high correlation between the Vanguard S&P 500 ETF and Invesco QQQ Trust suggests redundancy, limiting the portfolio's diversification benefits. Reducing overlap by reallocating assets from one to underrepresented areas or less correlated assets could enhance portfolio efficiency without significantly increasing risk.

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 Efficient Frontier analysis suggests room for optimization by addressing highly correlated assets and improving diversification. Focusing on non-overlapping investments could improve the risk-return profile, moving the portfolio closer to the Efficient Frontier, where the highest potential return is achieved for a given level of risk.

Dividends Info

  • Alphabet Inc Class A 0.40%
  • Invesco QQQ Trust 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.37%

The portfolio's dividend yield of 1.37% contributes to total returns, providing a steady income stream in addition to potential capital gains. While the focus on growth stocks typically means lower dividend yields, ensuring a balance between growth and income-generating investments could offer a more stable return profile, especially in volatile markets.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • Invesco QQQ Trust 0.20%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

With a total expense ratio (TER) of 0.05%, the portfolio benefits from low costs, enhancing net returns over the long term. Keeping costs low is crucial for maximizing investment growth, especially in a diversified portfolio where the impact of fees compounds over time.

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