This portfolio has only about 1.4 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 high diversification and a focus on dividend income

Report created on Nov 5, 2025

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This portfolio showcases a strategic blend of ETFs across various sectors, asset classes, and geographies, underlining a commitment to diversification. With a significant tilt towards stocks (82%) and a notable allocation in bonds (7%) and other assets (9%), the portfolio is designed to balance growth potential with risk mitigation. The inclusion of specialized ETFs targeting high dividend income, alongside broad market exposure through indexes like the Vanguard S&P 500 ETF and Vanguard Total International Stock Index Fund ETF Shares, suggests a nuanced approach to achieving both capital appreciation and income generation.

Growth Info

Historically, the portfolio has demonstrated robust performance, with a Compound Annual Growth Rate (CAGR) of 18.72%. This is a strong indicator of the portfolio's ability to capitalize on market opportunities while managing risk effectively. However, it's crucial to remember that past performance is not always indicative of future results. The maximum drawdown of -14.21% provides insight into the portfolio's volatility during market downturns, which, given the balanced nature of the portfolio, appears to be within a manageable range for most investors seeking moderate growth.

Projection Info

Utilizing Monte Carlo simulations, which project future performance based on historical data, the portfolio shows a wide range of potential outcomes. While these simulations can offer valuable insights, it's important to approach them with caution as they inherently carry assumptions and limitations. The simulations suggest a median potential growth of 1,317.6%, which underscores the portfolio's strong growth potential. However, investors should consider these projections as one of many tools in making informed decisions.

Asset classes Info

  • Stocks
    82%
  • Other
    9%
  • Bonds
    7%
  • Cash
    2%

The portfolio's asset allocation leans heavily towards stocks, which is typical for a growth-oriented strategy aiming for higher returns. The presence of bonds and other assets, including precious metals ETFs, adds a layer of risk management, potentially smoothing out volatility. Comparing this allocation to traditional benchmarks, the portfolio is well-positioned for investors comfortable with moderate risk levels, seeking both growth and income.

Sectors Info

  • Technology
    22%
  • Financials
    13%
  • Consumer Discretionary
    9%
  • Industrials
    8%
  • Health Care
    8%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

With technology, financial services, and consumer cyclicals leading the sectoral allocation, the portfolio is poised 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 these industries disproportionately. Diversifying across a broader range of sectors could help mitigate this risk while still capturing growth opportunities.

Regions Info

  • North America
    60%
  • Europe Developed
    10%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • Latin America
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

The geographic allocation emphasizes North America with a 60% exposure, complemented by diversified investments in developed Europe, emerging Asia, and other regions. This distribution supports risk management by capturing growth in different economic cycles across the globe. However, the relatively low exposure to emerging markets may limit potential high-growth opportunities in these regions.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    26%
  • Mid-cap
    12%
  • Small-cap
    6%
  • Micro-cap
    4%

The portfolio's market capitalization exposure, with a focus on mega and big cap stocks, aligns with its balanced risk profile. These companies typically offer stability and consistent returns but may grow more slowly than their smaller counterparts. Including a greater mix of medium, small, and micro-cap stocks could enhance growth potential, albeit with increased volatility.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Schwab U.S. Large-Cap Growth ETF
    NEOS Nasdaq 100 High Income ETF
    Goldman Sachs Nasdaq-100 Core Premium Income ETF
    SHP ETF Trust - NEOS S&P 500 High Income ETF
    Vanguard Total World Stock Index Fund ETF Shares
    High correlation

The high correlation observed among several ETFs, particularly those tracking major indexes and sectors, suggests redundancy that may not contribute to diversification. Reducing overlap by consolidating similar positions or reallocating to less correlated assets can enhance the portfolio's efficiency, potentially improving risk-adjusted returns without significantly altering the risk profile.

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 analysis suggests that the portfolio could be optimized for a more efficient risk-return balance by addressing the high correlation among certain assets. Achieving an expected return of 8.06% with a lower risk level indicates room for improvement in asset allocation. By focusing on diversification and reducing overlap, the portfolio can potentially enhance its performance while maintaining a balanced risk profile.

Dividends Info

  • Goldman Sachs Nasdaq-100 Core Premium Income ETF 8.80%
  • Amplify International Enhanced Dividend Income ETF 5.40%
  • NEOS Nasdaq 100 High Income ETF 13.50%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 11.70%
  • Vanguard Short-Term Treasury Index Fund ETF Shares 4.00%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.50%
  • NEOS Russell 2000 High Income ETF 14.40%
  • Weighted yield (per year) 4.49%

The portfolio's focus on dividend-yielding ETFs is a strategic approach to generating income, with some ETFs offering yields significantly above average. This strategy not only provides a steady income stream but also contributes to total return, particularly in volatile or declining markets. Investors should balance the pursuit of high dividends with the overall quality and growth potential of the underlying investments.

Ongoing product costs Info

  • SPDR Gold Mini Shares 0.10%
  • Goldman Sachs Nasdaq-100 Core Premium Income ETF 0.29%
  • Amplify International Enhanced Dividend Income ETF 0.66%
  • NEOS Nasdaq 100 High Income ETF 0.68%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • iShares Silver Trust 0.50%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 0.68%
  • Vanguard Short-Term Treasury Index Fund ETF Shares 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • NEOS Russell 2000 High Income ETF 0.68%
  • Weighted costs total (per year) 0.24%

The portfolio's total expense ratio (TER) of 0.24% is relatively low, which is advantageous for long-term growth as lower costs directly translate to higher net returns. However, individual ETF expenses vary, and the higher-cost funds should be evaluated to ensure they provide sufficient value through either superior performance or unique exposure that justifies their costs.

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