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.
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Balanced and broadly diversified portfolio with a strategic focus on stocks and innovative exposure to Bitcoin

Report created on Jun 9, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is predominantly invested in equities through ETFs, with a significant 65% allocation to the Vanguard Total Stock Market Index Fund ETF Shares, emphasizing a strong belief in the long-term growth potential of the U.S. stock market. The 20% allocation to the Vanguard Total International Stock Index Fund ETF Shares broadens its horizon, introducing a global perspective. A conservative 10% is placed in bonds via the Vanguard Total Bond Market Index Fund ETF Shares, offering stability amidst the equity-heavy selection. The inclusion of a 5% allocation to the iShares Bitcoin Trust is particularly noteworthy, introducing a modern asset class that brings both potential high returns and volatility.

Growth Info

The portfolio has shown impressive historical performance with a Compound Annual Growth Rate (CAGR) of 19.21%, though it's essential to remember that past performance is not indicative of future results. The maximum drawdown of -16.39% indicates the portfolio has weathered market volatility relatively well, considering its heavy stock allocation. The days contributing to 90% of the returns being so few highlights the impact of significant market movements on performance, underscoring the importance of staying invested through market cycles.

Projection Info

Using Monte Carlo simulations, which project future performance based on historical data, we see a wide range of potential outcomes. While these simulations suggest a strong upside, with a median projected increase of 2,625.1%, it's crucial to understand these are hypothetical scenarios. The nearly uniform positive return across simulations underscores the portfolio's robustness but also highlights the inherent uncertainty in such forecasts.

Asset classes Info

  • Stocks
    84%
  • Bonds
    10%
  • Other
    5%
  • Cash
    1%

The asset class distribution with 84% in stocks, 10% in bonds, and a 5% innovative allocation to cryptocurrency through the iShares Bitcoin Trust, demonstrates a balanced approach between growth and stability. This mix aligns with the portfolio's balanced risk profile, leveraging the growth potential of stocks and the stabilizing effect of bonds, while also dipping into the high-risk, high-reward potential of cryptocurrency.

Sectors Info

  • Technology
    22%
  • Financials
    14%
  • Health Care
    9%
  • Consumer Discretionary
    9%
  • Industrials
    9%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

Sector allocation is well-diversified, led by technology (22%), financial services (14%), and evenly spread across healthcare, consumer cyclicals, and industrials. This distribution mirrors the broader market trends and suggests a balanced exposure without over-reliance on any single sector. However, the significant weight in technology is in line with the sector's growing influence on the global economy.

Regions Info

  • North America
    66%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, the portfolio is heavily weighted towards North America (66%), with modest exposure to developed Europe (8%) and emerging Asian markets (3%). This allocation suggests a preference for the relative stability of developed markets, though it may benefit from increased exposure to emerging markets for diversification and growth potential.

Market capitalization Info

  • Mega-cap
    36%
  • Large-cap
    26%
  • Mid-cap
    16%
  • Small-cap
    5%
  • Micro-cap
    1%

The market capitalization breakdown reveals a preference for larger companies, with 36% in mega-cap and 26% in large-cap stocks. This bias towards bigger, more established companies may contribute to the portfolio's stability but could be complemented by a slight increase in small and micro-cap investments for growth potential.

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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Considering the Efficient Frontier, the portfolio appears well-positioned for optimizing the risk-return ratio. The current asset allocation aligns with a balanced risk profile, aiming for substantial growth while managing volatility. Adjustments within the existing assets could further refine this balance, potentially improving the risk-adjusted return without dramatically altering the portfolio's fundamental character.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.30%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.80%

The portfolio's dividend yield stands at an average of 1.80%, with the bond component contributing a higher yield of 3.80%. This yield provides a steady income stream, complementing the growth-focused strategy of the equity allocations. The balanced yield approach supports the portfolio's broader objective of growth with a measure of income generation.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • iShares Bitcoin Trust 0.12%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

The portfolio's overall expense ratio is remarkably low at 0.04%, which is advantageous for long-term growth as lower costs translate directly to higher net returns for investors. This cost efficiency is a strong aspect of the portfolio, emphasizing the selection of low-cost ETFs as a strategic choice to enhance performance.

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