Balanced portfolio with a focus on ETFs across diverse sectors and strong past performance

Report created on Sep 15, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio is predominantly invested in ETFs, showcasing a strategic mix of large-cap, small-cap, value, and momentum stocks, alongside a minor allocation to bonds and commodities like gold. This composition indicates a tilt towards equity for growth while maintaining a balance with fixed income and commodities for risk mitigation. The significant weight in ETFs like American Century and SPDR Portfolio S&P 500 suggests a preference for broad market exposure, especially within the U.S. market.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 19.92% and a maximum drawdown of -15.32%, the portfolio has demonstrated strong historical performance. The days contributing to 90% of returns being limited to 18 indicates that the portfolio's gains are concentrated in specific periods, which could suggest volatility but also significant growth potential. Comparing these metrics to a benchmark would offer insight into relative performance, especially during market downturns.

Projection Info

Monte Carlo simulations, which use historical data to forecast potential future outcomes, suggest a wide range of results with a median increase of 1,819.1%. While this tool helps visualize potential futures, it's critical to remember that past performance is not a reliable indicator of future results. The simulations underscore the portfolio's growth potential but also highlight the importance of risk management.

Asset classes Info

  • Stocks
    90%
  • Bonds
    13%
  • Other
    3%

The asset allocation leans heavily towards stocks (90%) with a smaller presence in bonds (13%) and other assets (3%). This distribution supports the portfolio's growth orientation but increases its sensitivity to market fluctuations. The over 100% total allocation indicates leverage or overlapping exposure, which could amplify both gains and losses.

Sectors Info

  • Financials
    19%
  • Technology
    15%
  • Consumer Discretionary
    12%
  • Industrials
    11%
  • Telecommunications
    6%
  • Energy
    6%
  • Basic Materials
    6%
  • Health Care
    5%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Real Estate
    1%

Sectoral allocation is diversified across financial services, technology, and consumer cyclicals, among others, offering a balanced exposure to various segments of the economy. This diversification helps mitigate sector-specific risks but the heavy weighting in financial services and technology sectors could expose the portfolio to higher volatility in these areas.

Regions Info

  • North America
    60%
  • Europe Developed
    11%
  • Japan
    6%
  • Asia Emerging
    5%
  • Asia Developed
    4%
  • Australasia
    2%
  • Latin America
    1%
  • Africa/Middle East
    1%

The geographic allocation is heavily skewed towards North America (60%), with smaller exposures to developed Europe, Japan, and emerging markets in Asia. This concentration in developed markets, particularly the U.S., aligns with the portfolio's growth objectives but may limit exposure to potential gains in emerging markets and increase vulnerability to regional economic fluctuations.

Market capitalization Info

  • Mega-cap
    24%
  • Large-cap
    20%
  • Mid-cap
    17%
  • Small-cap
    16%
  • Micro-cap
    9%
  • No data
    3%

The market capitalization breakdown shows a balanced exposure across mega, big, medium, small, and micro-cap stocks. This diversity supports risk management by spreading investments across companies of different sizes, though the significant positions in smaller and micro-cap stocks could introduce higher volatility.

Redundant positions Info

  • Avantis® U.S. Small Cap Value ETF
    Invesco S&P MidCap Value with Momentum ETF
    High correlation

The high correlation between Avantis U.S. Small Cap Value ETF and Invesco S&P MidCap Value with Momentum ETF suggests redundancy, limiting the diversification benefits of holding both. Reducing overlap in the portfolio could enhance its efficiency by lowering risk without sacrificing expected returns.

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 portfolio could benefit from optimization to enhance its risk-return profile. Removing highly correlated assets could improve diversification. By adjusting the allocation, the portfolio could potentially achieve an expected return of 19.80% with a slightly higher risk level, indicating room for efficiency improvements without deviating significantly from its current risk posture.

Dividends Info

  • American Century ETF Trust 3.10%
  • Avantis® U.S. Small Cap Value ETF 1.60%
  • PIMCO ETF Trust 5.90%
  • SPDR® Portfolio S&P 500 ETF 1.10%
  • Invesco S&P 500® Momentum ETF 0.50%
  • Invesco S&P MidCap Value with Momentum ETF 1.90%
  • Weighted yield (per year) 2.13%

The portfolio's average dividend yield of 2.13% contributes to its total return, providing a steady income stream in addition to potential capital gains. The varying yields across ETFs reflect the different income-generating capabilities and investment strategies within the portfolio, with PIMCO ETF Trust offering the highest yield at 5.90%.

Ongoing product costs Info

  • American Century ETF Trust 0.34%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Gold Trust 0.25%
  • PIMCO ETF Trust 0.55%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Invesco S&P MidCap Value with Momentum ETF 0.39%
  • Weighted costs total (per year) 0.23%

With a total expense ratio (TER) of 0.23%, the portfolio's costs are relatively low, which is beneficial for long-term growth as lower costs can significantly impact net returns. The wide range of individual ETF costs, from 0.02% to 0.55%, highlights the importance of cost consideration in ETF selection.

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