Balanced and diversified portfolio with a global focus and a blend of growth and value strategies

Report created on Jul 28, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Your portfolio showcases a strategic blend of global equity ETFs, emphasizing both growth and value investing across a broad geographic spectrum. The largest allocation is to a world stock index, ensuring comprehensive market coverage. This is complemented by targeted ETFs focusing on momentum, growth, and value strategies within both the U.S. and international markets. The inclusion of small-cap and international value ETFs introduces an additional layer of diversification, aiming to capture potential upside from various market segments.

Growth Info

Historically, your portfolio has demonstrated strong performance with a Compound Annual Growth Rate (CAGR) of 11.43%. The maximum drawdown experienced was -24.73%, which provides insight into potential volatility and risk. Notably, a small number of days contributed significantly to the overall returns, highlighting the impact of short-term market movements on performance. Comparing these figures to benchmark indices would further contextualize these results, helping to understand the portfolio's relative performance during different market conditions.

Projection Info

Monte Carlo simulations, using thousands of random outcomes based on historical data, project a wide range of future portfolio values. At the 50th percentile, your portfolio could potentially increase by 392.9%, indicating robust growth prospects. However, it's crucial to remember that these projections are hypothetical and subject to the limitations of past performance as a predictor of future results. They offer a useful tool for risk assessment and planning but cannot guarantee future outcomes.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio is almost entirely invested in stocks (99%), with a minimal cash holding. This allocation underscores a growth-oriented strategy but also exposes the portfolio to market volatility. Diversifying across different asset classes, including bonds or real estate, could provide additional risk mitigation, especially during periods of stock market downturns.

Sectors Info

  • Technology
    21%
  • Financials
    20%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Telecommunications
    8%
  • Health Care
    8%
  • Consumer Staples
    6%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector allocation reveals a strong emphasis on technology and financial services, together comprising over 40% of the portfolio. While these sectors can offer significant growth opportunities, they also come with higher volatility. Balancing these with investments in more stable sectors like healthcare or consumer defensive could enhance the portfolio's resilience against market fluctuations.

Regions Info

  • North America
    65%
  • Europe Developed
    18%
  • Japan
    7%
  • Asia Emerging
    3%
  • Asia Developed
    3%
  • Australasia
    3%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic allocation is heavily weighted towards North America (65%), with significant exposure to developed European markets and Japan. Emerging markets represent a smaller fraction of the portfolio. This distribution reflects a cautious approach to international investing, favoring established economies over higher-risk emerging markets. Considering a slight increase in emerging market exposure could enhance growth potential and diversification.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    32%
  • Mid-cap
    19%
  • Small-cap
    5%
  • Micro-cap
    1%

The portfolio's market capitalization breakdown shows a preference for mega and big-cap stocks, which tend to be more stable and less volatile than smaller companies. However, the presence of small and micro-cap investments, particularly through specialized ETFs, introduces growth potential albeit with increased risk. A balanced approach to market capitalization can help manage risk while pursuing growth.

Redundant positions Info

  • Avantis® International Small Cap Value ETF
    Dimensional International Value ETF
    High correlation

The portfolio contains highly correlated assets, particularly within the international small-cap value space. This redundancy could limit diversification benefits and expose the portfolio to unnecessary risk. Identifying and reducing overlap by reallocating assets or choosing more distinct ETFs could improve the portfolio's overall efficiency and 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 current portfolio could be optimized by addressing the overlap in highly correlated assets, which currently do not add diversification benefits. Reallocating these investments to less correlated assets or different sectors/geographies could enhance the portfolio's risk-return profile. The potential for an optimized portfolio to achieve an 18.22% expected return, albeit with a higher risk level, suggests room for strategic adjustments to improve performance.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.70%
  • Dimensional International Value ETF 3.30%
  • Invesco S&P International Developed Momentum ETF 2.00%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares 0.50%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Vanguard Value Index Fund ETF Shares 2.10%
  • Weighted yield (per year) 1.77%

The portfolio's dividend yield stands at 1.77%, contributed by varying yields across different ETFs. While not the primary focus, dividends offer a source of passive income and can provide a cushion during market downturns. Evaluating the balance between growth potential and income generation could align the portfolio more closely with your financial goals and risk tolerance.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Dimensional International Value ETF 0.27%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares 0.08%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.12%

With a Total Expense Ratio (TER) of 0.12%, the portfolio's costs are impressively low, which is beneficial for long-term performance. Keeping costs minimal is crucial in maximizing returns, especially in a diversified portfolio where the impact of fees can compound across multiple investments.

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