This portfolio has only about 1.9 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 and moderately diversified portfolio with a strong focus on technology and North American equities

Report created on Aug 3, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is characterized by a significant allocation towards ETFs, accounting for 90% of the portfolio, with a focus on technology and dividend-paying assets. The inclusion of common stocks, such as Realty Income Corporation and The Coca-Cola Company, adds a touch of direct equity investment, though these positions are relatively small. The heavy emphasis on ETFs suggests a strategy aimed at capturing broad market returns with a tilt towards growth sectors, particularly technology, which is evident from the substantial allocations to Invesco QQQ Trust and Vanguard Information Technology Index Fund ETF Shares.

Growth Info

With a historical Compound Annual Growth Rate (CAGR) of 20.99%, the portfolio has demonstrated strong performance, albeit with a notable maximum drawdown of -15.93%. These figures suggest that while the portfolio has the potential for high returns, it also carries a significant level of risk, as indicated by the days that contribute to 90% of returns. This volatility highlights the importance of risk tolerance and the need for a balanced approach to asset allocation.

Projection Info

Forward projections based on Monte Carlo simulations show a wide range of potential outcomes, with the median projection suggesting a substantial increase in value. However, it's crucial to remember that these simulations are based on historical data and assumptions that may not account for future market conditions. The high number of simulations with positive returns is encouraging but should be tempered with an understanding of market unpredictability.

Asset classes Info

  • Stocks
    99%
  • No data
    1%

The portfolio's asset class allocation is heavily skewed towards stocks, which comprise 99% of the portfolio. This concentration in equities is aligned with the portfolio's balanced risk profile but may limit diversification benefits. The small allocation to 'NotClassified' assets and the absence of cash or fixed-income investments indicate a strong growth orientation but also highlight a potential area for increasing diversification and reducing volatility.

Sectors Info

  • Technology
    37%
  • Industrials
    16%
  • Consumer Discretionary
    9%
  • Consumer Staples
    8%
  • Telecommunications
    8%
  • Health Care
    7%
  • Financials
    5%
  • Real Estate
    5%
  • Energy
    5%
  • Basic Materials
    1%
  • Utilities
    1%

Sector allocation reveals a significant tilt towards technology, which constitutes 37% of the portfolio. This concentration can offer high growth potential but also exposes the portfolio to sector-specific risks, such as regulatory changes or market sentiment shifts. The presence of industrials, consumer cyclicals, and other sectors provides some diversification, though the heavy tech focus warrants careful monitoring.

Regions Info

  • North America
    93%
  • Europe Developed
    5%
  • Asia Developed
    1%

Geographic exposure is predominantly North American (93%), with minimal exposure to developed Europe and negligible allocations to other regions. This concentration enhances the portfolio's potential for growth, given the historical performance of North American markets, but also increases vulnerability to regional economic fluctuations. Expanding into more diverse geographic areas could offer additional diversification benefits.

Market capitalization Info

  • Large-cap
    42%
  • Mega-cap
    36%
  • Mid-cap
    17%
  • Small-cap
    3%
  • Micro-cap
    1%

The portfolio's market capitalization exposure leans heavily towards big and mega-cap stocks, which together make up 78% of the allocation. This focus on larger companies may provide stability and reduce volatility but can also limit the potential for outsized gains from smaller, high-growth companies. Including a broader mix of market caps could enhance return potential while managing risk.

Redundant positions Info

  • Vanguard Growth Index Fund ETF Shares
    Vanguard Information Technology Index Fund ETF Shares
    Invesco QQQ Trust
    High correlation

The high correlation among the Vanguard Growth Index Fund ETF Shares, Vanguard Information Technology Index Fund ETF Shares, and Invesco QQQ Trust indicates a redundancy in exposure that may not contribute to diversification. This overlap primarily in the technology sector could amplify risks during market downturns. Diversifying into less correlated assets or sectors may help in mitigating this 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 portfolio's current allocation suggests room for optimization, particularly by addressing the overlap in highly correlated assets. This optimization could involve reallocating investments to reduce redundancy and improve the risk-return profile. Utilizing the Efficient Frontier concept can help in identifying an allocation that offers the best possible return for a given level of risk, though it's important to consider personal investment goals and risk tolerance in any adjustments.

Dividends Info

  • Canadian National Railway Company 2.70%
  • JPMorgan Equity Premium Income ETF 8.00%
  • The Coca-Cola Company 2.90%
  • Realty Income Corporation 5.20%
  • Invesco QQQ Trust 0.50%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Global X Funds 0.20%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 2.21%

The portfolio's dividend yield stands at 2.21%, driven by holdings in dividend-focused ETFs and individual stocks with higher yields, such as Realty Income Corporation and JPMorgan Equity Premium Income ETF. While dividends contribute to the portfolio's total return, the varying yields across holdings highlight the balance between growth and income generation. Evaluating the role of dividends in achieving the portfolio's long-term objectives could inform adjustments to holdings.

Ongoing product costs Info

  • JPMorgan Equity Premium Income ETF 0.35%
  • Invesco QQQ Trust 0.20%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Global X Funds 0.50%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.16%

The portfolio's total expense ratio (TER) of 0.16% is relatively low, which is advantageous for long-term growth as it minimizes the drag on returns. The range of expense ratios among the ETFs suggests a thoughtful selection process aimed at cost efficiency. Continuously monitoring and controlling costs remains crucial for enhancing net returns.

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