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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A balanced and highly diversified portfolio with a strong emphasis on international stocks

Report created on Jun 7, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification
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Positions

The portfolio is predominantly invested in ETFs, with a significant 70% allocation to the Vanguard Total International Stock Index Fund ETF Shares. This suggests a strategic emphasis on global diversification, which is complemented by a 15% allocation to the Invesco NASDAQ 100 ETF and a 10% stake in the Vanguard Total Stock Market Index Fund ETF Shares. Direct investments in Apple Inc and NVIDIA Corporation, each constituting 2% of the portfolio, alongside a minor 1% allocation to the iShares Bitcoin Trust, introduce a blend of technology and innovation into the mix. This composition highlights a balanced approach, aiming to capture growth across a broad spectrum of geographies and sectors.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 19.11% and a maximum drawdown of -15.74%, the portfolio has demonstrated robust growth with a manageable level of risk. Notably, a small number of days contributed significantly to the overall returns, indicating that timing in the market can be less important than time in the market. This historical performance, while impressive, should be viewed with the understanding that past results do not guarantee future outcomes.

Projection Info

Utilizing a Monte Carlo simulation, which projects future outcomes based on historical data, the portfolio shows a wide range of potential growth trajectories. Key percentiles indicate significant upside potential, but it's crucial to understand the limitations of these simulations. They rely heavily on past performance and cannot account for unforeseen market changes or black swan events. Thus, while encouraging, these projections should not be the sole basis for investment decisions.

Asset classes Info

  • Stocks
    97%
  • Cash
    2%
  • Other
    1%

The portfolio's 97% allocation to stocks, with the remainder in cash and a negligible portion in other assets, positions it for growth but also exposes it to market volatility. This asset class distribution is typical for a balanced portfolio seeking to outperform inflation over the long term while accepting moderate levels of risk. Diversifying further into bonds or alternative assets could provide additional stability during market downturns.

Sectors Info

  • Technology
    24%
  • Financials
    17%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Health Care
    8%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Basic Materials
    5%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    2%

The sectoral allocation reveals a heavy emphasis on technology, financial services, and industrials, which are sectors known for their growth potential but also for their volatility. The presence of consumer cyclicals, healthcare, and communication services adds a layer of cyclical balance, potentially smoothing out returns over time. However, the concentration in technology, primarily through ETFs and direct stock holdings, suggests a risk of sector-specific downturns impacting the portfolio disproportionately.

Regions Info

  • North America
    34%
  • Europe Developed
    28%
  • Asia Emerging
    12%
  • Japan
    11%
  • Asia Developed
    7%
  • Australasia
    3%
  • Africa/Middle East
    3%
  • Latin America
    2%
  • Europe Emerging
    1%

The geographic distribution is commendably diversified, with significant exposure to developed markets in North America and Europe, as well as emerging markets in Asia. This global footprint is well-suited to capturing growth across different economic cycles and mitigating region-specific risks. However, the portfolio may benefit from increased exposure to underrepresented regions like Latin America and Africa/Middle East to further enhance its diversification.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    29%
  • Mid-cap
    15%
  • Small-cap
    3%

The focus on mega and big-cap stocks, which make up 76% of the portfolio, aligns with the portfolio's balanced risk profile, as these companies typically offer stability and consistent returns. However, the relatively smaller allocation to medium, small, and micro-cap stocks limits the portfolio's potential to benefit from the higher growth rates often seen in smaller companies. Considering a slight increase in exposure to these market caps could introduce more growth opportunities.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    High correlation

The noted high correlation between the Vanguard Total Stock Market Index Fund ETF Shares and the Invesco NASDAQ 100 ETF indicates an area for optimization. While both ETFs offer broad market exposure, their overlap, particularly in the technology sector, may limit the portfolio's diversification benefits. Exploring ETFs or assets with lower correlations could enhance the portfolio's risk-adjusted 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.

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The Efficient Frontier analysis suggests the portfolio could benefit from reallocating assets to reduce overlap and enhance diversification without necessarily increasing risk. This optimization would involve reviewing the correlation between assets and possibly reducing exposure to highly correlated investments. Achieving a more efficient risk-return ratio could further align the portfolio with the investor's balanced risk profile.

Dividends Info

  • Apple Inc 0.50%
  • Invesco NASDAQ 100 ETF 0.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.30%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 2.26%

The dividend yield across the portfolio averages to 2.26%, contributing a stable income stream in addition to potential capital gains. This yield is particularly bolstered by the Vanguard Total International Stock Index Fund ETF Shares, which also diversifies income sources geographically. For investors seeking both growth and income, maintaining or slightly increasing exposure to high-dividend-yielding assets could be beneficial.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • Invesco NASDAQ 100 ETF 0.15%
  • 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) 0.06%

With a total Expense Ratio (TER) of 0.06%, the portfolio is efficiently managed in terms of costs, which is crucial for maximizing long-term returns. The low-cost structure is especially advantageous given the portfolio's ETF-heavy composition, as it ensures more of the investment's return is retained by the investor rather than being eroded by fees.

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