This portfolio has only about 1.5 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.

Diversified global mix with value tilt and balanced stock and bond exposure over a short track record

Report created on May 11, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio is a fully ETF-based mix with roughly two-thirds in stocks, about one-third in bonds, and a small slice in real estate. No single ETF dominates: the largest position is under 13%, and risk is spread across many funds covering different regions, sizes, and styles. That broad structure is what supports the “highly diversified” score. Because everything is held via funds and assumed buy‑and‑hold, changes in market prices rather than trading drive the behaviour. With only about 1.5 years of data, the structure looks carefully spread out, but any conclusions about how this mix behaves across full market cycles should be held lightly.

Growth Info

Over the 1.5‑year window, $1,000 grew to about $1,278, implying a Compound Annual Growth Rate (CAGR) of 18.51%. CAGR is like average speed on a road trip: it smooths out bumps to show the overall pace. The portfolio’s max drawdown — its biggest peak‑to‑trough drop — was about ‑9.5%, which is relatively mild compared with the US and global benchmarks shown. It slightly outpaced the US market but lagged the global market over this short span. Because this period is brief and specific to one market environment, it doesn’t yet say much about long‑term behaviour or how it might hold up in very different conditions.

Projection Info

The Monte Carlo projection uses the short performance history to simulate many possible 15‑year futures, like running thousands of “what if” market paths. The median outcome turns $1,000 into about $2,470, with a wide possible range from roughly $1,255 to $5,068. The average simulated annual return is 6.7%, and around three‑quarters of paths end positive. These numbers help frame expectations, but they lean heavily on limited data. With only 1.5 years of history, the model may over‑ or under‑estimate both upside and downside. It’s best viewed as a rough map of possibilities, not a forecast of what will actually happen.

Asset classes Info

  • Stocks
    64%
  • Bonds
    32%
  • Real Estate
    3%

Asset‑class-wise, around 64% is in stocks, 32% in bonds, and 3% in real estate. This is a classic “balanced” profile: stocks usually drive growth over time, while bonds and real estate can help smooth the ride by reacting differently to economic news. Compared with a pure equity benchmark, this mix naturally tends to have lower swings but may lag in very strong stock markets. The bond side spans Treasuries, corporates, TIPS, mortgage‑backed, and emerging‑markets debt, which adds internal diversification. Still, because the analysis period is short, the actual cushioning effect of these bonds in various stress events hasn’t been fully tested in the available data.

Sectors Info

  • Technology
    13%
  • Financials
    10%
  • Industrials
    9%
  • Real Estate
    9%
  • Consumer Discretionary
    6%
  • Basic Materials
    5%
  • Energy
    4%
  • Telecommunications
    4%
  • Health Care
    4%
  • Consumer Staples
    3%
  • Utilities
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is spread across many areas: technology leads at 13%, followed by financials, industrials, and real estate, with no single sector overwhelming the portfolio. This broad spread is similar in spirit to diversified global equity benchmarks, which is a strong indicator of sector diversification. Different sectors tend to shine at different points in the economic cycle, so this kind of balance helps avoid depending on one theme. The dedicated real estate exposure in both equities and REITs adds a distinct sensitivity to interest rates and property markets. Over just 1.5 years, though, sector behaviour can be dominated by short‑term narratives rather than long‑term patterns.

Regions Info

  • North America
    27%
  • Europe Developed
    11%
  • Asia Emerging
    9%
  • Asia Developed
    8%
  • Japan
    6%
  • Africa/Middle East
    2%
  • Latin America
    2%
  • Australasia
    2%
  • Europe Emerging
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 27% is in North America, with meaningful allocations across developed Europe, Japan, developed Asia, and several emerging regions including Asia, Latin America, and Africa/Middle East. This is much more globally spread than a typical US‑heavy portfolio and aligns well with the idea of global diversification. Having multiple regions can soften the impact if one economy struggles, though global markets often move together during big shocks. Compared with a world index that’s usually dominated by the US, this portfolio appears more balanced. That said, the 1.5‑year window might not capture full cycles where regional leadership rotates more dramatically.

Market capitalization Info

  • Mega-cap
    20%
  • Mid-cap
    17%
  • Large-cap
    15%
  • Small-cap
    11%
  • Micro-cap
    4%

This breakdown covers the equity portion of your portfolio only.

By market cap, the portfolio holds a mix of mega‑caps through micro‑caps, with notable exposure to mid‑ and small‑caps. Market capitalization refers to company size; larger companies often move more slowly, while smaller ones can be more volatile and more sensitive to local conditions. This spread helps diversify across business models and growth stages. It also explains part of the portfolio’s risk profile: smaller companies can add return potential but may swing more in tough markets. In the short data window, these size effects may not show clearly, because performance over 1.5 years can be driven by a few macro events rather than persistent size patterns.

True holdings Info

  • Taiwan Semiconductor Manufacturing Co. Ltd.
    2.03%
    Part of fund(s):
    • SPDR® Portfolio Emerging Markets ETF
    • Schwab Emerging Markets Equity ETF
    • Schwab Fundamental Emerging Markets Large Company Index ETF
  • BlackRock Cash Funds Instl SL Agency
    0.82%
    Part of fund(s):
    • iShares MBS ETF
  • Apple Inc
    0.82%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
    • Schwab U.S. Large-Cap Growth ETF
  • NVIDIA Corporation
    0.79%
    Part of fund(s):
    • Schwab U.S. Large-Cap ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Microsoft Corporation
    0.57%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Amazon.com Inc
    0.48%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Alibaba Group Holding Ltd
    0.48%
    Part of fund(s):
    • SPDR® Portfolio Emerging Markets ETF
    • Schwab Emerging Markets Equity ETF
    • Schwab Fundamental Emerging Markets Large Company Index ETF
  • Tencent Holdings Ltd
    0.47%
    Part of fund(s):
    • SPDR® Portfolio Emerging Markets ETF
    • Schwab Emerging Markets Equity ETF
    • Schwab Fundamental Emerging Markets Large Company Index ETF
  • Alphabet Inc Class A
    0.46%
    Part of fund(s):
    • Schwab Fundamental U.S. Large Company Index ETF
    • Schwab U.S. Large-Cap ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Samsung Electronics Co Ltd
    0.39%
    Part of fund(s):
    • Schwab Fundamental International Large Company Index ETF
    • Schwab International Equity ETF
  • Top 10 total 7.32%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs’ top holdings, coverage is only about 15% of the portfolio, so overlap is likely understated. Within that visible slice, Taiwan Semiconductor, Apple, NVIDIA, Microsoft, Amazon, Alibaba, Tencent, Alphabet, and Samsung appear across multiple funds, creating some hidden concentration in large global leaders. Overlap means that even if each ETF looks modest on its own, the same companies can end up having a bigger combined impact. Still, given how diversified these firms are across industries and geographies, this is broadly aligned with common global equity exposures. With only top‑10 data and a short history, it’s hard to fully gauge long‑term concentration risks.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 31%
Size
Exposure to smaller companies
Low
Data availability: 68%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 4%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
High
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 97%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor exposure shows strong tilts toward value, momentum, and yield, with a mild tilt away from smaller size and neutral low‑volatility. Factors are like underlying “traits” — such as cheapness (value) or recent winners (momentum) — that help explain why investments move the way they do. A high value tilt means the portfolio leans more into companies priced relatively cheaply versus fundamentals. High momentum suggests exposure to stocks that have been doing well recently, while high yield points to above‑average income. Together, these tilts can behave differently across market regimes, but over just 1.5 years, it’s too early to say how consistently these factor exposures will show up in returns.

Risk contribution Info

  • SPDR® Portfolio Emerging Markets ETF
    Weight: 6.91%
    9.6%
  • Schwab Fundamental International Large Company Index ETF
    Weight: 6.87%
    9.5%
  • Schwab International Small-Cap Equity ETF
    Weight: 6.66%
    9.4%
  • Schwab Fundamental International Small Company Index ETF
    Weight: 6.23%
    8.0%
  • Schwab Fundamental U.S. Small Company Index ETF
    Weight: 4.73%
    7.4%
  • Top 5 risk contribution 43.9%

Risk contribution measures how much each holding adds to the portfolio’s overall ups and downs, which can differ from its weight. Here, the three largest risk contributors — emerging‑markets equities and international small‑caps — together account for about 28% of total risk, despite each being under 7% in weight. Their risk/weight ratios above 1 show they punch above their size in driving volatility. This is typical: emerging markets and small‑caps often move more sharply than broad developed markets. The pattern suggests that while weightings look nicely spread out, a meaningful slice of the portfolio’s day‑to‑day movement is tied to these higher‑volatility international and small‑company segments, at least in this short period.

Redundant positions Info

  • VanEck J.P. Morgan EM Local Currency Bond ETF
    SPDR® Bloomberg Emerging Markets Local Bond ETF
    High correlation
  • Schwab U.S. Small-Cap ETF
    Schwab Fundamental U.S. Small Company Index ETF
    High correlation
  • Schwab Fundamental International Small Company Index ETF
    Schwab International Equity ETF
    Schwab Fundamental International Large Company Index ETF
    Schwab International Small-Cap Equity ETF
    High correlation
  • Schwab Fundamental Emerging Markets Large Company Index ETF
    SPDR® Portfolio Emerging Markets ETF
    Schwab Emerging Markets Equity ETF
    High correlation
  • Schwab U.S. Large-Cap Growth ETF
    Schwab U.S. Large-Cap ETF
    High correlation

Correlation looks at how holdings move together. Highly correlated assets tend to rise and fall in sync, reducing the diversification benefit. Several pairs here — such as the two emerging‑markets bond ETFs, or the fundamental versus standard small‑cap and emerging‑markets equity funds — move almost identically. In practice, that means those pairs behave more like a single exposure than two independent ones during market swings. This doesn’t make them “bad,” but it does mean the number of line items overstates true diversification. Since correlation can shift over longer cycles, the high similarity observed over just 1.5 years might ease or intensify as different macro environments come and go.

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 efficient frontier analysis compares the current mix with other weightings of the same holdings. The current portfolio’s Sharpe ratio — a measure of return per unit of risk — is 1.21, while the max‑Sharpe version reaches 1.97 and the minimum‑variance version 1.27. Being about 6.3 percentage points below the frontier at its risk level indicates that, historically, a different weighting of these same ETFs could have delivered better risk‑adjusted results. However, this is based on a short 1.5‑year window, where a handful of market events can distort the math. Over a longer period, the “optimal” mix could look quite different, so this is more of a learning tool than a firm guide.

Dividends Info

  • SPDR® Bloomberg Emerging Markets Local Bond ETF 5.70%
  • VanEck J.P. Morgan EM Local Currency Bond ETF 6.10%
  • Schwab Fundamental U.S. Small Company Index ETF 1.10%
  • Schwab Fundamental International Small Company Index ETF 3.40%
  • Schwab Fundamental Emerging Markets Large Company Index ETF 3.60%
  • Schwab Fundamental International Large Company Index ETF 2.90%
  • Schwab Fundamental U.S. Large Company Index ETF 1.50%
  • Xtrackers International Real Estate ETF 4.30%
  • iShares MBS ETF 4.20%
  • Schwab U.S. Small-Cap ETF 1.00%
  • Schwab International Small-Cap Equity ETF 3.20%
  • Schwab Emerging Markets Equity ETF 2.60%
  • Schwab International Equity ETF 3.00%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab U.S. REIT ETF 2.80%
  • Schwab 5-10 Year Corporate Bond ETF 5.00%
  • Schwab U.S. TIPS ETF 3.60%
  • Schwab Intermediate-Term U.S. Treasury ETF 3.90%
  • Schwab U.S. Large-Cap ETF 1.00%
  • SPDR® Portfolio Emerging Markets ETF 2.50%
  • Schwab Mortgage-Backed Securities ETF 0.40%
  • Weighted yield (per year) 2.98%

The portfolio’s overall dividend yield is about 2.98%, combining income from bonds, REITs, and equities. Several bond and real‑estate funds show relatively high yields, while growth‑focused equity ETFs yield less. Yield is the income paid out as a percentage of the investment; it can be an important component of total return, especially when price gains are modest. Here, income appears to be a meaningful but not dominant part of expected returns. Because payouts can change with interest rates, company profits, and policy decisions, the current yield level shouldn’t be assumed to stay constant over the long term, particularly given only 1.5 years of observation.

Ongoing product costs Info

  • SPDR® Bloomberg Emerging Markets Local Bond ETF 0.30%
  • VanEck J.P. Morgan EM Local Currency Bond ETF 0.30%
  • Schwab Fundamental U.S. Small Company Index ETF 0.25%
  • Schwab Fundamental International Small Company Index ETF 0.39%
  • Schwab Fundamental Emerging Markets Large Company Index ETF 0.39%
  • Schwab Fundamental International Large Company Index ETF 0.25%
  • Schwab Fundamental U.S. Large Company Index ETF 0.25%
  • Xtrackers International Real Estate ETF 0.10%
  • iShares MBS ETF 0.04%
  • Schwab U.S. Small-Cap ETF 0.04%
  • Schwab International Small-Cap Equity ETF 0.11%
  • Schwab Emerging Markets Equity ETF 0.11%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab U.S. REIT ETF 0.07%
  • Schwab 5-10 Year Corporate Bond ETF 0.03%
  • Schwab U.S. TIPS ETF 0.03%
  • Schwab Intermediate-Term U.S. Treasury ETF 0.03%
  • Schwab U.S. Large-Cap ETF 0.03%
  • SPDR® Portfolio Emerging Markets ETF 0.07%
  • Weighted costs total (per year) 0.14%

Costs are impressively low: the total ongoing fee (Total TER) is about 0.14% per year. TER, or Total Expense Ratio, is like a service charge baked into each fund’s price — lower costs leave more of any returns in the investor’s pocket. Most holdings here use low‑cost index or rules‑based strategies, with only a few edging above 0.30%. This aligns well with best practices for cost control in diversified portfolios. Over long horizons, even small fee differences can compound into large dollar amounts, so starting from such a low average TER is a meaningful structural strength, even though the available performance history is still short.

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