This portfolio has only about 1.2 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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Balanced portfolio with strong U.S. focus and high dividend yield potential

Report created on Apr 11, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

The portfolio is moderately diversified, with a strong emphasis on U.S. equities, particularly through ETFs. The Vanguard S&P 500 ETF holds the largest share at 25.85%, followed by a government money market fund at 22.15%. This composition aligns closely with a balanced investment approach, mixing growth and income-generating assets. The presence of both individual stocks and ETFs provides a blend of stability and potential growth. However, the lack of exposure to non-U.S. markets could limit diversification. To optimize, consider including a broader range of international assets to mitigate regional risks and enhance growth opportunities.

Growth Info

Historically, the portfolio has delivered a robust compound annual growth rate (CAGR) of 16.00%, indicating strong past performance. This is accompanied by a maximum drawdown of -18.16%, reflecting moderate risk. The portfolio's performance surpasses typical market benchmarks, suggesting effective asset selection. However, it's crucial to remember that past performance doesn't guarantee future results. To maintain this growth trajectory, regularly reviewing and adjusting asset allocations in response to market changes is advisable. This proactive approach can help sustain positive returns and manage potential downturns.

Projection Info

Using Monte Carlo simulations, which analyze potential outcomes based on historical data, the portfolio shows a median projected return of 714.7%. This suggests substantial growth potential, although the 5th percentile indicates a possible decline of -20.4%. With 937 out of 1,000 simulations yielding positive returns, the outlook is optimistic. However, simulations rely on historical data and assumptions, which may not fully capture future uncertainties. To enhance accuracy, consider incorporating recent market trends and economic forecasts. This can provide a more comprehensive view of potential risks and returns.

Asset classes Info

  • Stocks
    78%
  • No data
    22%

The portfolio is heavily weighted towards stocks, comprising 78% of the allocation, with the remainder in unknown categories. This stock-heavy approach aligns with a growth-oriented strategy but may expose the portfolio to higher volatility. Balancing this with other asset classes like bonds, real estate, or commodities could enhance diversification and reduce risk. By incorporating a mix of asset classes, the portfolio can better withstand market fluctuations and provide a more stable return profile over time, aligning with long-term financial goals.

Sectors Info

  • Technology
    30%
  • No data
    22%
  • Health Care
    18%
  • Consumer Discretionary
    6%
  • Financials
    6%
  • Telecommunications
    6%
  • Consumer Staples
    4%
  • Industrials
    4%
  • Energy
    2%
  • Basic Materials
    1%
  • Utilities
    1%
  • Real Estate
    1%

The portfolio's sector allocation is notable, with a 30% concentration in technology, followed by healthcare at 18%. Such a tech-heavy focus can lead to increased volatility, especially during market corrections or interest rate hikes. While the technology sector has driven significant growth, diversifying into less volatile sectors like consumer staples or utilities could stabilize returns. This balanced approach can mitigate sector-specific risks and align with a consistent growth strategy. Regularly reviewing sector performance and adjusting allocations as needed can further enhance portfolio resilience.

Regions Info

  • North America
    77%
  • No data
    22%

With 77% of the portfolio allocated to North American assets, there's a significant regional concentration that may limit global diversification. This U.S.-centric focus has been beneficial historically but could expose the portfolio to regional economic downturns. Expanding into developed and emerging markets in Europe and Asia could provide diversification benefits and capture growth opportunities in other economies. By broadening geographic exposure, the portfolio can reduce reliance on the U.S. market and potentially enhance long-term returns through global growth prospects.

Market capitalization Info

  • Mega-cap
    42%
  • No data
    22%
  • Large-cap
    22%
  • Mid-cap
    10%
  • Small-cap
    4%

The portfolio's market capitalization is predominantly in mega-cap stocks at 42%, followed by big-cap at 22%. This focus on larger companies generally offers stability and lower volatility. However, smaller-cap stocks can provide significant growth potential and diversification benefits. Incorporating a mix of small and mid-cap stocks could enhance the portfolio's growth prospects and balance risk. By diversifying market capitalization, the portfolio can capture opportunities across different company sizes, aligning with a comprehensive growth strategy.

Redundant positions Info

  • NEOS Nasdaq 100 High Income ETF
    Schwab U.S. Large-Cap Growth ETF
    Vanguard S&P 500 ETF
    High correlation

The portfolio includes highly correlated assets, particularly among the NEOS Nasdaq 100 High Income ETF, Schwab U.S. Large-Cap Growth ETF, and Vanguard S&P 500 ETF. High correlation can limit diversification benefits, especially during market downturns. While these assets provide exposure to large-cap growth, reducing overlap could enhance diversification. Consider replacing some highly correlated assets with those that have lower correlation to the existing portfolio. This adjustment can optimize risk management and improve the portfolio's resilience against market volatility.

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.

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The portfolio can be optimized for a better risk-return ratio using the Efficient Frontier, which identifies the best possible allocation of the current assets. This optimization suggests a potential return of 5.57% with a lower risk level of 1.57%. However, optimization is based on current asset choices and doesn't guarantee broader diversification or other goals. Consider adjusting asset weights to align with the efficient portfolio model, enhancing the risk-return profile. Regularly revisiting this optimization can help maintain an effective balance between risk and returns.

Dividends Info

  • Eli Lilly and Company 0.70%
  • NEOS Nasdaq 100 High Income ETF 16.20%
  • Schwab U.S. Dividend Equity ETF 4.20%
  • Schwab U.S. Large-Cap Growth ETF 0.50%
  • Fidelity® Government Money Market Fund 4.20%
  • Vanguard S&P 500 ETF 1.40%
  • Weighted yield (per year) 3.50%

With a total dividend yield of 3.50%, the portfolio provides a solid income stream, appealing to income-focused investors. The NEOS Nasdaq 100 High Income ETF stands out with a high yield of 16.20%, significantly boosting overall income. Dividends can offer a buffer against market volatility and contribute to total returns. To maintain a balanced income approach, consider diversifying dividend sources across sectors and geographies. This strategy can enhance income stability and align with long-term growth and income objectives.

Ongoing product costs Info

  • NEOS Nasdaq 100 High Income ETF 0.68%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.08%

The portfolio's total expense ratio (TER) is impressively low at 0.08%, supporting better long-term performance by minimizing costs. The Vanguard S&P 500 ETF and Schwab ETFs contribute to this efficiency with minimal fees. Keeping costs low is crucial for maximizing net returns over time. Regularly reviewing and optimizing the expense structure can ensure cost-effectiveness. Consider exploring other low-cost investment options that align with the portfolio's strategy, further enhancing cost efficiency and supporting sustainable growth.

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