A broadly diversified low cost equity heavy portfolio with some overlap and scope for simplification

Report created on Dec 13, 2025

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This portfolio is strongly tilted toward equities at about 90 percent with roughly 10 percent in bonds and a tiny cash slice. It blends several broad stock market funds plus a core investment grade bond ETF and a couple of inflation protected bond funds. Compared to a typical “balanced” benchmark that often sits near a 60/40 mix this setup is clearly more growth oriented. That matters because higher equity weight usually means higher long term returns but also sharper swings. Investors like you might benefit from deciding whether the current equity share still matches your comfort level and potentially trimming or adding to bonds rather than adding more similar stock funds.

Growth Info

Using the reported compound annual growth rate or CAGR of about 11.7 percent a hypothetical 10,000 dollars invested over ten years would have grown to roughly 30,200 dollars before taxes and fees. CAGR is like the average speed of a car over a long trip smoothing out bumps along the road. The maximum drawdown near minus 32 percent shows the worst peak to trough fall which is in line with equity heavy portfolios and typical global benchmarks. This alignment suggests risk and reward have been reasonable. Investors like you might benefit from checking whether you stayed invested through those drops since behavior often matters more than precise numbers.

Projection Info

The Monte Carlo analysis uses 1,000 simulated paths based on historical returns and volatility to estimate future ranges. Think of it as replaying market history with the order of good and bad years shuffled. The median outcome of about 211 percent suggests a bit more than tripling over a long horizon while the 5th percentile around 18 percent shows a tough but still mostly positive scenario. The average simulated annual return of 9.5 percent is slightly below historic CAGR which is a sensible conservative tilt. Investors like you might benefit from remembering that simulations cannot predict crises and only show possibilities not guarantees so plans should stay flexible.

Asset classes Info

  • Stocks
    90%
  • Bonds
    10%
  • Cash
    1%

The asset class mix of about 90 percent stocks and 10 percent bonds with a small cash buffer is clearly growth driven but not extreme. Many global balanced benchmarks hold more bonds so this portfolio stands closer to an “aggressive balanced” stance. This structure is well suited to long horizons where short term swings matter less. The inclusion of high quality corporate bonds and inflation protected bonds adds useful ballast especially in downturns or inflation surprises. Investors like you might benefit from defining a target range for bonds for example 10 to 25 percent and rebalancing back into that band rather than reacting emotionally to market moves.

Sectors Info

  • Technology
    24%
  • Financials
    16%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is nicely spread with technology leading around 24 percent followed by financials industrials and consumer areas. This is broadly aligned with global equity benchmarks where tech often has a large share so you are not making an extreme sector bet. Tech heavy allocations can do very well during innovation booms but may be hit harder when interest rates rise or growth expectations cool. Healthcare consumer staples and utilities together add stability as they tend to hold up better in recessions. This portfolio’s sector mix is well balanced and aligns closely with global standards. Investors like you might benefit from just monitoring whether any single theme starts drifting far above a third of total equity exposure.

Regions Info

  • North America
    55%
  • Europe Developed
    11%
  • Asia Emerging
    9%
  • Asia Developed
    7%
  • Japan
    4%
  • Africa/Middle East
    2%
  • Latin America
    1%
  • Australasia
    1%

Geographic allocation shows a clear home bias with roughly 55 percent in North America supported by developed and emerging exposure across Europe and Asia plus small stakes in other regions. This pattern broadly mirrors many global benchmarks where the U.S. is dominant but your emerging markets slice appears meaningfully sized which is good for diversification. Different regions respond differently to currency shifts politics and local growth cycles. This allocation is well balanced and aligns closely with global standards while still offering global reach. Investors like you might benefit from deciding whether the current non domestic share feels sufficient and then rebalancing gradually instead of trying to time regional performance.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    29%
  • Mid-cap
    15%
  • Small-cap
    4%
  • Micro-cap
    1%

Market capitalization exposure is tilted toward mega and large companies with almost 70 percent there plus healthy mid cap exposure and modest small and micro caps. Large firms tend to be more stable and easier to research which usually reduces company specific risk while smaller firms can boost long term growth but add volatility. This blend again matches common global benchmarks where big companies dominate index weight. The modest small cap exposure still provides some extra growth potential without making the ride too bumpy. Investors like you might benefit from keeping this structure simple by avoiding additional narrow small cap products unless there is a deliberate wish for a stronger tilt toward that segment.

Redundant positions Info

  • Vanguard FTSE Emerging Markets Index Fund ETF Shares
    iShares Core MSCI Emerging Markets ETF
    High correlation
  • Vanguard Dividend Appreciation Index Fund ETF Shares
    iShares Core S&P Total U.S. Stock Market ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    Schwab International Equity ETF
    High correlation

Several funds here are highly correlated meaning they move almost in lockstep because they track similar universes. For example the two broad U.S. stock ETFs the two emerging markets ETFs and the two developed international ETFs each form overlapping groups. High correlation reduces the diversification benefit you get from holding multiple positions and mainly adds complexity. Your portfolio’s sector and regional mix already look strong so simplifying does not mean reducing diversification. Investors like you might benefit from consolidating overlapping positions into single core holdings within each group which can make rebalancing easier tax management clearer and behavior more disciplined without changing overall risk meaningfully.

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.

On a risk versus return basis this portfolio could likely sit close to the Efficient Frontier once overlapping funds are simplified. The Efficient Frontier is a curve showing the best possible risk return mix you can get using a given set of assets by just changing their weights. Efficiency here only means getting the most expected return for a chosen level of volatility not targeting income values or other personal goals. Because many holdings track similar markets optimization would mostly adjust shares between stocks and bonds rather than picking new products. Investors like you might benefit from running allocations through a basic optimizer then rounding the result into simple easy to maintain target percentages.

Dividends Info

  • iShares Core MSCI Emerging Markets ETF 2.80%
  • iShares Core S&P Total U.S. Stock Market ETF 1.10%
  • iShares iBoxx $ Investment Grade Corporate Bond ETF 4.40%
  • Schwab International Equity ETF 2.40%
  • Schwab U.S. TIPS ETF 3.80%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 1.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares 3.40%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 2.02%

The total yield around 2 percent blends modest stock dividends with higher bond income such as over 4 percent from the investment grade corporate bond ETF and solid yields from inflation protected bonds. Dividends are the cash payments companies or bond issuers make and they can smooth returns when prices move sideways or down. For growth focused investors payouts typically form a smaller share of total return compared to capital gains but still help with compounding if reinvested. Your income profile matches what is typical for a diversified equity heavy portfolio. Investors like you might benefit from reinvesting distributions automatically during the accumulation phase and later deciding whether to direct them to cash for spending needs.

Ongoing product costs Info

  • iShares Core MSCI Emerging Markets ETF 0.09%
  • iShares Core S&P Total U.S. Stock Market ETF 0.03%
  • iShares iBoxx $ Investment Grade Corporate Bond ETF 0.14%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. TIPS ETF 0.03%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares 0.04%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.06%

The blended total expense ratio or TER sits impressively low at about 0.06 percent which is far below the average for actively managed funds. TER is the yearly fee charged by funds expressed as a percentage of assets similar to a membership fee. Low costs matter because they come off returns every year and compound just like gains. Here the mix of iShares Vanguard and Schwab index funds is clearly cost efficient and aligned with best practices. The costs are impressively low supporting better long term performance. Investors like you might benefit from focusing more on allocation and behavior rather than hunting further fee reductions since most of the cost advantage is already captured.

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