A conservative portfolio with a strong bond focus and selective equity exposure

Report created on Sep 22, 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 heavily weighted towards bonds, with 70% allocated to the Vanguard Intermediate-Term Treasury Index Fund ETF Shares, emphasizing a conservative risk profile. The remaining 30% is split between two equity funds, the VANGUARD PRIMECAP FUND ADMIRAL SHARES and DODGE & COX STOCK FUND, which introduces a moderate level of diversification across several sectors. This composition suggests a strategy prioritizing stability and income, with a lower exposure to the volatility associated with equities.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 5.16%, with a maximum drawdown of -17.42%. These figures indicate a relatively stable performance, particularly given the conservative risk classification. The days contributing most significantly to returns highlight the portfolio's sensitivity to specific market movements, underscoring the importance of timing in withdrawals and additional investments.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with a median increase of 235.7% in portfolio value. This analysis, while based on historical data, underscores the potential for significant growth despite the conservative stance. However, it's important to remember that these projections are hypothetical and cannot guarantee future results, serving instead as a tool for understanding possible scenarios.

Asset classes Info

  • Bonds
    70%
  • Stocks
    29%
  • Cash
    1%

The portfolio's asset allocation leans heavily on bonds (70%) with a smaller but significant equity component (29%). This mix aligns with a conservative investment strategy, aiming to reduce volatility while still capturing some growth opportunities. The minor cash holding (1%) offers liquidity, which is crucial for meeting short-term needs or taking advantage of new investment opportunities.

Sectors Info

  • Health Care
    9%
  • Technology
    7%
  • Industrials
    4%
  • Financials
    3%
  • Consumer Discretionary
    2%
  • Telecommunications
    2%
  • Energy
    1%
  • Basic Materials
    1%

Sector allocation within the equity components is diversified across healthcare, technology, industrials, financial services, and consumer cyclical sectors, among others. This sectoral spread balances the portfolio, mitigating risks associated with overexposure to any single industry. However, the concentration in healthcare and technology suggests a tilt towards sectors that can offer growth and stability.

Regions Info

  • North America
    26%
  • Europe Developed
    3%
  • Asia Emerging
    1%

Geographically, the portfolio is heavily weighted towards North America (26%), with minimal exposure to developed Europe and emerging Asia. This concentration in the U.S. market aligns with the conservative profile but may limit global diversification benefits. Expanding into other developed or emerging markets could offer additional growth opportunities and risk mitigation.

Market capitalization Info

  • Large-cap
    11%
  • Mega-cap
    10%
  • Mid-cap
    8%
  • Small-cap
    1%

The portfolio's equity exposure includes a mix of big (11%), mega (10%), and medium (8%) market capitalization companies, with a small allocation to small caps (1%). This distribution suggests a preference for established, less volatile companies while maintaining some exposure to the growth potential of medium and small-cap stocks.

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.

Considering the Efficient Frontier, this portfolio appears well-optimized for its conservative risk profile, balancing the trade-off between risk and return effectively. While there's always room for fine-tuning, the current allocation seems to offer a good risk-return ratio. Investors might consider slight adjustments to enhance diversification or yield, but overall, the portfolio is on a solid footing.

Dividends Info

  • DODGE & COX STOCK FUND DODGE & COX STOCK FUND 6.40%
  • Vanguard Intermediate-Term Treasury Index Fund ETF Shares 3.70%
  • VANGUARD PRIMECAP FUND ADMIRAL SHARES 5.70%
  • Weighted yield (per year) 4.37%

The portfolio's dividend yield stands at an attractive 4.37%, contributing to its income-generating capabilities. This yield, combined with the conservative risk profile, makes the portfolio appealing for investors seeking steady income streams alongside capital preservation.

Ongoing product costs Info

  • DODGE & COX STOCK FUND DODGE & COX STOCK FUND 0.51%
  • Vanguard Intermediate-Term Treasury Index Fund ETF Shares 0.04%
  • VANGUARD PRIMECAP FUND ADMIRAL SHARES 0.29%
  • Weighted costs total (per year) 0.14%

With a total expense ratio (TER) of 0.14%, the portfolio is cost-efficient, which is crucial for maximizing long-term returns, especially in a conservative strategy where returns are generally lower. Keeping costs low ensures that a greater portion of investment returns is retained by the investor.

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