This portfolio has only about 1.3 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 secure and focused portfolio with high exposure to bonds and a notable gold position

Report created on May 8, 2025

Risk profile Info

1/7
Secure
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification
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Positions

This portfolio is heavily weighted towards bond ETFs, specifically the Janus Henderson AAA CLO ETF, making up nearly 86% of the total. The inclusion of the FT Cboe Vest Gold Target Income ETF and a minor allocation to the SPDR® DoubleLine Total Return Tactical ETF and Berkshire Hathaway Inc. diversifies the asset types slightly. However, the overwhelming focus on a single ETF indicates a very conservative approach, prioritizing income generation and capital preservation over growth. The portfolio's diversification is minimal, with a significant portion in bonds and a small exposure to stocks and gold.

Growth Info

Historically, the portfolio has shown a Compound Annual Growth Rate (CAGR) of 9.04%, with a maximum drawdown of -1.88%. These figures suggest a stable performance with minimal volatility, likely due to the high bond allocation. The days contributing to 90% of returns being concentrated in a short period indicate specific events or market conditions favorably impacting the portfolio. This performance, while solid, leans heavily on past bond market conditions, which may not predict future performance accurately.

Projection Info

Monte Carlo simulations project a wide range of potential outcomes, with the median scenario suggesting substantial growth. However, it's crucial to understand that these projections are based on historical data and assumptions that may not hold true, especially in changing economic environments. The high percentile outcomes indicate optimism but should be balanced with an understanding of the inherent uncertainties in such forecasts.

Asset classes Info

  • Bonds
    93%
  • Other
    2%
  • Cash
    2%
  • Stocks
    2%

The portfolio’s asset allocation is heavily skewed towards bonds, with a 93% weighting, providing a stable income stream and lower volatility. The minor allocations to stocks and gold offer a slight diversification benefit. However, the dominance of bonds, while reducing risk, also limits potential higher returns from other asset classes, particularly equities, which historically outperform bonds over the long term.

Sectors Info

  • Financials
    2%

With financial services representing a small 2% sector allocation, the portfolio's sector exposure is minimal. This narrow focus increases the risk of underperformance if the bond market faces headwinds. Diversifying across more sectors could provide additional stability and sources of return, mitigating sector-specific risks.

Regions Info

  • North America
    2%

The geographic allocation is narrowly concentrated in North America, with only a 2% exposure. This concentration heightens the portfolio's sensitivity to regional economic and market dynamics. Expanding geographic exposure could enhance returns and reduce risk by capturing global growth opportunities and mitigating region-specific downturns.

Market capitalization Info

  • Mega-cap
    2%

The portfolio’s exposure to mega-cap stocks, though minimal, suggests a preference for stability and established performance. However, this limited exposure to different market capitalizations restricts potential growth from mid and small-cap stocks, which can offer higher returns albeit with increased 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.

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Given the portfolio's current allocation, there's limited room for risk-return optimization without fundamentally changing its conservative nature. The Efficient Frontier suggests the portfolio is positioned towards the lower end of risk, which matches the investor's profile. However, exploring slight adjustments in asset allocation could potentially offer a better risk-return trade-off, even within a conservative framework.

Dividends Info

  • FT Cboe Vest Gold Target Income ETF 17.50%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 6.10%
  • SPDR® DoubleLine Total Return Tactical ETF 5.30%
  • Weighted yield (per year) 6.93%

The dividend yields from the ETFs contribute significantly to the portfolio's total return, especially notable in the FT Cboe Vest Gold Target Income ETF. These yields enhance the portfolio's income stream, an attractive feature for conservative investors. However, relying heavily on dividends from specific assets can expose the portfolio to sector or asset-specific risks.

Ongoing product costs Info

  • FT Cboe Vest Gold Target Income ETF 0.85%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 0.21%
  • SPDR® DoubleLine Total Return Tactical ETF 0.55%
  • Weighted costs total (per year) 0.27%

The Total Expense Ratio (TER) of the portfolio is relatively low, which is beneficial for long-term returns. The costs associated with the bond ETFs are particularly modest, enhancing net performance. Keeping costs low is a critical component of investment success, especially in a conservative portfolio where returns are generally lower.

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