This portfolio has only about 1.1 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 cautiously diversified portfolio with a mix of growth and income-focused assets

Report created on Aug 19, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is broadly diversified across various asset classes and sectors, with a significant allocation towards funds designed for retirement planning and a mix of ETFs covering equities, bonds, and alternative investments. The presence of both growth-oriented and income-generating assets, alongside a small exposure to cryptocurrencies, suggests a strategy that balances potential returns with risk management. This blend aligns with a cautious yet growth-minded investment approach, aiming to capitalize on market opportunities while mitigating downside risks.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 14.84% and a maximum drawdown of -10.98%, the portfolio demonstrates a robust performance history. The days contributing most significantly to returns highlight the impact of short-term market movements on overall performance. This historical resilience, especially during volatile periods, underscores the portfolio's effective risk management. Comparing these metrics with relevant benchmarks could offer further insights into relative performance.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with a median increase of 1,579.6%. This method, which uses historical data to simulate future scenarios, suggests a high probability of positive returns, with 997 out of 1,000 simulations ending up in the green. However, it's crucial to remember that these projections cannot guarantee future results, as they cannot account for unforeseen market changes or black swan events.

Asset classes Info

  • Stocks
    50%
  • Bonds
    20%
  • Cash
    8%
  • Other
    3%
  • No data
    2%

The portfolio's asset allocation—50% stocks, 20% bonds, 8% cash, and a mixture of other investments—demonstrates a balanced approach to risk and return. This diversification helps in smoothing out volatility, as different asset classes often react differently to market conditions. The allocation towards bonds and cash is particularly noteworthy for a cautious investor, providing a buffer against market downturns.

Sectors Info

  • Technology
    14%
  • Financials
    9%
  • Industrials
    7%
  • Consumer Discretionary
    6%
  • Telecommunications
    5%
  • Health Care
    3%
  • Consumer Staples
    3%
  • Basic Materials
    2%
  • Energy
    2%
  • Utilities
    1%
  • Real Estate
    1%

Sector allocation shows a strategic emphasis on technology, financial services, and industrials, with a moderate spread across consumer cyclicals, communication services, and healthcare. This sectoral distribution reflects a focus on growth through tech and industrial investments, balanced by the stability of financial services and diversification into defensive sectors like healthcare and consumer goods.

Regions Info

  • North America
    25%
  • Europe Developed
    6%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Japan
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographic diversification is centered on North America with meaningful allocations to developed European and Asian markets, and minimal exposure to emerging markets and other regions. This geographic spread suggests a conservative approach to international investing, prioritizing established markets over the potentially higher returns and risks associated with emerging economies.

Market capitalization Info

  • Mega-cap
    22%
  • Large-cap
    15%
  • Mid-cap
    8%
  • Small-cap
    3%

The portfolio's market capitalization exposure—22% mega-cap, 15% large-cap, 8% mid-cap, and 3% small-cap—indicates a preference for the stability and lower volatility of larger companies, with a smaller portion allocated to mid and small-caps for growth potential. This mix supports a cautious investment strategy, leveraging the reliability of large-caps while seeking growth through selective smaller-cap investments.

Redundant positions Info

  • American Century ETF Trust
    Dimensional International Value ETF
    High correlation
  • JPMorgan Nasdaq Equity Premium Income ETF
    Schwab U.S. Large-Cap Growth ETF
    Invesco S&P 500® Momentum ETF
    High correlation
  • Vanguard Total World Stock Index Fund ETF Shares
    T. ROWE PRICE RETIREMENT 2035 FUND T. ROWE PRICE RETIREMENT 2035 FUND
    High correlation

The analysis identifies highly correlated asset groups, suggesting some redundancy in the portfolio's construction. While diversification aims to spread risk, overlapping investments in similar assets can dilute this benefit. Streamlining these holdings could enhance the portfolio's efficiency by eliminating redundancies, thereby potentially improving the risk-return profile.

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 portfolio's current setup suggests room for optimization, particularly by addressing asset overlap to enhance diversification benefits. Achieving an optimal risk-return balance, as indicated by the Efficient Frontier analysis, could potentially raise expected returns to 4.70% at a comparable risk level. This optimization process involves refining the asset allocation to improve the portfolio's overall efficiency.

Dividends Info

  • American Century ETF Trust 2.90%
  • Dimensional ETF Trust - Dimensional Emerging Markets Value ETF 3.00%
  • Dimensional International Value ETF 3.20%
  • Invesco S&P International Developed Momentum ETF 1.90%
  • JPMorgan Nasdaq Equity Premium Income ETF 11.10%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab Long-Term U.S. Treasury ETF 4.60%
  • Schwab Strategic Trust 7.10%
  • iShares® 0-3 Month Treasury Bond ETF 4.40%
  • Global X Funds 0.20%
  • Invesco S&P 500® Momentum ETF 0.60%
  • T. ROWE PRICE RETIREMENT 2035 FUND T. ROWE PRICE RETIREMENT 2035 FUND 1.60%
  • Vanguard Intermediate-Term Treasury Index Fund ETF Shares 3.80%
  • Vanguard Core Plus Bond ETF 4.60%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 3.71%

The portfolio's average dividend yield of 3.71% contributes to its income generation, complementing capital gains as a source of return. This yield, derived from a mix of equity and bond ETFs, underscores the portfolio's balanced approach, combining growth potential with income stability. For cautious investors, dividends not only offer regular income but also provide a cushion during market dips.

Ongoing product costs Info

  • American Century ETF Trust 0.31%
  • Dimensional ETF Trust - Dimensional Emerging Markets Value ETF 0.43%
  • Dimensional International Value ETF 0.27%
  • SPDR Gold Mini Shares 0.10%
  • iShares Bitcoin Trust 0.12%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab Long-Term U.S. Treasury ETF 0.03%
  • Schwab Strategic Trust 0.03%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • Global X Funds 0.50%
  • Invesco S&P 500® Momentum ETF 0.13%
  • T. ROWE PRICE RETIREMENT 2035 FUND T. ROWE PRICE RETIREMENT 2035 FUND 0.59%
  • Vanguard Intermediate-Term Treasury Index Fund ETF Shares 0.04%
  • Vanguard Core Plus Bond ETF 0.20%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • iShares Ethereum Trust ETF 0.25%
  • Weighted costs total (per year) 0.25%

With a Total Expense Ratio (TER) averaging 0.25%, the portfolio's costs are within a reasonable range, especially considering the diversification and management services provided by the funds and ETFs. Lowering costs can significantly impact long-term returns, so maintaining or even reducing these expenses through careful selection of investments remains a valuable strategy.

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