This portfolio has only about 1.6 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 balanced yet bold portfolio with a strong focus on US equities and innovative assets

Report created on Aug 11, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification
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Positions

The portfolio is heavily weighted towards US equities, with a significant 50% allocation to the Vanguard S&P 500 ETF, complemented by a 20% stake in the Vanguard Small-Cap Index Fund ETF. This is balanced by a diversification into alternative assets, including a 10% investment in the iShares Bitcoin Trust and a 5% position in the Global X FinTech ETF. Bonds and gold, represented by the iShares Interest Rate Hedged Long-Term Corporate Bond ETF and the iShares Gold Trust, each hold a 10% and 5% allocation, respectively. This composition suggests a strategy that leans towards growth while incorporating elements of hedging and diversification.

Growth Info

With a historical Compound Annual Growth Rate (CAGR) of 23.80% and a maximum drawdown of -18.53%, the portfolio demonstrates robust growth potential tempered by moderate volatility. The days contributing to 90% of returns being limited to 13.0 underscores the impact of significant market movements on performance. Comparing this to benchmark indices can help contextualize these figures, indicating whether the portfolio's risk-return profile aligns with the investor's objectives.

Projection Info

Monte Carlo simulations, projecting a wide range of potential outcomes based on historical data, indicate a median potential growth of 3,264.3% over the simulation period. While promising, it's crucial to remember that these projections are inherently uncertain and should be seen as one of many tools in evaluating potential future performance, not guarantees.

Asset classes Info

  • Stocks
    75%
  • Other
    16%
  • Bonds
    9%

The asset class distribution shows a strong tilt towards stocks (75%), with a smaller allocation to bonds (9%) and other assets, including Bitcoin and gold (16%). This composition underscores the portfolio's growth orientation but highlights a moderate approach to risk through diversification across asset classes.

Sectors Info

  • Technology
    23%
  • Financials
    11%
  • Consumer Discretionary
    8%
  • Industrials
    8%
  • Health Care
    7%
  • Telecommunications
    6%
  • Consumer Staples
    4%
  • Real Estate
    3%
  • Energy
    2%
  • Utilities
    2%
  • Basic Materials
    2%

Sector allocation reveals a concentration in technology (23%) and financial services (11%), with reasonable diversification across consumer cyclicals, industrials, and healthcare. This sector spread indicates a balanced approach, capturing growth in tech and fintech while maintaining exposure to more stable, traditional sectors.

Regions Info

  • North America
    73%
  • Europe Developed
    1%

Geographic allocation is heavily North American (73%), with minimal exposure to international markets. This concentration enhances the portfolio's exposure to the US economy's growth potential but may limit diversification benefits and exposure to global growth opportunities.

Market capitalization Info

  • Mega-cap
    23%
  • Large-cap
    19%
  • Mid-cap
    17%
  • Small-cap
    13%
  • No data
    5%
  • Micro-cap
    2%

Market capitalization analysis shows a balanced exposure across mega (23%), big (19%), and medium (17%) cap stocks, with a smaller allocation towards small (13%) and micro (2%) caps. This spread suggests a balanced approach to capturing the growth potential of smaller companies while anchoring the portfolio with the stability of larger firms.

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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The portfolio's current expected return is below the optimal level identified by Efficient Frontier analysis, which suggests a possibility for higher returns at the same level of risk. Adjusting asset allocation could potentially increase the expected return to 35.70%, optimizing the risk-return profile without increasing volatility unduly.

Dividends Info

  • Global X FinTech ETF 0.50%
  • iShares Interest Rate Hedged Long-Term Corporate Bond ETF 6.50%
  • Vanguard Small-Cap Index Fund ETF Shares 1.40%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.56%

The portfolio's dividend yield stands at 1.56%, with contributions from both equity and bond holdings. While not the primary focus, these dividends can provide a steady income stream and contribute to total returns, especially important during market downturns or for income-focused investors.

Ongoing product costs Info

  • Global X FinTech ETF 0.68%
  • iShares Gold Trust 0.25%
  • iShares Bitcoin Trust 0.12%
  • iShares Interest Rate Hedged Long-Term Corporate Bond ETF 0.14%
  • Vanguard Small-Cap Index Fund ETF Shares 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.10%

The total Expense Ratio (TER) of 0.10% is impressively low, enhancing potential net returns. Costs can significantly impact long-term performance, and maintaining a low-cost structure is a commendable aspect of this portfolio, allowing for more of the investment's gross return to contribute to net growth.

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