Balanced and broadly diversified portfolio with a focus on tech and international exposure

Report created on May 23, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is structured with a strong foundation in ETFs, emphasizing large-cap stocks through the Vanguard S&P 500 ETF and international diversification via the Vanguard Total International Stock Index Fund ETF Shares. The inclusion of specialized ETFs like the VanEck Semiconductor ETF and the Invesco S&P 500® Momentum ETF indicates a tilt towards sectors expected to exhibit growth. This composition suggests a strategy that balances between core, stable investments and targeted growth areas, aligning with a balanced risk profile.

Growth Info

Historically, the portfolio has exhibited a Compound Annual Growth Rate (CAGR) of 18.93%, with a maximum drawdown of -17.88%. This performance, characterized by significant growth with manageable downturns, underscores the portfolio's resilience and effective allocation. The days contributing most to returns highlight the impact of short-term gains, which is typical for portfolios with growth-oriented positions. Comparing this to a benchmark would help contextualize these results further.

Projection Info

Monte Carlo simulations, which forecast future performance based on historical data, show a wide range of outcomes but a strong leaning towards positive returns. With all simulations projecting gains and a median increase of 1,388.3%, the forward-looking perspective is optimistic. However, it's crucial to remember that such simulations are speculative and depend heavily on past market behaviors, which may not predict future movements accurately.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's allocation is heavily skewed towards stocks (99%), with a minimal cash reserve (1%). This allocation supports a growth-oriented strategy but carries higher volatility and risk compared to more diversified asset class distributions. Considering the investor's balanced risk profile, evaluating the potential for incorporating bonds or other asset classes could enhance risk-adjusted returns.

Sectors Info

  • Technology
    29%
  • Financials
    16%
  • Industrials
    11%
  • Consumer Discretionary
    11%
  • Health Care
    7%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Basic Materials
    5%
  • Energy
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector allocation reveals a significant emphasis on technology and financial services, together comprising 45% of the portfolio. This concentration in high-growth areas can offer substantial returns but also increases susceptibility to sector-specific downturns. Diversifying into underrepresented sectors could mitigate this risk while potentially uncovering new growth opportunities.

Regions Info

  • North America
    61%
  • Europe Developed
    17%
  • Japan
    8%
  • Asia Emerging
    5%
  • Asia Developed
    4%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, the portfolio covers a broad spectrum, with a notable emphasis on North America and developed European markets. The current allocation benefits from the stability of developed markets but may be underexposed to the growth potential in emerging markets. Increasing exposure to underrepresented regions could offer diversification benefits and access to high-growth economies.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    31%
  • Mid-cap
    19%
  • Small-cap
    6%

The portfolio's market capitalization breakdown shows a preference for mega and big-cap stocks, which tend to offer stability and resilience. However, the relatively smaller allocation to small and micro-cap stocks limits exposure to potentially higher growth segments. Considering a slight increase in small or micro-cap allocations could introduce more growth potential, albeit with increased risk.

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, the portfolio appears to be positioned for a balanced risk-return ratio. However, there's always room for optimization, particularly by adjusting allocations to underrepresented asset classes or sectors. Fine-tuning the balance between growth and stability could further enhance the portfolio's efficiency.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.70%
  • VanEck Semiconductor ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.50%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 11.60%
  • Vanguard S&P 500 ETF 1.30%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 2.36%

The portfolio's dividend yield strategy is diverse, with a total yield of 2.36%. The high income ETF contributes significantly to this yield, suggesting a blend of growth and income generation. This approach is suitable for investors seeking both capital appreciation and income, but the high yield from specific ETFs should be monitored for sustainability.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 0.68%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.14%

With an average Total Expense Ratio (TER) of 0.14%, the portfolio is efficiently managed cost-wise. Lower costs contribute to better net returns over the long term, and this portfolio benefits from selecting low-cost ETFs. Continual monitoring of fees, especially for any new additions or rebalancing, remains essential.

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