This portfolio has only about 1.9 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.

Balanced portfolio with a strong tech focus and solid dividend contributors

Report created on Aug 3, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Your portfolio composition highlights a balanced mix of ETFs and a minor allocation to individual stocks, focusing heavily on technology and dividend-yielding assets. The majority of your investments are in ETFs that cover various sectors, with significant weightings in technology-oriented funds. This structure suggests a strategy aiming for growth through tech exposure while seeking income through dividends. The presence of both U.S. and international index funds indicates an attempt at geographic diversification, although the emphasis remains on North American assets.

Growth Info

Historically, your portfolio has shown a Compound Annual Growth Rate (CAGR) of 21.62%, which is impressive. The maximum drawdown of -16.26% indicates that while the portfolio can offer substantial returns, it also comes with considerable risk. The days contributing to 90% of returns being so few suggest that the portfolio's performance is significantly impacted by short periods of high returns. This volatility underscores the importance of understanding the risk associated with such a growth-oriented strategy.

Projection Info

Forward projections using Monte Carlo simulations, with a median outcome showing over 1,000% growth, reinforce the portfolio's high-growth potential. However, it's crucial to remember that these projections are based on historical data, which does not guarantee future performance. The wide range of outcomes in the simulations highlights the uncertainty and risk involved. Diversification and regular portfolio reviews can help manage this risk.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely composed of stocks, with no allocation to cash, bonds, or other asset classes. This allocation is conducive to high growth but also increases volatility and risk. Diversifying across different asset classes can provide a buffer against stock market fluctuations, potentially smoothing out returns over time while still allowing for growth.

Sectors Info

  • Technology
    37%
  • Industrials
    17%
  • Consumer Discretionary
    8%
  • Financials
    7%
  • Telecommunications
    7%
  • Health Care
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Real Estate
    4%
  • Basic Materials
    1%
  • Utilities
    1%

Your sector allocation is heavily weighted towards technology, which can be both a strength and a vulnerability. The tech sector often leads market gains but can also be susceptible to significant corrections. The diversification across other sectors like industrials, consumer cyclicals, and financial services helps, but the heavy tech emphasis may increase the portfolio's volatility. Rebalancing to ensure exposure to sectors with different economic sensitivities could reduce risk.

Regions Info

  • North America
    86%
  • Europe Developed
    8%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Japan
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%

The geographic allocation is predominantly North American, with 86% of assets. While this concentration may capitalize on the robust U.S. market, it also exposes the portfolio to regional economic and political risks. Increasing exposure to developed and emerging markets outside of North America could enhance diversification and potentially tap into growth opportunities in other regions.

Market capitalization Info

  • Large-cap
    40%
  • Mega-cap
    36%
  • Mid-cap
    17%
  • Small-cap
    4%
  • Micro-cap
    1%

A focus on big and mega-cap stocks provides stability and potential for growth, given these companies' market dominance and financial resources. However, the relatively lower allocation to medium, small, and micro-cap stocks limits exposure to higher-growth potential sectors. Balancing the market cap exposure can enhance growth prospects while mitigating risk.

Redundant positions Info

  • Vanguard Growth Index Fund ETF Shares
    Vanguard Information Technology Index Fund ETF Shares
    Invesco QQQ Trust
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation among several of your ETFs, especially those focused on growth and technology, limits the diversification benefits. These overlapping investments might expose the portfolio to concentrated sector risk without providing additional returns. Reducing redundancy by reallocating assets among less correlated investments could enhance portfolio efficiency.

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.

Optimizing your portfolio along the Efficient Frontier could enhance its risk-return profile. Currently, the high correlation among your growth-oriented ETFs suggests an opportunity to improve diversification without necessarily sacrificing returns. By adjusting allocations or selecting less correlated assets, you can potentially achieve a more efficient portfolio, offering a better balance between risk and return.

Dividends Info

  • Canadian National Railway Company 2.70%
  • Realty Income Corporation 5.20%
  • Invesco QQQ Trust 0.50%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Global X Funds 0.20%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.65%

The dividend yield of the portfolio stands at 1.65%, contributing to total returns alongside capital gains. This yield, driven by specific high-dividend assets, provides a steady income stream, which is beneficial in volatile markets. However, focusing solely on dividend yield might limit growth potential. Balancing high-yield and growth-focused investments can optimize returns.

Ongoing product costs Info

  • Invesco QQQ Trust 0.20%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Global X Funds 0.50%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.11%

The portfolio's total expense ratio (TER) of 0.11% is impressively low, which is crucial for maximizing long-term returns. Lower costs mean more of your investment returns are kept, rather than paid out in fees. This efficient cost structure is a strong aspect of your portfolio, supporting better performance over time.

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