A balanced and highly diversified portfolio with a focus on growth and income through global ETFs

Report created on Aug 5, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio is structured around a mix of U.S. and international equity ETFs, complemented by fixed-income ETFs, which together provide a balanced risk profile. The allocation includes a substantial focus on large-cap growth stocks (30%) and diversified exposure across developed and emerging markets, alongside a strategic position in dividend and bond ETFs. This composition reflects a well-thought-out approach to balancing growth potential with income generation and risk mitigation.

Growth Info

Historically, the portfolio has demonstrated robust performance with a Compound Annual Growth Rate (CAGR) of 13.63%, albeit with a maximum drawdown of -25.10%. The days contributing to 90% of returns number at 18, indicating significant returns were concentrated in brief periods. This underscores the importance of staying invested through market cycles to capture key growth spurts, despite short-term volatility.

Projection Info

Monte Carlo simulations, using historical data to predict future outcomes, suggest a wide range of potential portfolio values. With a median projected increase of 313.9% and a notable 97.3% of simulations yielding positive returns, the forward-looking scenario appears optimistic. However, it's crucial to remember that these projections are theoretical and subject to market uncertainties.

Asset classes Info

  • Stocks
    79%
  • Bonds
    20%
  • Cash
    1%

The portfolio's asset allocation leans heavily towards stocks (79%), with a 20% allocation to bonds and a minimal cash position. This stock-heavy approach aligns with the portfolio's growth orientation but also introduces higher volatility. The bond holdings, primarily through iBonds, provide a cushion against market downturns, highlighting a balanced strategy for long-term growth with moderated risk.

Sectors Info

  • Technology
    23%
  • Financials
    12%
  • Consumer Discretionary
    9%
  • Industrials
    9%
  • Telecommunications
    7%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    1%
  • Real Estate
    1%

Sectoral allocation shows a heavy emphasis on technology (23%), financial services (12%), and consumer cyclicals (9%), among others. This sector distribution suggests a pursuit of growth through tech and cyclical sectors, which can offer higher returns but also come with increased volatility. The diversified sector exposure helps mitigate sector-specific risks and capitalize on different economic cycles.

Regions Info

  • North America
    61%
  • Europe Developed
    6%
  • Asia Emerging
    5%
  • Asia Developed
    4%
  • Japan
    2%
  • Latin America
    1%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, the portfolio is predominantly invested in North America (61%), with diversified exposure across developed and emerging markets in Europe, Asia, and Latin America. This geographic spread enhances diversification, reduces exposure to region-specific economic downturns, and taps into growth opportunities in emerging markets.

Market capitalization Info

  • Mega-cap
    29%
  • Large-cap
    25%
  • Mid-cap
    14%
  • Small-cap
    7%
  • Micro-cap
    2%

The portfolio's market capitalization breakdown shows a balanced approach, with a mix of mega (29%), big (25%), and medium (14%) cap stocks. This diversification strategy aims to capture the stability of large-cap companies while still seeking growth opportunities in mid-cap stocks, which can offer higher growth potential but 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.

The portfolio's current allocation appears well-optimized for a balance between risk and return, as suggested by its risk score and diversification classification. While always room for refinement exists, the portfolio aligns closely with the principles of the Efficient Frontier, indicating an efficient risk-return trade-off based on current allocations.

Dividends Info

  • Avantis® International Equity ETF 2.80%
  • Avantis® Emerging Markets Equity ETF 2.90%
  • Amplify CWP Enhanced Dividend Income ETF 4.60%
  • iShares iBonds Dec 2026 Term Corporate ETF 3.90%
  • iShares iBonds Dec 2026 Term Treasury ETF 3.70%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Extended Market Index Fund ETF Shares 1.10%
  • Weighted yield (per year) 2.41%

The portfolio's dividend yield stands at 2.41%, contributed by both equity and bond ETFs. This yield provides a steady income stream, which is particularly valuable in volatile or declining markets. The inclusion of high-dividend ETFs underscores a strategic focus on income generation alongside capital appreciation.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Avantis® Emerging Markets Equity ETF 0.33%
  • Amplify CWP Enhanced Dividend Income ETF 0.56%
  • iShares iBonds Dec 2026 Term Corporate ETF 0.10%
  • iShares iBonds Dec 2026 Term Treasury ETF 0.07%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Extended Market Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.15%

With a total expense ratio (TER) of 0.15%, the portfolio is cost-efficient, minimizing the drag on returns over time. Lower costs are crucial for long-term investment success, as they allow a greater portion of investment returns to compound, enhancing growth potential.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey