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.

A diversified and cautious investment portfolio with a mix of stocks, bonds, and alternative assets

Report created on Aug 15, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio features a broad mix of asset classes, including stocks, bonds, and a small allocation to alternative investments such as gold and cryptocurrencies. The largest portion is allocated to a global stock ETF, emphasizing the portfolio's aim for growth while maintaining a significant bond allocation to mitigate risk. The inclusion of specific retirement and value-focused funds suggests a strategy tailored towards long-term growth with an eye on reducing volatility. This structure is well-suited for investors seeking a balanced approach, combining growth potential with risk management.

Growth Info

With a historical Compound Annual Growth Rate (CAGR) of 15.62% and a maximum drawdown of -9.06%, the portfolio has demonstrated robust performance. The relatively low drawdown indicates that the portfolio has managed risk effectively during market downturns. However, it's important to note that past performance is not indicative of future results. This performance should be viewed within the context of the portfolio's risk classification and the overall market conditions during the period in question.

Projection Info

The Monte Carlo simulation, which uses historical data to project future outcomes, suggests a wide range of potential future values for this portfolio. With 998 out of 1,000 simulations showing positive returns, the analysis indicates a strong likelihood of future growth. However, investors should approach these projections with caution, as they are based on past market behavior and cannot account for unforeseen market shifts.

Asset classes Info

  • Stocks
    52%
  • Bonds
    30%
  • Other
    3%

The portfolio's asset allocation—52% in stocks, 30% in bonds, and 3% in alternatives—reflects a cautious but growth-oriented strategy. This diversification across asset classes is crucial for managing risk and aiming for consistent returns over time. The bond allocation, in particular, helps buffer against stock market volatility, while the stock and alternative investments provide growth potential.

Sectors Info

  • Financials
    12%
  • Technology
    10%
  • Industrials
    8%
  • Consumer Discretionary
    5%
  • Telecommunications
    4%
  • Health Care
    3%
  • Basic Materials
    3%
  • Energy
    3%
  • Consumer Staples
    2%
  • Utilities
    1%
  • Real Estate
    1%

Sector allocation shows a well-rounded exposure, with the largest allocations in financial services and technology. This sectoral spread supports diversification, reducing the impact of sector-specific downturns. However, the technology sector's performance can be more volatile, which might influence the portfolio's overall risk profile. Balancing sector exposure is key to managing risk while capturing growth opportunities across the economy.

Regions Info

  • Europe Developed
    10%
  • North America
    8%
  • Asia Emerging
    4%
  • Asia Developed
    3%
  • Japan
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic allocation emphasizes developed markets in Europe and North America, with smaller exposures to emerging markets in Asia and Latin America. This distribution suggests a preference for the stability of developed markets while still tapping into the growth potential of emerging economies. Enhancing exposure to underrepresented regions could further diversify the portfolio and potentially increase returns.

Market capitalization Info

  • Mega-cap
    21%
  • Large-cap
    17%
  • Mid-cap
    9%
  • Small-cap
    2%

The market capitalization breakdown—21% mega, 17% big, 9% medium, 2% small, and 0% micro—indicates a focus on larger, more established companies. This preference aligns with the portfolio's cautious risk profile, as larger companies typically offer more stability. However, including more small and micro-cap stocks could enhance growth potential, albeit with higher volatility.

Redundant positions Info

  • American Century ETF Trust
    Dimensional International Value 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 high correlation between certain assets, like the American Century ETF Trust and Dimensional International Value ETF, suggests overlapping exposures that may not contribute to diversification. Identifying and addressing these overlaps can help improve the portfolio's risk-adjusted returns by ensuring that each investment contributes uniquely to the portfolio's 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.

Optimizing the portfolio along the Efficient Frontier could further enhance its risk-return profile. This process involves adjusting asset allocations to achieve the highest possible returns for a given level of risk. Before optimization, addressing the identified asset overlaps will be crucial. This step ensures that each asset contributes to diversification, improving the portfolio's overall efficiency.

Dividends Info

  • American Century ETF Trust 3.00%
  • 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%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab Long-Term U.S. Treasury ETF 4.60%
  • Global X Funds 0.20%
  • 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%
  • Weighted yield (per year) 2.57%

The portfolio's average dividend yield of 2.57% contributes to its total return, providing a steady income stream in addition to potential capital gains. This yield is particularly beneficial in a cautious portfolio, offering returns even in flat or declining markets. However, investors should also consider the growth potential of reinvesting dividends versus the immediate income.

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%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab Long-Term U.S. Treasury ETF 0.03%
  • Global X Funds 0.50%
  • 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%
  • iShares Ethereum Trust ETF 0.25%
  • Weighted costs total (per year) 0.22%

With an overall Total Expense Ratio (TER) of 0.22%, the portfolio is relatively cost-efficient, which is crucial for long-term growth. Lower costs mean more of the investment's return is retained by the investor. Continuously monitoring and minimizing investment costs remains a key strategy for enhancing portfolio performance over time.

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