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.
Get this analysis for your own portfolio Paste your holdings — the first report is free and takes about a minute. Analyze mine

A tech-heavy portfolio with high dividend focus and limited emerging market exposure

Report created on Aug 16, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification
Curious how your own portfolio scores? Same analysis, your holdings. First report free — no card needed. Analyze mine

Positions

This portfolio exhibits a strong inclination towards technology stocks, with significant allocations to Apple and Microsoft, constituting nearly a third of the portfolio. The presence of high-dividend-yielding ETFs and funds suggests a strategy that balances growth with income generation. The portfolio's diversification is somewhat constrained, with a heavy focus on North American equities and limited exposure to emerging markets and smaller market capitalizations. This composition indicates a preference for well-established, high-yield assets over broader global diversification.

Growth Info

The portfolio has demonstrated robust historical performance, with a Compound Annual Growth Rate (CAGR) of 17.66%. This performance is commendable, particularly when considering the maximum drawdown of -17.68%, which suggests resilience in volatile market conditions. However, it's essential to note that past performance is not indicative of future results, and the portfolio's heavy reliance on a few sectors and stocks may introduce specific risks that could affect future performance.

Projection Info

Using Monte Carlo simulations, which project future performance based on historical data, this portfolio shows a wide range of potential outcomes. While the simulations indicate a high likelihood of positive returns, with 999 out of 1,000 simulations showing growth, the variance between the 5th and 67th percentiles is substantial. This suggests a significant uncertainty in potential portfolio values, emphasizing the importance of understanding the inherent risks and maintaining a long-term perspective.

Asset classes Info

  • Stocks
    87%
  • Other
    7%
  • Bonds
    5%
  • Cash
    1%

The portfolio's asset allocation leans heavily on stocks (87%), with a minor presence in bonds (5%) and other investments (7%), including real estate and a speculative position in Bitcoin. This allocation supports a growth-oriented strategy but may carry higher volatility. The minimal bond allocation offers limited cushioning against stock market downturns, and the inclusion of alternative investments introduces additional layers of risk and potential reward.

Sectors Info

  • Technology
    47%
  • Financials
    9%
  • Real Estate
    9%
  • Industrials
    6%
  • Health Care
    6%
  • Utilities
    5%
  • Consumer Staples
    4%
  • Consumer Discretionary
    4%
  • Telecommunications
    3%
  • Energy
    3%
  • Consumer Discretionary
    1%
  • Basic Materials
    1%

Sectoral allocation reveals a pronounced emphasis on technology (47%), followed by financial services and real estate. This concentration enhances exposure to sector-specific risks, notably the volatility associated with tech stocks. While the financial services and real estate sectors can provide some balance through dividends and potential stability, the portfolio could benefit from greater diversification across other sectors to mitigate risk and capitalize on different market cycles.

Regions Info

  • North America
    96%
  • Asia Emerging
    1%
  • Europe Developed
    1%
  • Asia Developed
    1%

Geographically, the portfolio is overwhelmingly focused on North America (96%), with minimal exposure to emerging and developed markets outside of this region. This concentration in a single geographic area may limit opportunities for global diversification and exposure to growth in other economies. Expanding into more diverse markets could help reduce geographic risk and potentially enhance returns.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    23%
  • Mid-cap
    13%
  • Small-cap
    3%

The portfolio's market capitalization breakdown shows a preference for mega (46%) and big (23%) cap stocks, highlighting an investment strategy focused on established companies. While this can offer stability and reliable dividends, diversifying into medium, small, or micro-cap stocks could introduce growth potential and reduce the risk of concentration in large-cap stocks, which may be more susceptible to market-wide movements.

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.

Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

The current portfolio's expected return, based on optimization analysis, suggests room for improvement in achieving a more efficient risk-return balance. By adjusting allocations within the existing assets, it's possible to enhance the portfolio's performance potential without necessarily increasing risk. This optimization process underscores the importance of regularly reviewing and adjusting the portfolio to maintain alignment with investment goals and market conditions.

Dividends Info

  • Apple Inc 0.40%
  • FIDELITY CAPITAL & INCOME FUND FIDELITY CAPITAL & INCOME FUND 3.90%
  • FIDELITY EMERGING MARKETS DISCOVERY FUND FIDELITY EMERGING MARKETS DISCOVERY FUND 3.30%
  • PHARMACEUTICALS PORTFOLIO PHARMACEUTICALS PORTFOLIO 1.40%
  • Fidelity® MSCI Utilities Index ETF 2.60%
  • Griffin Institutional Access Real Estate 4.10%
  • iShares Core S&P 500 ETF 1.20%
  • Microsoft Corporation 0.50%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.60%
  • Weighted yield (per year) 1.82%

The portfolio's focus on high-dividend-yielding investments is evident, with a total yield of 1.82%. This strategy can provide a steady income stream and contribute to total returns, particularly in volatile or bear markets. However, it's important to balance the pursuit of dividends with the potential for capital appreciation and to consider the tax implications of dividend income.

Ongoing product costs Info

  • FIDELITY CAPITAL & INCOME FUND FIDELITY CAPITAL & INCOME FUND 0.90%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • FIDELITY EMERGING MARKETS DISCOVERY FUND FIDELITY EMERGING MARKETS DISCOVERY FUND 0.97%
  • PHARMACEUTICALS PORTFOLIO PHARMACEUTICALS PORTFOLIO 0.67%
  • Fidelity® MSCI Utilities Index ETF 0.08%
  • Griffin Institutional Access Real Estate 3.23%
  • iShares Core S&P 500 ETF 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.40%

The portfolio's total expense ratio (TER) of 0.40% is relatively moderate, considering the inclusion of actively managed funds and niche investments like Bitcoin. While keeping costs low is crucial for enhancing long-term returns, the value of active management and specialized investments should be evaluated against their performance and contribution to the portfolio's strategic objectives.

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