This portfolio has only about 1.5 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 focus on tech and high dividend yield ETFs for long-term growth

Report created on Aug 2, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is comprised of a thoughtful mix of ETFs, primarily focusing on major US stock indices, international stocks, and specific high-dividend-yielding assets. The allocation is 50% in broad market US ETFs, 15% in international stocks, and the remaining 35% divided among dividend-focused and high-income ETFs. This composition suggests a strategy that balances growth through broad market exposure with income generation through dividends.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 17.47%, with a maximum drawdown of -17.92%. This performance indicates robust growth potential, albeit with significant volatility, as evidenced by the substantial drawdown. The days contributing to 90% of returns being concentrated in just 8.0 days highlight the portfolio's susceptibility to short-term market movements, underscoring the importance of a long-term investment horizon.

Projection Info

Monte Carlo simulations, which use historical data to forecast a range of possible future outcomes, suggest a wide variance in potential returns, with key percentiles ranging from 217.1% to over 1,049.1%. While all simulations returned positive results, indicating a strong upward trend, investors should remember that these projections are speculative and do not guarantee future performance.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's assets are almost entirely in stocks (99%), with a minimal cash holding (1%). This heavy allocation to equities is typical for growth-oriented portfolios but comes with higher volatility and risk. Diversifying across different asset classes, such as bonds or real estate, could provide more stability during market downturns.

Sectors Info

  • Technology
    34%
  • Financials
    13%
  • Consumer Discretionary
    11%
  • Telecommunications
    10%
  • Health Care
    9%
  • Industrials
    8%
  • Consumer Staples
    7%
  • Energy
    3%
  • Utilities
    3%
  • Basic Materials
    2%
  • Real Estate
    1%

Sector allocation heavily favors technology (34%), with significant positions in financial services (13%) and consumer cyclicals (11%). This tech-heavy focus can drive high growth but also increases vulnerability to sector-specific downturns. Balancing with more defensive sectors like healthcare or utilities might reduce volatility.

Regions Info

  • North America
    85%
  • Europe Developed
    7%
  • Asia Emerging
    3%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Latin America
    1%
  • Africa/Middle East
    1%

Geographically, the portfolio is heavily weighted towards North America (85%), with modest exposure to developed Europe (7%) and emerging Asian markets (3%). This concentration in the US market leverages its historical strength but may limit global diversification benefits, particularly in times of US market underperformance.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    36%
  • Mid-cap
    16%
  • Small-cap
    2%

The portfolio leans towards mega (45%) and big-cap (36%) companies, indicative of a preference for stability and lower volatility associated with larger, more established firms. However, including a greater variety of medium, small, or micro-cap stocks could enhance potential returns, albeit at a higher risk.

Redundant positions Info

  • Vanguard S&P 500 ETF
    SHP ETF Trust - NEOS S&P 500 High Income ETF
    Invesco QQQ Trust
    NEOS Nasdaq 100 High Income ETF
    High correlation
  • Vanguard Dividend Appreciation Index Fund ETF Shares
    Vanguard High Dividend Yield Index Fund ETF Shares
    High correlation

High correlation among the selected ETFs, especially those tracking major US stock indices and high-income ETFs, suggests redundancy in the portfolio. This redundancy limits diversification benefits, as these assets tend to move in tandem during market fluctuations.

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 this portfolio involves addressing the high correlation among selected ETFs. Removing or reducing exposure to overlapping assets could improve diversification without significantly altering the risk-return profile. Focusing on unique value propositions offered by each ETF will streamline the portfolio for efficiency.

Dividends Info

  • Invesco QQQ Trust 0.50%
  • NEOS Nasdaq 100 High Income ETF 14.20%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 12.20%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 1.70%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 3.28%

The portfolio's average dividend yield is 3.28%, with particularly high yields from the NEOS Nasdaq 100 and SHP ETF Trust - NEOS S&P 500 High Income ETFs. While these yields contribute significantly to total returns, especially in a low-interest-rate environment, reliance on high-yielding assets can be risky if dividend payments are not sustainable.

Ongoing product costs Info

  • Invesco QQQ Trust 0.20%
  • NEOS Nasdaq 100 High Income ETF 0.68%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 0.68%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.18%

Total Expense Ratios (TER) across the portfolio average to 0.18%, which is relatively low, enhancing net returns over the long term. However, the NEOS ETFs have higher costs (0.68%), which could impact overall performance. Investors should weigh the benefits of high dividend yields against these higher costs.

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