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.

Balanced portfolio with a strong focus on US equities and strategic cryptocurrency exposure

Report created on Aug 15, 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 primarily consists of ETFs with a significant 60% allocation to a Vanguard S&P 500 ETF, emphasizing large-cap US equities. The inclusion of American Century and Avantis® U.S. Small Cap Value ETFs, alongside a smaller portion in international small-cap and cryptocurrency ETFs, suggests a strategy that leans heavily on equities for growth while attempting diversification through niche sectors and alternative investments. This composition aligns with a balanced risk profile yet exhibits a strong bias towards stock market performance.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 19%, the portfolio has outperformed many traditional benchmarks, indicating robust growth. The maximum drawdown of -16.87% reflects resilience in volatile markets, although the concentration in equities could amplify risk during downturns. Notably, the days contributing to 90% of returns are exceptionally few, highlighting the impact of significant market movements on performance.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with a median increase of 3,542.4% suggesting high potential for growth. However, the reliance on historical data limits the forecast's accuracy, especially for assets like cryptocurrencies, whose volatility and emerging regulatory environment present unique risks. The simulations underscore the portfolio's capacity for substantial gains while also highlighting the inherent uncertainty of investing.

Asset classes Info

  • Stocks
    95%
  • Other
    5%

The portfolio's 95% allocation to stocks, complemented by a 5% investment in alternatives (cryptocurrencies and gold), showcases a growth-oriented strategy with minimal hedging against market downturns. The absence of bonds and cash positions may limit the portfolio's ability to buffer against short-term market volatility, suggesting a higher risk tolerance and a long-term investment horizon.

Sectors Info

  • Technology
    22%
  • Financials
    17%
  • Consumer Discretionary
    12%
  • Industrials
    11%
  • Health Care
    7%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    5%
  • Utilities
    2%
  • Real Estate
    2%

Sectoral allocation is broadly diversified across technology, financial services, and consumer cyclicals, among others. This diversification supports resilience against sector-specific downturns. However, the heavy weighting in technology and financial services, sectors known for their volatility, might increase the portfolio's sensitivity to market cycles and interest rate changes.

Regions Info

  • North America
    71%
  • Europe Developed
    10%
  • Japan
    5%
  • Asia Emerging
    3%
  • Asia Developed
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic exposure is predominantly North American (71%), with modest allocations to developed Europe and Japan, and minimal exposure to emerging markets. This concentration enhances the portfolio's stability but may limit potential gains from faster-growing economies. Expanding into more diverse international markets could offer improved risk-adjusted returns.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    27%
  • Mid-cap
    18%
  • Small-cap
    8%
  • Micro-cap
    5%

The portfolio's market capitalization breakdown shows a balanced approach, with a mix of mega, big, and medium-cap stocks. This balance mitigates some of the volatility associated with smaller cap investments, though the 13% combined allocation to small and micro-caps introduces higher growth potential at the expense of increased risk.

Redundant positions Info

  • Avantis® International Small Cap Value ETF
    American Century ETF Trust
    High correlation

The high correlation between the American Century ETF Trust and the Avantis® International Small Cap Value ETF indicates overlapping investments that may not provide the intended diversification benefits. Reducing exposure to one or diversifying into uncorrelated assets could enhance the portfolio's risk-adjusted performance.

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 for the Efficient Frontier suggests potential for a more efficient risk-return balance. By addressing the noted asset correlation and potentially rebalancing towards less correlated or more diversifying assets, the portfolio could achieve an expected return of 37.05% with a similar risk profile. This adjustment underscores the importance of continuous portfolio evaluation and adjustment to maintain optimal performance.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.70%
  • American Century ETF Trust 3.00%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.68%

The dividend yield across the portfolio averages 1.68%, contributing to total returns, especially in a low-interest-rate environment. While not the primary focus, these yields offer a modest income stream, complementing capital gains as a source of return. For investors prioritizing growth, this yield is appropriate, though income-focused investors might seek higher-yielding options.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • American Century ETF Trust 0.31%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • SPDR Gold Mini Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • iShares Ethereum Trust ETF 0.25%
  • Weighted costs total (per year) 0.13%

The portfolio's total expense ratio (TER) of 0.13% is impressively low, enhancing net returns. Lower costs are crucial for long-term growth, as even small differences in fees can significantly impact compounded returns over time. This cost efficiency is particularly beneficial given the portfolio's growth-oriented strategy.

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