This portfolio has only about 1.9 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 tech focus and solid dividend contributors

Report created on Aug 9, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is characterized by a significant allocation to ETFs (70%) and a strategic selection of individual stocks (30%), focusing predominantly on technology and dividend-paying assets. This structure suggests a preference for growth through tech exposure while seeking income through dividends. The balance between ETFs and stocks, alongside a mix of sectors and market caps, indicates an attempt at diversification. However, the heavy tilt towards technology and North American assets suggests room for broader geographic and sectoral spread to mitigate region-specific and sector-specific risks.

Growth Info

Historically, this portfolio has shown a compelling Compound Annual Growth Rate (CAGR) of 19.62%, with a maximum drawdown of -16.10%. These figures underscore a strong performance, albeit with significant volatility. The days contributing most to returns are relatively few, highlighting the impact of major market movements on the portfolio's gains. While past performance is impressive, it's crucial to remember that it doesn't guarantee future results. Investors should consider whether the level of past volatility aligns with their risk tolerance and investment goals.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, suggest a wide range of potential returns for this portfolio. The median outcome shows a substantial increase, but it's important to understand the assumptions behind these projections. Such simulations can provide a sense of potential volatility and return but are not predictors of future performance. They assume that past market behavior will continue, which may not always be the case, especially in rapidly changing economic environments.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely invested in stocks, with no allocation to cash, bonds, or alternative investments. This single-asset class approach maximizes exposure to stock market growth but also exposes the investor to higher volatility and risk. Diversification across multiple asset classes can help smooth out returns over time, reducing the impact of stock market downturns. Considering a mix of asset classes could enhance the portfolio's resilience against market fluctuations.

Sectors Info

  • Technology
    33%
  • Industrials
    15%
  • Consumer Staples
    11%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Health Care
    6%
  • Financials
    6%
  • Real Estate
    6%
  • Energy
    5%
  • Basic Materials
    1%
  • Utilities
    1%

With a third of the portfolio in technology, followed by industrials, consumer defensive, and a spread across other sectors, there's a clear growth orientation. However, the heavy focus on technology can lead to higher volatility, especially in market downturns or during interest rate hikes. Diversifying more evenly across sectors could reduce risk and potentially stabilize returns, especially in varying economic cycles.

Regions Info

  • North America
    88%
  • Europe Developed
    6%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%
  • Australasia
    1%

The portfolio's geographic allocation is heavily skewed towards North America (88%), with minimal exposure to international markets. This concentration increases vulnerability to region-specific economic and political events. Expanding into more developed and emerging international markets could not only spread risk but also tap into growth opportunities outside the North American market.

Market capitalization Info

  • Large-cap
    42%
  • Mega-cap
    38%
  • Mid-cap
    16%
  • Small-cap
    4%
  • Micro-cap
    1%

The mix of big, mega, medium, small, and micro-cap stocks suggests a balanced approach to market capitalization. However, the dominance of big and mega-cap stocks, particularly in the technology sector, might limit exposure to the potentially higher growth rates of smaller companies. Increasing the allocation to medium, small, and micro-cap stocks could introduce more growth potential, albeit with added risk.

Redundant positions Info

  • Vanguard Growth Index Fund ETF Shares
    Vanguard Information Technology Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation among the tech-focused ETFs and the total stock market ETF indicates a concentration risk, which might not provide the diversification benefits expected. Diversification is not just about owning different assets; it's about owning assets that behave differently under various market conditions. Reducing overlap and introducing assets with low or negative correlations could enhance portfolio resilience.

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 current portfolio shows potential for optimization by addressing the high correlation among assets, suggesting an opportunity to enhance returns without proportionately increasing risk. By reallocating assets to reduce overlap and improve diversification, the portfolio could achieve a more favorable risk-return profile. This process involves identifying and eliminating redundant investments and introducing a wider variety of assets to ensure broader market exposure.

Dividends Info

  • Canadian National Railway Company 2.70%
  • The Coca-Cola Company 2.80%
  • Realty Income Corporation 5.10%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Global X Funds 0.20%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.89%

The portfolio's dividend yield contributes to its total return, offering a buffer in market downturns and a source of income. The mix of high and low dividend-yielding assets balances growth prospects with income generation. Regularly reviewing dividend performance and considering the sustainability of these dividends in various economic conditions can ensure that the portfolio continues to meet income objectives.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Global X Funds 0.50%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.09%

The portfolio's total expense ratio (TER) is relatively low, which is beneficial for long-term growth as costs can significantly erode investment returns over time. Keeping costs low while achieving desired diversification and performance is a key aspect of successful investing. Periodic review of investment costs and comparison with alternative options can help in maintaining an efficient portfolio.

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