This portfolio has only about 1.4 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.
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A balanced and highly diversified portfolio with a strong tilt towards technology and emerging technologies

Report created on Jun 9, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification
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Positions

The portfolio is well-structured, emphasizing a blend of global equities, emerging technologies, and traditional assets. The largest holding is in a global stock ETF, ensuring broad market exposure. The significant investments in robotics, AI, and Bitcoin ETFs highlight a focus on cutting-edge sectors, while the presence of a major S&P 500 fund and a total bond market ETF provides a foundation in more traditional, stable assets. This mix suggests a strategy that balances growth potential with risk management, leveraging diversification across asset classes and sectors.

Growth Info

Historically, the portfolio has shown impressive growth with a Compound Annual Growth Rate (CAGR) of 22.83%. This performance, particularly the max drawdown of -18.44%, indicates resilience during market volatility. The days contributing most to returns suggest that the portfolio's success hinges on specific high-impact periods, a common characteristic of growth-focused investments. While past performance is encouraging, it's crucial to remember that it doesn't guarantee future results, especially in volatile sectors like technology and cryptocurrencies.

Projection Info

Monte Carlo simulations, which use historical data to project a range of possible future outcomes, suggest a wide variance in potential returns for this portfolio. With 998 out of 1,000 simulations showing positive returns, the analysis forecasts a strong likelihood of future growth. However, the significant spread between the 5th and 67th percentiles underscores the uncertainty and risk associated with high-growth investments. These projections are useful for understanding potential volatility but should be viewed as one of many tools in decision-making.

Asset classes Info

  • Stocks
    74%
  • Other
    14%
  • Bonds
    11%
  • Cash
    1%

The allocation across asset classes with 74% in stocks, 11% in bonds, and a notable 14% in other (including cryptocurrencies), aligns with a balanced risk profile aiming for growth. The inclusion of bonds provides a cushion against market volatility, while the substantial allocation to 'other' assets indicates a willingness to explore non-traditional investments. This setup is suitable for investors comfortable with medium to high risk in exchange for the potential of higher returns.

Sectors Info

  • Technology
    21%
  • Industrials
    12%
  • Financials
    11%
  • Health Care
    7%
  • Consumer Discretionary
    5%
  • Telecommunications
    5%
  • Consumer Staples
    4%
  • Energy
    2%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%
  • Consumer Discretionary
    1%

The sectoral allocation demonstrates a strong inclination towards technology, industrials, and financial services, making up a significant portion of the portfolio. This concentration in technology and related sectors can amplify returns during tech booms but also increases vulnerability to sector-specific downturns. Diversifying more broadly across sectors could mitigate this risk while still capturing growth opportunities in these dynamic areas.

Regions Info

  • North America
    46%
  • Europe Developed
    8%
  • Asia Emerging
    7%
  • Japan
    7%
  • Asia Developed
    3%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Australasia
    1%

Geographic distribution shows a heavy weighting towards North America, supplemented by exposures to developed Europe, emerging Asia, and Japan. This allocation supports diversification across different economic cycles and market conditions, although the portfolio might benefit from increased exposure to emerging markets and other developed regions to capture global growth trends more fully.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    23%
  • Mid-cap
    13%
  • Small-cap
    6%
  • Micro-cap
    1%

The portfolio's market capitalization spread, with a focus on mega and large-cap stocks, suggests a preference for established, stable companies. This is a prudent choice for foundational investments, though integrating more mid to small-cap stocks could offer higher growth potential and further diversification benefits, aligning with the portfolio's balanced risk profile.

Redundant positions Info

  • Schwab S&P 500 Index Fund
    Vanguard Total World Stock Index Fund ETF Shares
    High correlation

The high correlation between the S&P 500 fund and the global stock ETF indicates redundancy, limiting diversification benefits. Reducing overlap by reallocating from one to more distinct assets could enhance portfolio efficiency, reducing volatility without sacrificing expected returns.

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.

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The current portfolio, while already strong, could achieve an even better risk-return profile through optimization. Specifically, addressing the high correlation between certain holdings to reduce overlap can enhance diversification. Pursuing an optimal portfolio with an expected return of 30.34% and a slightly higher risk suggests that carefully considered adjustments could significantly boost performance without deviating from the investor's risk tolerance.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • Global X Robotics & Artificial Intelligence ETF 0.10%
  • Schwab Emerging Markets Equity ETF 2.70%
  • Schwab S&P 500 Index Fund 1.20%
  • Vanguard Total World Stock Index Fund ETF Shares 1.80%
  • Weighted yield (per year) 1.50%

The diversified yield sources, from higher-yielding bonds to modest dividends from equity holdings, contribute to the portfolio's total return. This blend supports income generation while maintaining growth potential. Regularly reviewing dividend-yielding assets in light of changing market conditions and portfolio goals can ensure this balance remains optimal.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Global X Robotics & Artificial Intelligence ETF 0.68%
  • iShares Bitcoin Trust 0.12%
  • Schwab Emerging Markets Equity ETF 0.11%
  • Schwab S&P 500 Index Fund 0.02%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.16%

The portfolio's total expense ratio (TER) of 0.16% is impressively low, especially considering the inclusion of specialized ETFs. Lower costs directly translate to higher net returns over time, highlighting efficient fund selection. Continuously monitoring expenses, especially in niche sectors like robotics and AI, can safeguard against cost creep.

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