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A growth tilted balanced portfolio with strong diversification and selective high octane satellite positions

Report created on Jan 31, 2026

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

This portfolio is built around a broad “core and satellite” structure: wide market index funds as the core, plus targeted tilts to small value, real estate, commodities, dollar strength, Treasuries, bitcoin, and a single large growth stock. Stocks dominate at roughly three quarters of the mix, with a modest slice in bonds and cash-like instruments and a small allocation to alternatives. This structure matters because a strong core can provide market-like behavior, while satellites can nudge risk and return in specific directions. Keeping the total number of positions reasonable is a plus. The main thing to watch is how much influence the concentrated single-stock and alternatives have on total volatility and behavior in extreme markets.

Growth Info

Historically, this setup has delivered a very strong compound annual growth rate (CAGR) of about 23%, meaning a hypothetical $10,000 could have grown to roughly $28,000 in five years if that rate persisted each year. CAGR is simply the “average speed” of growth over time, like miles per hour on a road trip. The max drawdown of about –17% is relatively mild for that level of return, suggesting past downside has been contained. Only 19 days made up 90% of returns, which shows performance was driven by a few powerful up days. It’s important to remember that such high historical numbers are unlikely to be a reliable blueprint for the future.

Projection Info

The Monte Carlo analysis, which runs hundreds of “what if” scenarios based on historical patterns, shows a very wide range of possible outcomes. At the 5th percentile, the ending value is roughly triple, while the median and higher percentiles point to very large hypothetical growth. Monte Carlo is like simulating thousands of alternate market timelines to see how often things turn out well or badly, but all anchored to past behavior. The fact that 999 out of 1,000 simulations were positive reinforces the strong historical profile. That said, simulation outputs are entirely dependent on historical data and assumptions, so they may be overly optimistic in future environments with lower returns or higher shocks.

Asset classes Info

  • Stocks
    74%
  • Cash
    15%
  • Bonds
    6%
  • Real Estate
    3%
  • Other
    2%

Across asset classes, the portfolio leans clearly toward growth, with about 74% in stocks, a smaller slice in bond and cash-like assets, and a small but meaningful exposure to real estate and other alternatives. This allocation is well-balanced for a growth-oriented “balanced” profile and aligns reasonably with many global multi-asset benchmarks that prioritize equities. The sizable allocation to short-term Treasuries and cash-like holdings adds a useful cushion for liquidity needs and volatility control. The presence of alternatives such as commodities, real estate, and bitcoin can help in certain macro environments but can also add noise. Periodically checking whether the mix still matches target risk tolerance and time horizon helps keep the asset split purposeful rather than accidental.

Sectors Info

  • Technology
    23%
  • Financials
    11%
  • Industrials
    9%
  • Consumer Discretionary
    8%
  • Health Care
    5%
  • Basic Materials
    4%
  • Real Estate
    4%
  • Telecommunications
    4%
  • Energy
    4%
  • Consumer Staples
    3%
  • Utilities
    1%

Sector exposure is broad and closely resembles a diversified global equity benchmark, with notable weight in technology, plus meaningful allocations to financials, industrials, consumer areas, and healthcare. This portfolio’s sector composition matches benchmark data, which is a strong indicator of diversification. The tech tilt, boosted by both broad funds and a large individual holding, can deliver strong growth but may be more sensitive when interest rates rise or sentiment shifts away from high-growth names. Having exposure across defensives like consumer staples and utilities, even at lower weights, helps soften sector-specific shocks. The real estate slice provides an additional lever linked to property and rate cycles. Watching that tech plus any single stock doesn’t become disproportionately large over time is the key here.

Regions Info

  • North America
    55%
  • Europe Developed
    10%
  • Japan
    6%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Australasia
    2%
  • Africa/Middle East
    1%

Geographically, the portfolio tilts toward North America but still has solid exposure to developed markets overseas and some allocation to Asia and other regions. This allocation is well-balanced and aligns closely with global standards, especially for a US-based investor whose spending and income are dollar-denominated. International exposure helps reduce “home bias” and adds diversification benefits when regional economies move differently. The relatively low allocation to emerging regions can mean lower volatility but also less exposure to potentially faster-growing markets. Over time, checking whether the split between domestic and international assets still feels intentional, versus just following default weights, can help keep geographic risk aligned with personal views and comfort levels.

Market capitalization Info

  • Mega-cap
    29%
  • Mid-cap
    16%
  • Large-cap
    15%
  • Small-cap
    11%
  • Micro-cap
    6%
  • No data
    5%

By market capitalization, there is a healthy blend: strong exposure to mega and large companies, alongside meaningful allocations to mid, small, and even micro caps through both broad market and dedicated small value funds. Market cap simply refers to company size, and blending sizes can spread risk across different business profiles and growth drivers. This portfolio’s size mix is more diversified than many standard benchmarks that are heavily dominated by mega caps. The small and micro tilts can raise expected volatility but may improve long-term growth if smaller companies outperform. Ensuring this tilt to smaller, cheaper stocks remains a conscious choice—and not something that drifts further than intended—is the main ongoing task.

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.

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On a risk-return basis, this portfolio appears to sit in a favorable zone of the Efficient Frontier, which is the curve of portfolios that deliver the best possible return for a given level of volatility using only the current building blocks. “Efficiency” here means getting the most return per unit of risk, not necessarily maximizing diversification or income. Given the strong historical profile, only small adjustments in weights between existing positions may be needed if the goal is to fine-tune efficiency rather than overhaul the design. Tools that explore different mixes of these same assets can reveal combinations that shave a bit of volatility or add a bit of expected return, helping confirm whether the current blend is already close to the sweet spot.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.50%
  • Direxion Auspice Broad Commodity Strategy ETF 2.90%
  • iShares® 0-3 Month Treasury Bond ETF 4.10%
  • WisdomTree Bloomberg U.S. Dollar Bullish Fund 3.90%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • The Real Estate Select Sector SPDR Fund 3.40%
  • Weighted yield (per year) 2.06%

The overall dividend yield of about 2% comes from a mix of equity income, real estate distributions, commodity-linked payouts, and interest from very short-term Treasuries. Dividend yield is the annual cash paid out as a percentage of the portfolio’s value and can act like a “paycheck” from investments, though it fluctuates. For a growth-tilted balanced approach, this level of income is quite reasonable and compares well with typical broad equity benchmarks. The presence of real estate and international stocks supports a slightly higher yield than a pure US growth portfolio. For someone reinvesting distributions, these payouts quietly boost compounding over time. For someone seeking partial income, they provide a modest but steady cash-flow component.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Direxion Auspice Broad Commodity Strategy ETF 0.80%
  • iShares Bitcoin Trust 0.12%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • WisdomTree Bloomberg U.S. Dollar Bullish Fund 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • The Real Estate Select Sector SPDR Fund 0.09%
  • Weighted costs total (per year) 0.15%

With a total ongoing cost (TER) of about 0.15%, this portfolio is impressively low-cost, especially given the inclusion of several specialized strategies. The costs are impressively low, supporting better long-term performance because every dollar not paid in fees stays invested and can compound. Most of the allocation sits in ultra-low-cost index funds, which anchor expenses, while the more expensive satellites are kept to modest weights. This balance between plain-vanilla funds and higher-cost, more focused strategies is well-structured. Periodically checking if each higher-fee holding is still delivering something unique—like a specific risk factor, hedge, or diversification benefit—helps ensure total fees remain justified without sacrificing the portfolio’s strategic intent.

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