This portfolio has only about 1.3 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 cautious yet highly diversified portfolio with a focus on dividends and global exposure

Report created on May 8, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification
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Positions

This portfolio exhibits a rich tapestry of diversified investments spanning across various asset classes, sectors, and geographies, with a notable emphasis on dividend-yielding ETFs. The allocation includes a significant portion in stocks (67%), complemented by bonds, real estate, and a sprinkling of commodities and cryptocurrencies. Such a composition suggests a strategy aimed at balancing growth with income generation, while the inclusion of inflation-protected securities and real estate indicates a hedge against inflation.

Growth Info

Historically, the portfolio has demonstrated robust performance with a Compound Annual Growth Rate (CAGR) of 16.97% and a maximum drawdown of -10.69%. This suggests that the portfolio not only grows at an impressive rate but also manages risks effectively. The days contributing to 90% of returns being limited to 11 indicate that the portfolio's growth is concentrated around specific, high-impact days, underlining the importance of staying invested over the long term.

Projection Info

Monte Carlo simulations, which use historical data to forecast a range of possible outcomes, indicate a wide spectrum of potential future performances for this portfolio. With all simulations showing positive returns and a median projected annualized return of 21.14%, the forward-looking outlook appears promising. However, it's important to remember that these projections are speculative and depend on historical market behavior, which does not guarantee future results.

Asset classes Info

  • Stocks
    67%
  • Other
    13%
  • Bonds
    9%
  • Real Estate
    8%
  • Cash
    3%

The portfolio's asset allocation leans heavily towards stocks, which drive growth but also carry higher volatility. The presence of bonds and real estate helps to mitigate this risk by providing more stable, albeit typically lower, returns. The inclusion of commodities and cryptocurrencies introduces additional diversification benefits and potential for high returns but also adds complexity and risk. This mix is indicative of a strategy seeking to balance growth with risk management.

Sectors Info

  • Industrials
    14%
  • Financials
    11%
  • Real Estate
    9%
  • Utilities
    8%
  • Energy
    7%
  • Consumer Staples
    4%
  • Consumer Discretionary
    4%
  • Basic Materials
    4%
  • Technology
    3%
  • Health Care
    3%
  • Telecommunications
    2%

Sector-wise, the portfolio is well-spread out, with industrials, financial services, and real estate being the top three sectors. This sectoral distribution aligns with the portfolio's objectives of growth and income generation, considering these sectors' potential for dividend yields and capital appreciation. However, the relatively lower allocation to technology and healthcare could mean missing out on high-growth opportunities prevalent in these sectors.

Regions Info

  • North America
    41%
  • Europe Developed
    10%
  • Asia Emerging
    7%
  • Latin America
    7%
  • Asia Developed
    7%
  • Australasia
    2%
  • Japan
    1%

Geographically, the portfolio has a substantial allocation to North America but also maintains significant exposure to emerging and developed markets worldwide. This global diversification enhances the portfolio's growth potential by tapping into different economic cycles and market dynamics. However, the relatively lower exposure to Europe Emerging and Africa/Middle East regions suggests potential areas for further diversification.

Market capitalization Info

  • Large-cap
    28%
  • Mega-cap
    20%
  • Mid-cap
    19%
  • No data
    6%
  • Small-cap
    5%
  • Micro-cap
    2%

The distribution across market capitalizations shows a balanced approach, with a slight preference for larger companies (big and mega caps) which tend to be more stable but might offer lower growth potential compared to smaller companies. The presence of medium, small, and micro caps, albeit in smaller proportions, introduces the possibility for higher growth, albeit with increased risk.

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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Considering the Efficient Frontier, the portfolio could potentially achieve a higher expected return of 11.16% at a similar risk level. This indicates room for optimization, possibly by adjusting the asset allocation or diversifying further within underrepresented sectors or geographies. Achieving efficiency means balancing risk and return more effectively, which could enhance long-term performance.

Dividends Info

  • Invesco DB Agriculture Fund 4.00%
  • iShares MSCI Singapore ETF 3.80%
  • iShares MSCI Brazil ETF 7.30%
  • iShares International Select Dividend ETF 5.30%
  • iShares U.S. Infrastructure ETF 2.00%
  • iShares Global Infrastructure ETF 2.90%
  • iShares MSCI India ETF 0.80%
  • iShares Global Tech ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 4.10%
  • Vanguard Real Estate Index Fund ETF Shares 4.10%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares 2.80%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 4.30%
  • Industrial Select Sector SPDR® Fund 1.40%
  • Weighted yield (per year) 3.01%

The focus on dividend-yielding ETFs contributes positively to the portfolio's income generation, with a total yield of 3.01%. This strategy not only provides a regular income stream but also offers potential for reinvestment and compounding. The varying dividend yields across different investments underscore the portfolio's balanced approach to growth and income.

Ongoing product costs Info

  • Invesco DB Agriculture Fund 0.85%
  • iShares MSCI Singapore ETF 0.50%
  • iShares MSCI Brazil ETF 0.59%
  • SPDR® Gold Shares 0.40%
  • iShares International Select Dividend ETF 0.51%
  • iShares U.S. Infrastructure ETF 0.30%
  • iShares Global Infrastructure ETF 0.41%
  • iShares MSCI India ETF 0.65%
  • iShares Global Tech ETF 0.41%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares 0.04%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Industrial Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.31%

The portfolio's average total expense ratio (TER) of 0.31% is relatively low, which is beneficial for long-term growth as lower costs translate directly into higher returns. However, certain investments, like the Invesco DB Agriculture Fund, have higher individual costs, suggesting an opportunity to review and possibly reallocate to more cost-efficient options without compromising on strategic objectives.

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