This portfolio has only about 1.5 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.

A balanced portfolio with a strong focus on high-dividend ETFs and tech stocks

Report created on Aug 4, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

This portfolio is heavily weighted towards ETFs (71.54%), with significant positions in individual tech stocks (14.98%) and a notable allocation to a cryptocurrency ETF (5%). The concentration in ETFs, especially those tracking major indexes and sectors, indicates a preference for diversified exposure within the U.S. market. However, the substantial investment in specific stocks and a cryptocurrency ETF introduces higher volatility and risk.

Growth Info

Historically, this portfolio has demonstrated a remarkable Compound Annual Growth Rate (CAGR) of 23.93%. The maximum drawdown of -21.51% suggests periods of significant volatility, likely influenced by the portfolio's tech-heavy and high-dividend focus. The days contributing to 90% of returns being so few points to the impact of short, sharp market movements on performance, underscoring the importance of timing in realizing gains.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with the median scenario suggesting a substantial increase in value. However, the reliance on historical data means these projections should be viewed with caution, as past performance is not a reliable indicator of future results. Diversification and risk management strategies are crucial to mitigate potential volatility.

Asset classes Info

  • Stocks
    93%
  • Other
    5%
  • No data
    2%

The portfolio's asset allocation leans heavily towards stocks (93%), with a small allocation to 'Other' (5%), likely the cryptocurrency ETF, and an unspecified category (2%). This composition supports a growth-oriented strategy but carries higher risk, particularly in market downturns. A more balanced asset class distribution could provide better protection against volatility.

Sectors Info

  • Technology
    28%
  • Consumer Discretionary
    18%
  • Health Care
    15%
  • Financials
    8%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Industrials
    6%
  • Energy
    4%
  • Utilities
    2%
  • Basic Materials
    1%
  • Real Estate
    1%

Sector allocation reveals a strong emphasis on Technology (28%) and Consumer Cyclicals (18%), with Healthcare also having a significant presence (15%). This sectoral focus aligns with growth investing but may increase susceptibility to sector-specific risks. Broadening the sectoral coverage could enhance resilience against market shifts.

Regions Info

  • North America
    94%
  • Europe Developed
    1%

With 94% of assets allocated to North America, the portfolio's geographic exposure is highly concentrated. This concentration benefits from the robust performance of the U.S. market but limits global diversification. Expanding into more international markets could reduce geographic risk and tap into global growth opportunities.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    29%
  • Mid-cap
    14%
  • Small-cap
    2%

The portfolio's market capitalization breakdown shows a preference for Mega (48%) and Big (29%) cap stocks, which typically offer stability and steady returns. However, the limited exposure to Medium, Small, and Micro caps restricts potential for high growth rates from smaller, more agile companies.

Redundant positions Info

  • Vanguard S&P 500 ETF
    JPMorgan Nasdaq Equity Premium Income ETF
    NEOS Nasdaq 100 High Income ETF
    High correlation

The high correlation among certain ETFs suggests redundancy in the portfolio, diminishing the benefits of diversification. Reducing overlap by reallocating investments from highly correlated assets to those with lower correlations can enhance portfolio efficiency and reduce 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.

Click on the colored dots to explore allocations.

Optimizing the portfolio along the Efficient Frontier could improve the risk-return profile. This involves adjusting the asset allocation to achieve the highest expected return for a given level of risk. Prioritizing diversification and reducing overlap among correlated assets are key steps in this process.

Dividends Info

  • JPMorgan Nasdaq Equity Premium Income ETF 10.40%
  • NEOS Nasdaq 100 High Income ETF 14.20%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • UnitedHealth Group Incorporated 3.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 3.67%

The focus on high-dividend ETFs contributes positively to the portfolio's overall yield of 3.67%. This strategy provides a steady income stream, which is particularly beneficial in volatile or declining markets. However, it's important to balance yield-seeking with growth opportunities to optimize long-term returns.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • NEOS Nasdaq 100 High Income ETF 0.68%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.12%

The portfolio's total expense ratio (TER) of 0.12% is impressively low, minimizing the drag on returns. Keeping costs down is crucial for enhancing long-term investment outcomes, and this portfolio exemplifies effective cost management.

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