A balanced and moderately diversified portfolio with a strong tilt towards technology and precious metals

Report created on Aug 11, 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 equity ETFs, with 60% invested in two of the largest and most well-known ETFs that track the NASDAQ 100 and the S&P 500. This signifies a strong bias towards US equities, particularly in the technology sector. The remaining 40% is divided equally between precious metals (gold and silver) and international stocks, along with a focus on dividend-yielding equities. This composition suggests an attempt to balance growth potential with a degree of hedging against market volatility through precious metals and dividends.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 14.52%, with a maximum drawdown of -25.49%. This performance indicates a relatively high return compared to the risk taken, as evidenced by the portfolio's risk score of 4 out of 7. The days contributing most to the returns highlight the portfolio's potential for significant gains in short periods, likely due to its heavy tech exposure.

Projection Info

Using Monte Carlo simulations, the portfolio shows a wide range of potential future outcomes, with a median increase of 423.8%. This projection, based on historical data, suggests strong growth potential but also underscores the importance of considering the inherent uncertainty in such forecasts. These simulations do not guarantee future results but provide a useful tool for assessing potential risk and return.

Asset classes Info

  • Stocks
    80%
  • Other
    20%

The asset class distribution, with 80% in stocks and 20% in "Other" (primarily precious metals), points towards a growth-oriented strategy with a non-traditional hedge against market downturns. While stocks offer the potential for high returns, the inclusion of gold and silver can serve to mitigate some risk, especially during times of inflation or currency devaluation.

Sectors Info

  • Technology
    28%
  • Consumer Discretionary
    9%
  • Telecommunications
    9%
  • Financials
    7%
  • Health Care
    7%
  • Industrials
    6%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

The sectoral allocation reveals a heavy emphasis on technology, followed by consumer cyclicals and communication services. This sector distribution aligns with the NASDAQ 100 and S&P 500's compositions, reflecting a bet on the continued growth of tech and digital communication. However, this focus also introduces sector-specific risks, such as higher volatility during economic downturns or interest rate hikes.

Regions Info

  • North America
    70%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%

Geographically, the portfolio is heavily weighted towards North America (70%), with minimal exposure to developed Europe, Asia, and other regions. This concentration in the US market, while beneficial during periods of strong domestic performance, may limit potential gains from global economic growth and diversification benefits.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    29%
  • Mid-cap
    14%
  • No data
    10%
  • Small-cap
    1%

The market capitalization breakdown shows a preference for mega and big-cap stocks, which constitute 64% of the portfolio. This preference suggests a focus on stability and established companies, though it may also limit exposure to the potentially higher growth rates of smaller firms.

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.

Considering the Efficient Frontier, the portfolio appears to be positioned towards the higher end of the risk-return spectrum. While it may not be the most efficient in terms of diversification, its current allocation aligns with a balanced profile that seeks growth while incorporating elements of risk management through precious metals and dividend-yielding stocks.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.17%

The dividend yield across the portfolio averages to 1.17%, with the Schwab U.S. Dividend Equity ETF providing the highest yield. This yield contributes to the portfolio's total return, offering a buffer during market volatility and a source of income. However, the focus on growth over high dividend yield suggests a preference for capital appreciation.

Ongoing product costs Info

  • SPDR® Gold Shares 0.40%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • iShares Silver Trust 0.50%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.16%

The portfolio's overall expense ratio is relatively low at 0.16%, which is advantageous for long-term growth as lower costs translate directly into higher net returns. The range of expense ratios from 0.03% to 0.50% across different ETFs reflects a thoughtful selection aimed at minimizing costs while achieving desired exposure.

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