This portfolio has only about 1.6 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.

Balanced portfolio with a strong tilt towards technology and US markets

Report created on Aug 7, 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 primarily consists of ETFs, with a significant 50% allocation to the Vanguard Total Stock Market Index Fund ETF Shares. This, along with other specific ETFs like the Invesco NASDAQ 100 and the Invesco S&P 500® Momentum ETF, indicates a strong emphasis on US equities. The inclusion of international ETFs and a Bitcoin trust diversifies the portfolio, but the heavy weighting towards technology and US markets is evident. This composition suggests an attempt to balance growth potential with some level of diversification across geographies and asset classes.

Growth Info

Historical performance shows a remarkable Compound Annual Growth Rate (CAGR) of 25.01%, with a maximum drawdown of -18.45%. This performance, particularly the high CAGR, is impressive, highlighting the portfolio's ability to generate significant returns. However, the max drawdown indicates periods of considerable volatility. It's important to note that past performance is not indicative of future results, and high returns often come with increased risk.

Projection Info

Monte Carlo simulations, based on historical data, suggest a wide range of potential outcomes, with a median projected growth of 5,055.1%. While these simulations offer a glimpse into potential future performance, they are inherently uncertain and rely on past data, which may not predict future market conditions accurately. Investors should consider these projections as one of many tools in assessing portfolio potential, not a guaranteed outcome.

Asset classes Info

  • Stocks
    94%
  • Other
    5%
  • Cash
    1%

The portfolio's asset allocation is heavily skewed towards stocks (94%), with a minimal allocation to other assets and cash. This high equity exposure aligns with the portfolio's growth orientation but also increases its vulnerability to market volatility. Diversifying across more asset classes, such as bonds or real estate, could provide additional stability during market downturns.

Sectors Info

  • Technology
    28%
  • Financials
    13%
  • Consumer Discretionary
    11%
  • Industrials
    10%
  • Telecommunications
    9%
  • Health Care
    7%
  • Consumer Staples
    6%
  • Basic Materials
    3%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%

With 28% in technology and significant investments in financial services and consumer cyclicals, the portfolio is positioned to benefit from growth in these dynamic sectors. However, this concentration also exposes it to sector-specific risks, such as regulatory changes or economic cycles affecting consumer spending. Diversifying across a broader range of sectors could mitigate some of these risks.

Regions Info

  • North America
    76%
  • Europe Developed
    9%
  • Japan
    4%
  • Asia Emerging
    2%
  • Asia Developed
    1%
  • Australasia
    1%
  • Africa/Middle East
    1%

The geographic allocation heavily favors North America (76%), with modest exposure to developed Europe and Japan. Emerging markets are underrepresented, which may limit the portfolio's exposure to high-growth regions. Increasing allocations to emerging markets could enhance growth potential and diversification, albeit with added risk.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    28%
  • Mid-cap
    18%
  • Small-cap
    6%
  • Micro-cap
    1%

The focus on mega (40%) and big-cap (28%) stocks suggests a preference for established, lower-volatility companies. While this can offer stability, the relatively smaller allocation to medium, small, and micro-cap stocks may limit exposure to high-growth potential firms. Balancing market cap exposure could optimize growth and risk.

Redundant positions Info

  • Avantis® International Small Cap Value ETF
    Avantis® International Equity ETF
    Vanguard Total International Stock Index Fund ETF Shares
    High correlation
  • Vanguard Total Stock Market Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    Invesco S&P 500® Momentum ETF
    High correlation

The portfolio contains highly correlated asset groups, particularly among international ETFs and US equity ETFs. This redundancy may dilute the diversification benefits. Identifying and reducing overlapping investments could enhance the portfolio's risk-adjusted performance by ensuring each asset contributes uniquely to diversification.

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.

The portfolio's current risk-return profile could be optimized by addressing the high correlation among some assets. By diversifying more effectively across uncorrelated assets, the portfolio could achieve a better position on the Efficient Frontier, enhancing returns for a given level of risk. This optimization process requires careful selection to maintain growth potential while improving diversification.

Dividends Info

  • Avantis® International Equity ETF 2.80%
  • Avantis® International Small Cap Value ETF 3.70%
  • Invesco NASDAQ 100 ETF 0.50%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.34%

The overall dividend yield of 1.34% contributes to the portfolio's total return, with international ETFs offering higher yields than their US counterparts. While dividends are a valuable income source, the portfolio's growth orientation suggests a primary focus on capital appreciation. Investors should consider their income needs and growth goals when assessing dividend strategies.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Avantis® International Small Cap Value ETF 0.36%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.10%

The portfolio's total expense ratio (TER) of 0.10% is impressively low, enhancing long-term return potential by minimizing costs. This efficiency is crucial for maximizing compounding effects over time. Keeping costs low while achieving desired diversification and growth targets is a key aspect of successful long-term investing.

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