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.

Balanced and highly diversified portfolio with a strategic blend of stocks, ETFs, and a touch of crypto

Report created on Jul 22, 2025

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This portfolio showcases a strategic composition with a significant emphasis on ETFs, particularly in the stock market, both domestically and internationally, constituting 70% of the total. The inclusion of a dividend-focused ETF and a small, yet noteworthy allocation to cryptocurrency via the iShares Bitcoin Trust, alongside a conservative position in short-term treasury bonds, illustrates a balanced approach to risk and growth. This diversification across asset classes and sectors underpins the portfolio's resilience and potential for both capital appreciation and income generation.

Growth Info

Historically, the portfolio has demonstrated strong performance with a Compound Annual Growth Rate (CAGR) of 22.97%, which is quite impressive. The maximum drawdown, a measure of the largest single drop from peak to bottom in the portfolio's value, was limited to -16.89%. This indicates not only growth but also a reasonable control of downside risk, likely attributed to the diversified nature of the investments. However, it's important to remember that past performance is not always indicative of future results.

Projection Info

The Monte Carlo simulation, which projects future performance based on historical data, suggests a wide range of outcomes with the median scenario showing a substantial increase. This analysis, while useful for understanding potential volatility and outcomes, is inherently limited by its reliance on past trends which may not accurately predict future market conditions. Therefore, while the projections are optimistic, they should be considered as one of many tools in investment decision-making.

Asset classes Info

  • Stocks
    84%
  • Other
    10%
  • Cash
    6%

With 84% of the portfolio allocated to stocks, the focus is clearly on growth through equity investments. The inclusion of a 10% allocation to 'Other', represented by the iShares Bitcoin Trust, introduces an alternative investment component, potentially enhancing returns but also adding volatility. The small cash-like allocation through short-term treasury bonds offers liquidity and a buffer against market downturns, though its impact on overall portfolio performance is limited.

Sectors Info

  • Technology
    20%
  • Financials
    13%
  • Industrials
    9%
  • Health Care
    9%
  • Consumer Discretionary
    9%
  • Consumer Staples
    7%
  • Telecommunications
    6%
  • Energy
    5%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

The sectoral distribution within this portfolio leans heavily towards technology, financial services, and industrials, which are sectors known for their growth potential. However, this concentration also exposes the portfolio to sector-specific risks, such as regulatory changes or economic cycles affecting these industries more than others. Diversifying across a broader range of sectors could mitigate such risks while still capturing growth opportunities.

Regions Info

  • North America
    66%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

The geographic allocation is predominantly in North America, with minor exposures to developed Europe, Asia, and other regions. This concentration in developed markets, particularly the U.S., aligns with the portfolio's balanced risk profile but may limit exposure to high-growth emerging markets. Increasing international diversification could offer additional growth opportunities and reduce the impact of regional economic downturns.

Market capitalization Info

  • Large-cap
    30%
  • Mega-cap
    29%
  • Mid-cap
    18%
  • Small-cap
    5%
  • Micro-cap
    1%

The market capitalization breakdown reveals a balanced approach, with a slight preference for large-cap (big and mega) companies, which tend to be more stable and less volatile than their smaller counterparts. However, the relatively lower allocation to small and micro-cap stocks may limit potential high-growth opportunities these segments can offer, albeit with higher 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.

The Efficient Frontier analysis suggests that the portfolio's current risk-return profile could be optimized further. While the portfolio already performs well, adjusting the asset allocation could potentially achieve a higher expected return for the same level of risk. This optimization process involves rebalancing the portfolio to align more closely with the investor's risk tolerance and return expectations, without necessarily increasing exposure to risk.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.80%
  • iShares® 0-3 Month Treasury Bond ETF 4.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.96%

The dividend yield component of the portfolio, primarily contributed by the Schwab U.S. Dividend Equity ETF and the treasury bond ETF, underscores a focus on generating income alongside capital appreciation. This balanced approach supports the portfolio's suitability for investors seeking both growth and income, though the overall yield could be optimized further to enhance income generation without significantly increasing risk.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • 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) 0.05%

The portfolio's costs are impressively low, with a total expense ratio (TER) averaging 0.05%. This efficiency in cost management enhances net returns over the long term, as lower costs directly translate to higher investor returns. Continuously monitoring and minimizing investment costs remains a prudent strategy for maximizing portfolio performance.

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