This portfolio has only about 1.8 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 focus on US equities and technology sector

Report created on Aug 24, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is heavily weighted towards US equities, with a significant concentration in technology through its allocations in the Vanguard S&P 500 ETF and Invesco NASDAQ 100 ETF. The inclusion of the Avantis® U.S. Small Cap Value ETF and two American Century ETF Trust positions indicates a strategy that mixes broad market exposure with specific thematic bets. The overall composition suggests a balanced approach with a tilt towards growth, given the high percentage of assets in large-cap and technology stocks.

Growth Info

Historically, this portfolio has demonstrated impressive growth, with a Compound Annual Growth Rate (CAGR) of 24.78%. The maximum drawdown of -18.71% indicates that while the portfolio has experienced significant volatility, its overall trajectory has been upward. The days contributing to 90% of returns being concentrated in just 15.0 days highlights the impact of short-term gains, which is typical for portfolios with a heavy emphasis on growth stocks.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with the 50th percentile suggesting a 2,497.8% increase. This optimistic projection underscores the potential for high returns but should be balanced with an understanding that such simulations rely on historical data, which does not guarantee future performance. The 100% positive return rate across simulations is encouraging but should be viewed with cautious optimism.

Asset classes Info

  • Stocks
    100%

The portfolio's exclusive investment in stocks, without any bonds, cash, or alternative assets, aligns with a higher risk tolerance and a focus on capital growth. This asset class distribution supports the portfolio's potential for high returns but also exposes it to market volatility. Diversifying across different asset classes could provide a buffer against market downturns.

Sectors Info

  • Technology
    29%
  • Financials
    15%
  • Consumer Discretionary
    13%
  • Industrials
    10%
  • Telecommunications
    9%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    1%

The sectoral allocation shows a strong preference for technology, financial services, and consumer cyclicals, which are sectors known for their growth potential. However, this concentration also increases the portfolio's sensitivity to sector-specific risks. Balancing with more defensive sectors or diversifying further could mitigate these risks.

Regions Info

  • North America
    80%
  • Europe Developed
    8%
  • Japan
    3%
  • Asia Emerging
    3%
  • Asia Developed
    3%
  • Australasia
    1%
  • Latin America
    1%

With 80% of assets allocated to North America, the portfolio is heavily reliant on the performance of the US market. While this focus has historically provided strong returns, geographic diversification could reduce the impact of regional economic downturns and offer exposure to growth in other markets.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    28%
  • Mid-cap
    18%
  • Small-cap
    8%
  • Micro-cap
    5%

The emphasis on mega and big-cap stocks suggests a preference for established companies, likely contributing to the portfolio's strong historical performance. However, the inclusion of small and micro-cap stocks through the Avantis® U.S. Small Cap Value ETF adds a layer of growth potential and diversification, albeit with increased risk.

Redundant positions Info

  • Avantis® U.S. Small Cap Value ETF
    American Century ETF Trust
    High correlation
  • Invesco NASDAQ 100 ETF
    Vanguard S&P 500 ETF
    High correlation

The high correlation between certain ETFs, particularly within the technology sector, indicates overlapping investments that may not provide the intended diversification benefits. Identifying and reducing these redundancies could enhance the portfolio's risk-adjusted performance.

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.

Before optimizing, the portfolio could benefit from addressing its high correlation between certain assets. By diversifying into less correlated investments, the portfolio could achieve a more efficient risk-return profile, potentially moving closer to the Efficient Frontier.

Dividends Info

  • American Century ETF Trust 1.30%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.46%

The portfolio's average dividend yield of 1.46% contributes to its total return, providing a modest income stream in addition to capital appreciation. This yield is a byproduct of the portfolio's equity-focused strategy, balancing growth with income generation.

Ongoing product costs Info

  • American Century ETF Trust 0.20%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.14%

With a Total Expense Ratio (TER) averaging 0.14%, the portfolio is cost-efficient, maximizing the investor's return potential. The low-cost nature of these ETFs is commendable, as it supports better long-term performance by minimizing drag on returns.

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