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Balanced portfolio with strong emphasis on US equities and moderate global exposure

Report created on Nov 4, 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 heavily weighted towards US equities, with the Vanguard Total Stock Market Index Fund Admiral Shares making up over three-quarters of the allocation. This is complemented by a modest international stock presence through the VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES and a small but significant allocation towards bonds and niche ETFs. The inclusion of a single common stock, Archer Aviation Inc, adds a speculative element to an otherwise broad-market-focused portfolio. This composition suggests a strategy aiming for growth through diversified, large-cap exposure, while attempting to hedge against market volatility with bonds and targeted ETF investments.

Growth Info

Historically, the portfolio has shown a Compound Annual Growth Rate (CAGR) of 13.27%, with a maximum drawdown of -24.82%. This performance indicates a relatively high return rate, balanced by a moderate risk profile, as evidenced by the drawdown figure. The days contributing most to the returns highlight the portfolio's sensitivity to market highs and lows. Comparing these figures to a benchmark would help contextualize the portfolio's risk-return profile further, but the data suggests a solid performance foundation.

Projection Info

Monte Carlo simulations, which use historical data to forecast potential future outcomes, project a wide range of possible performances for this portfolio. With a median projected growth of 270.5% and a significant portion of simulations showing positive returns, the forward outlook appears optimistic. However, the broad spread from the 5th to the 67th percentile underscores the inherent uncertainties in these projections. Investors should remember that such simulations offer insights, not guarantees, and past performance is not a reliable indicator of future results.

Asset classes Info

  • Stocks
    95%
  • Bonds
    4%
  • Cash
    1%

The asset class distribution is heavily skewed towards stocks (95%), with a minor allocation in bonds (4%) and a negligible cash position (1%). This allocation underscores a growth-oriented strategy but raises questions about risk mitigation, especially in market downturns. The bond allocation, while small, provides some income and volatility dampening, but the portfolio might benefit from a slightly more balanced approach to improve resilience against market swings.

Sectors Info

  • Technology
    27%
  • Financials
    15%
  • Industrials
    10%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%
  • Consumer Discretionary
    1%

Sector allocation is diversified across technology, financial services, industrials, consumer cyclicals, and healthcare, among others. This diversification helps mitigate sector-specific risks and capitalizes on growth across different economic segments. The heavy weighting in technology and financial services reflects common trends in growth-focused portfolios but also exposes the portfolio to sector-specific volatilities, such as regulatory changes or economic downturns in these sectors.

Regions Info

  • North America
    85%
  • Europe Developed
    5%
  • No data
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%
  • Australasia
    1%

The geographic allocation is predominantly North American (85%), with minimal exposure to developed Europe, emerging Asia, and other regions. This concentration benefits from the stability and growth potential of the US market but limits exposure to potential gains from emerging markets and developed economies outside North America. Broadening the international exposure could enhance diversification benefits and reduce the portfolio's vulnerability to US-centric economic cycles.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    28%
  • Mid-cap
    18%
  • Small-cap
    8%
  • Micro-cap
    4%

The market capitalization breakdown shows a preference for mega (38%) and big (28%) cap stocks, followed by medium, small, and micro caps. This skew towards larger companies is typical for investors seeking stability and lower volatility. However, the inclusion of small and micro-cap exposures, such as through the Avantis® U.S. Small Cap Value ETF, introduces growth potential albeit with higher risk. Balancing these allocations can optimize the trade-off between risk and return.

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.

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Considering the Efficient Frontier, which aims to achieve the highest possible returns for a given level of risk, this portfolio appears well-positioned but might benefit from slight adjustments. Optimizing for the Efficient Frontier involves evaluating the risk-return trade-off of each asset and adjusting allocations to improve the portfolio's overall efficiency. This process might suggest increasing diversification or rebalancing between asset classes to enhance the risk-return profile without necessarily increasing the portfolio's risk level.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Invesco QQQ Trust 0.40%
  • Vanguard Total Bond Market Index Fund Admiral Shares 3.50%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 2.10%
  • Vanguard Total Stock Market Index Fund Admiral Shares 1.10%
  • Weighted yield (per year) 1.33%

The portfolio's dividend yield stands at a total of 1.33%, with individual yields ranging from 0.40% to 3.50% across different holdings. This yield contributes to the portfolio's total return, offering a steady income stream alongside capital appreciation. For investors seeking both growth and income, maintaining a balance between high-yield and growth-focused assets is crucial. Adjusting allocations to enhance yield without compromising growth potential could further align the portfolio with the investor's objectives.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco QQQ Trust 0.20%
  • Vanguard Total Bond Market Index Fund Admiral Shares 0.04%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 0.09%
  • Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
  • Weighted costs total (per year) 0.06%

The overall portfolio cost, represented by a Total Expense Ratio (TER) of 0.06%, is impressively low, which is advantageous for long-term growth. Keeping costs minimal is crucial in maximizing net returns, especially in a diversified portfolio where the compounding effect of fees can significantly impact long-term performance. The low TER across the board indicates efficient fund selection, aligning well with best practices for cost-conscious investing.

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