This portfolio has only about 1.1 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.
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Strategically diversified portfolio with a cautious profile and innovative asset inclusion

Report created on Aug 19, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio presents a balanced mix of equity and fixed income ETFs, alongside exposure to alternative assets like cryptocurrencies. The largest allocation is towards a retirement-targeted fund, indicating a focus on long-term, age-based asset allocation. The inclusion of both broad market and specialized ETFs, such as those focusing on dividends and momentum strategies, suggests an attempt to blend growth with income and volatility mitigation. This composition aligns with a cautious risk profile, aiming to achieve moderate growth while managing downside risk.

Growth Info

Historically, the portfolio has demonstrated robust performance with a Compound Annual Growth Rate (CAGR) of 14.97%. The maximum drawdown was limited to -10.80%, indicating resilience during market downturns. This performance, particularly the days contributing to 90% of returns, underscores the portfolio's ability to capture significant gains on its best days. However, investors should remember that past performance is not always indicative of future results, and this high return rate may not be sustainable indefinitely.

Projection Info

The Monte Carlo simulation, utilizing 1,000 trials, forecasts a wide range of potential outcomes, from a 5th percentile growth of 209.6% to a 67th percentile at 2,695.3%. This suggests a high degree of variability but a strong likelihood of positive returns. The simulation's average annualized return of 25.97% appears optimistic, highlighting the portfolio's potential for significant growth. However, it's crucial to note that these projections are based on historical data, which may not fully predict future market conditions.

Asset classes Info

  • Stocks
    47%
  • Bonds
    20%
  • Cash
    7%
  • Other
    3%
  • No data
    2%

The portfolio's asset class distribution, with 47% in stocks, 20% in bonds, and smaller allocations to cash and other investments, reflects a balanced approach to risk and return. This allocation supports the portfolio's cautious risk profile, leveraging bonds and cash to buffer against stock market volatility. Adjusting this mix could further tailor the portfolio to specific risk tolerance and investment horizon needs.

Sectors Info

  • Technology
    13%
  • Financials
    8%
  • Industrials
    6%
  • Consumer Discretionary
    6%
  • Telecommunications
    5%
  • Health Care
    3%
  • Consumer Staples
    2%
  • Basic Materials
    2%
  • Energy
    2%
  • Utilities
    1%
  • Real Estate
    1%

Sector allocations within this portfolio are diversified, with a heavier emphasis on technology and financial services. This sectoral composition is reflective of current market trends but may expose the portfolio to sector-specific risks, such as regulatory changes or economic downturns in these industries. Diversifying further into underrepresented sectors could provide additional stability and growth opportunities.

Regions Info

  • North America
    21%
  • Europe Developed
    7%
  • Asia Emerging
    3%
  • Asia Developed
    2%
  • Japan
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

The geographic distribution shows a significant weighting towards North America and developed European markets, with modest exposure to emerging markets in Asia and other regions. This geographic spread balances stability with growth potential but may limit exposure to high-growth emerging markets. Considering a slight increase in emerging market exposure could enhance long-term growth prospects while maintaining a cautious risk profile.

Market capitalization Info

  • Mega-cap
    22%
  • Large-cap
    15%
  • Mid-cap
    7%
  • Small-cap
    1%

The portfolio's market capitalization exposure leans heavily towards mega and large-cap stocks, which tend to be more stable and less volatile than their smaller counterparts. This is consistent with a cautious investment strategy. However, incorporating a modest allocation to mid and small-cap stocks could improve diversification and potential for higher returns, albeit with added risk.

Redundant positions Info

  • American Century ETF Trust
    Dimensional International Value ETF
    High correlation
  • JPMorgan Nasdaq Equity Premium Income ETF
    Schwab U.S. Large-Cap Growth ETF
    Invesco S&P 500® Momentum ETF
    High correlation
  • Vanguard Total World Stock Index Fund ETF Shares
    T. ROWE PRICE RETIREMENT 2035 FUND T. ROWE PRICE RETIREMENT 2035 FUND
    High correlation

Analysis reveals high correlation within certain asset groups, suggesting redundancy and limited diversification benefits. For example, the overlap between certain ETFs indicates a concentration in similar stocks or sectors. Reducing overlapping assets and introducing more uncorrelated investments could enhance portfolio diversification and risk management.

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 can be optimized for efficiency by addressing its correlated assets, which currently limit diversification benefits. By reallocating from overlapping to more complementary assets, the portfolio could achieve a higher expected return of 4.70% at the same level of risk. This optimization process underscores the importance of diversification, not just across asset classes but within them, to maximize risk-adjusted returns.

Dividends Info

  • American Century ETF Trust 2.90%
  • Dimensional ETF Trust - Dimensional Emerging Markets Value ETF 3.00%
  • Dimensional International Value ETF 3.20%
  • Invesco S&P International Developed Momentum ETF 1.90%
  • JPMorgan Nasdaq Equity Premium Income ETF 11.10%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab Long-Term U.S. Treasury ETF 4.60%
  • Schwab Strategic Trust 7.10%
  • iShares® 0-3 Month Treasury Bond ETF 4.40%
  • Global X Funds 0.20%
  • Invesco S&P 500® Momentum ETF 0.60%
  • T. ROWE PRICE RETIREMENT 2035 FUND T. ROWE PRICE RETIREMENT 2035 FUND 1.60%
  • Vanguard Intermediate-Term Treasury Index Fund ETF Shares 3.80%
  • Vanguard Core Plus Bond ETF 4.60%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Weighted yield (per year) 3.57%

The portfolio's dividend yield averages 3.57%, contributing to its income generation alongside capital appreciation. This yield is a mix of high dividend ETFs and lower-yielding growth-oriented funds. For investors prioritizing income, rebalancing towards higher-yielding assets could increase cash flow without significantly altering the portfolio's risk profile.

Ongoing product costs Info

  • American Century ETF Trust 0.31%
  • Dimensional ETF Trust - Dimensional Emerging Markets Value ETF 0.43%
  • Dimensional International Value ETF 0.27%
  • SPDR Gold Mini Shares 0.10%
  • iShares Bitcoin Trust 0.12%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab Long-Term U.S. Treasury ETF 0.03%
  • Schwab Strategic Trust 0.03%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • Global X Funds 0.50%
  • Invesco S&P 500® Momentum ETF 0.13%
  • T. ROWE PRICE RETIREMENT 2035 FUND T. ROWE PRICE RETIREMENT 2035 FUND 0.59%
  • Vanguard Intermediate-Term Treasury Index Fund ETF Shares 0.04%
  • Vanguard Core Plus Bond ETF 0.20%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • iShares Ethereum Trust ETF 0.25%
  • Weighted costs total (per year) 0.26%

The Total Expense Ratio (TER) averages 0.26%, which is relatively low, indicating cost efficiency in the portfolio's construction. Keeping costs low is vital for enhancing long-term returns, as even small differences in fees can compound significantly over time. This portfolio's cost structure is well-managed, supporting better performance net of fees.

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