Balanced and broadly diversified portfolio with a strong focus on stocks and global exposure

Report created on Jun 8, 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 primarily invests in a mix of U.S. large-cap stocks, international equities, and U.S. small-cap stocks, with allocations of 60%, 30%, and 10% respectively. Its composition reflects a strategic balance between domestic and international markets, favoring well-established companies while also incorporating growth potential from smaller firms. This diversified approach aims to capture market growth across different economies and sectors, mitigating risks associated with market volatility.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 11.54%, the portfolio has shown robust growth over time. The maximum drawdown of -34.58% indicates a period of significant value decrease, which is an important risk measure. The days contributing most to returns highlight the impact of market timing on performance. Compared to the benchmark, this performance suggests a healthy balance of risk and return, aligning with the portfolio's balanced risk classification.

Projection Info

Using Monte Carlo simulations, the portfolio's forward projection offers a range of potential outcomes based on historical data. While past performance is not indicative of future results, these simulations help visualize risk and return possibilities. The median projection of a 243% increase suggests optimism, but the wide range between the 5th and 67th percentiles underscores market uncertainty.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is heavily weighted towards stocks (99%), with a minimal cash holding (1%). This stock-dominant strategy aligns with the portfolio's goal of capital growth over time. However, the lack of bonds or other asset classes may limit opportunities for risk reduction during market downturns.

Sectors Info

  • Technology
    24%
  • Financials
    17%
  • Industrials
    11%
  • Consumer Discretionary
    11%
  • Health Care
    10%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    3%
  • Real Estate
    3%
  • Utilities
    3%

Sector allocation is well-diversified, with technology and financial services leading. This sector spread is in line with broad market trends, though the heavy tech weighting may expose the portfolio to higher volatility given the sector's rapid growth and occasional sharp corrections. Balancing sector exposure can mitigate risk while capturing growth across different market cycles.

Regions Info

  • North America
    72%
  • Europe Developed
    12%
  • Asia Emerging
    5%
  • Japan
    5%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic allocation emphasizes North American and developed European markets, with smaller exposures to emerging markets in Asia and other regions. This distribution leverages stability and growth in established markets while tapping into the growth potential of emerging economies. However, the modest allocation to emerging markets might limit exposure to high-growth opportunities.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    30%
  • Mid-cap
    19%
  • Small-cap
    8%
  • Micro-cap
    1%

The market capitalization breakdown shows a preference for mega and large-cap companies, which typically offer stability and steady growth. Medium, small, and micro-cap stocks, although riskier, provide growth potential. This blend supports a balanced risk-return profile, crucial for long-term wealth accumulation.

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.

Considering the Efficient Frontier, the portfolio's current allocation appears to balance risk and return effectively. However, ongoing review and adjustment can ensure it remains optimized against changing market conditions and personal financial goals. Diversification beyond stocks and slight adjustments in sector and geographic exposure could further enhance risk-adjusted returns.

Dividends Info

  • Vanguard Small-Cap Index Fund ETF Shares 1.40%
  • Vanguard S&P 500 ETF 1.30%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.79%

The portfolio's dividend yield of 1.79% contributes to its total return, offering a steady income stream alongside capital appreciation. This yield, while modest, is complemented by the growth potential of the underlying investments. For income-focused investors, revisiting the dividend strategy could enhance yield without significantly increasing risk.

Ongoing product costs Info

  • Vanguard Small-Cap Index Fund ETF Shares 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

With a total expense ratio (TER) of 0.04%, the portfolio benefits from low costs, maximizing the potential for net returns. This cost efficiency is crucial for long-term growth, as even small differences in fees can significantly impact investment outcomes over time.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey