This portfolio has only about 1.6 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 strong growth potential and diversified asset allocation

Report created on Aug 13, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio presents a well-balanced mix of equity ETFs, including broad market, international, small-cap value, and sector-specific funds, alongside a notable allocation to a cryptocurrency trust. This diversified approach, with a 25% stake each in both domestic and international broad market ETFs, underpins its classification as highly diversified. The inclusion of both growth-oriented and value-focused assets, along with a significant tilt towards technology and financial services sectors, indicates a strategic blend aimed at capitalizing on market trends and potential valuation opportunities.

Growth Info

Historically, the portfolio has exhibited a remarkable Compound Annual Growth Rate (CAGR) of 27.13%, with a maximum drawdown of -17.69%. This performance highlights its resilience and ability to recover from market downturns, offering a compelling case for its growth potential. However, it's essential to note that such high returns come with inherent risks, and past performance is not a reliable indicator of future results. The concentrated days contributing to most returns suggest volatility that investors should be prepared for.

Projection Info

Monte Carlo simulations project a wide range of outcomes for this portfolio, with a median increase of 4,908.8%, showcasing its potential for substantial growth. These projections, while optimistic, are based on historical data and should be viewed with caution. They underscore the portfolio's growth potential but also highlight the importance of understanding the variability and risks involved in such projections.

Asset classes Info

  • Stocks
    89%
  • Other
    10%
  • Cash
    1%

The portfolio's composition, with 89% in stocks and a small allocation to alternative investments and cash, is aligned with its balanced risk profile. This asset class distribution supports a growth-oriented strategy while maintaining a cushion against market volatility. Diversifying across asset classes can help mitigate risks and smooth out returns over time, and this portfolio's structure is conducive to achieving these objectives.

Sectors Info

  • Technology
    20%
  • Financials
    19%
  • Industrials
    11%
  • Consumer Discretionary
    10%
  • Telecommunications
    8%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector allocation reveals a strong emphasis on technology and financial services, comprising 39% of the portfolio. This concentration in high-growth sectors could drive performance but also increases susceptibility to sector-specific risks. Diversifying across a broader range of sectors can help reduce volatility and provide a more stable return profile, especially during times of economic uncertainty or sector downturns.

Regions Info

  • North America
    58%
  • Europe Developed
    16%
  • Japan
    5%
  • Asia Emerging
    4%
  • Asia Developed
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is heavily weighted towards North America (58%), with significant exposures to developed Europe and a modest allocation to emerging markets. This distribution reflects a conservative approach to international diversification, potentially limiting exposure to high-growth opportunities in emerging economies. Expanding geographic diversification could enhance returns and reduce region-specific risks.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    25%
  • Mid-cap
    12%
  • Small-cap
    7%
  • Micro-cap
    6%

The market capitalization breakdown shows a balanced approach, with a focus on mega and big-cap companies, which tend to be more stable and less volatile. However, the inclusion of small and micro-cap stocks, albeit in smaller proportions, introduces growth potential and diversification benefits. Adjusting the balance between market caps can tailor the portfolio's risk and return profile to the investor's preferences.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    Invesco S&P 500® Momentum ETF
    High correlation

The high correlation among certain assets, particularly within the U.S. equity space, suggests redundancy that may not contribute to diversification benefits. This redundancy can increase portfolio risk without necessarily enhancing returns. Identifying and reducing overlapping exposures can improve the portfolio's overall 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.

Optimizing the portfolio involves addressing the identified high correlations among certain ETFs to reduce overlap and enhance diversification benefits. This process, guided by the Efficient Frontier concept, aims to achieve the best possible risk-return ratio by adjusting asset allocations. It's a strategic step towards refining the portfolio's composition to better align with the investor's risk tolerance and return expectations.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Invesco S&P International Developed Momentum ETF 2.00%
  • Invesco NASDAQ 100 ETF 0.50%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.48%

Dividend yields across the portfolio vary, contributing to its income generation alongside capital appreciation. The average yield of 1.48% adds a steady income stream, which can be reinvested to compound growth or provide liquidity. For income-focused investors, rebalancing towards higher-yielding assets could enhance the portfolio's income component without significantly altering its risk profile.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Invesco S&P 500® Momentum ETF 0.13%
  • 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) 0.12%

The portfolio's overall expense ratio of 0.12% is impressively low, enhancing net returns over time. Lower costs are crucial for long-term investment success, as even small differences in fees can have a significant impact on wealth accumulation. This cost efficiency is a strong aspect of the portfolio, supporting better long-term performance.

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