This portfolio has only about 1.2 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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A cautious portfolio with moderate diversification and a focus on large-cap equities

Report created on Apr 8, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

The portfolio is composed of a diverse mix of assets, with a notable emphasis on stocks, which make up 65% of the allocation. Bonds account for 20%, while other assets, including ETFs and commodities, comprise 11%. Cash is a minor component at 1%. This composition aligns with a cautious risk profile, given the significant bond allocation. Compared to typical benchmarks, the portfolio is moderately diversified, but the stock-heavy allocation may expose it to equity market volatility. To enhance diversification and potentially reduce risk, consider increasing exposure to bonds or alternative assets, ensuring alignment with investment goals and risk tolerance.

Growth Info

Historically, the portfolio has delivered a strong Compound Annual Growth Rate (CAGR) of 11.10%, with a maximum drawdown of -10.37%. This performance suggests a robust growth trajectory with manageable risk, particularly for a cautious profile. The portfolio's returns are concentrated, with just eight days accounting for 90% of the gains, indicating the importance of timing and market conditions. While past performance is not indicative of future results, maintaining a diversified approach can help mitigate drawdowns. Regularly reviewing asset allocations and market conditions could further optimize returns while managing risk.

Projection Info

The Monte Carlo simulation, which uses historical data to predict future outcomes, suggests a promising outlook for the portfolio. With an annualized return of 14.30% across simulations, the portfolio shows potential for growth. However, the 5th percentile projects a -10.7% return, highlighting possible downside risk. While simulations provide valuable insights, they are not guarantees, as market conditions can change. To leverage this projection, consider maintaining diversified exposure and regularly reviewing asset performance to adjust allocations as needed, ensuring alignment with long-term objectives and risk tolerance.

Asset classes Info

  • Stocks
    65%
  • Bonds
    20%
  • Other
    11%
  • Cash
    1%

The portfolio's allocation across asset classes shows a strong focus on stocks, with 65% invested in equities. Bonds represent 20%, providing a balance between risk and stability. This allocation is typical for a moderately diversified portfolio, offering growth potential while managing risk. Compared to benchmarks, the bond allocation is relatively high, aligning with a cautious investment approach. To further enhance diversification, consider exploring alternative asset classes, such as real estate or commodities, which may offer additional risk mitigation and growth opportunities.

Sectors Info

  • Financials
    19%
  • Technology
    14%
  • Industrials
    6%
  • Health Care
    6%
  • Consumer Discretionary
    5%
  • Telecommunications
    5%
  • Utilities
    4%
  • Consumer Staples
    3%
  • Energy
    2%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Consumer Discretionary
    2%

Sector-wise, the portfolio is concentrated in financial services (19%) and technology (14%), with smaller allocations in other sectors like healthcare and consumer cyclical. This concentration aligns with common benchmarks but may increase vulnerability to sector-specific risks, such as regulatory changes or tech market volatility. A more balanced sector allocation could reduce risk and provide stability. Consider diversifying into underrepresented sectors like real estate or basic materials, which may offer growth opportunities and reduce reliance on a few dominant sectors.

Regions Info

  • North America
    59%
  • No data
    10%
  • Europe Developed
    5%
  • Japan
    2%
  • Asia Emerging
    1%
  • Asia Developed
    1%
  • Australasia
    1%

Geographically, the portfolio is heavily weighted towards North America (59%), with limited exposure to other regions. This concentration may limit diversification benefits and increase sensitivity to U.S. market fluctuations. While North America has been a strong performer, global diversification can help mitigate regional risks and capture opportunities in emerging markets. Consider increasing exposure to Europe, Asia, and other regions to enhance diversification and potentially improve risk-adjusted returns, aligning with a cautious investment strategy.

Market capitalization Info

  • Mega-cap
    29%
  • Large-cap
    15%
  • Mid-cap
    14%
  • Small-cap
    5%
  • No data
    5%
  • Micro-cap
    2%

The portfolio's market capitalization distribution shows a preference for mega-cap (29%) and big-cap (15%) stocks, which typically offer stability and lower volatility. Medium and small caps make up a smaller portion, providing growth potential but potentially higher risk. This allocation aligns with a cautious profile, favoring stability over aggressive growth. To enhance diversification, consider increasing exposure to small and medium caps, which can offer higher returns and diversification benefits, balancing the portfolio's risk-return profile and aligning with long-term goals.

Redundant positions Info

  • FIDELITY ZERO INTERNATIONAL INDEX FUND
    FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    FIDELITY GLOBAL EX U.S. INDEX FUND INSTITUTIONAL PREMIUM CLASS
    BNY Mellon International Equity ETF
    High correlation
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
    BNY Mellon US Large Cap Core Equity ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    Fidelity 500 Index Fund
    SPDR S&P 500 ETF Trust
    FIDELITY ZERO TOTAL MARKET INDEX FUND
    High correlation
  • iShares Bitcoin Trust
    Fidelity Wise Origin Bitcoin Trust
    High correlation
  • FIDELITY ZERO EXTENDED MARKET INDEX FUND
    FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS
    High correlation
  • iShares® Gold Trust Micro
    SPDR® Gold Shares
    iShares Gold Trust
    High correlation

The portfolio contains several highly correlated asset groups, such as international equity funds and large-cap growth funds. High correlation means these assets tend to move together, limiting diversification benefits during market downturns. While some correlation is expected, excessive overlap can reduce risk management effectiveness. To optimize the portfolio, consider reducing exposure to redundant assets and increasing allocation to less correlated investments, enhancing diversification and potentially improving risk-adjusted returns, aligning with a cautious investment approach.

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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The portfolio could be optimized using the Efficient Frontier, a concept that identifies the best possible risk-return ratio. Currently, the portfolio's expected return is below optimal levels at a similar risk. By adjusting asset allocations, such as reducing highly correlated assets, the portfolio can achieve a higher expected return of 10.24% at a lower risk level. This optimization focuses on the current assets, enhancing efficiency without sacrificing diversification. Regularly reassessing allocations and market conditions will ensure continued alignment with investment objectives.

Dividends Info

  • BNY Mellon International Equity ETF 1.80%
  • BNY Mellon US Large Cap Core Equity ETF 0.70%
  • Fidelity® Crypto Industry and Digital Payments ETF 1.70%
  • Fidelity Mid Cap Value Index Fund 1.00%
  • FIDELITY TELECOM AND UTILITIES FUND FIDELITY TELECOM AND UTILITIES FUND 1.60%
  • Fidelity Mid Cap Growth Index Fund 0.60%
  • FIDELITY PURITAN FUND FIDELITY PURITAN FUND 1.50%
  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.50%
  • FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 1.30%
  • UTILITIES PORTFOLIO UTILITIES PORTFOLIO 1.10%
  • Fidelity 500 Index Fund 1.10%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 3.10%
  • FIDELITY ZERO INTERNATIONAL INDEX FUND 3.10%
  • FIDELITY ZERO EXTENDED MARKET INDEX FUND 1.50%
  • FIDELITY ZERO TOTAL MARKET INDEX FUND 1.40%
  • SPDR S&P 500 ETF Trust 1.10%
  • Vanguard S&P 500 Value Index Fund ETF Shares 1.90%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.50%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares 2.60%
  • Invesco S&P MidCap Momentum ETF 0.30%
  • Weighted yield (per year) 1.20%

The portfolio's dividend yield stands at 1.20%, with notable contributions from bond funds and select equity ETFs. Dividends provide a steady income stream, aligning with a cautious investment profile focused on stability and income. While the yield is modest, it complements growth-oriented investments, offering a balanced approach. To enhance income, consider increasing allocation to high-dividend sectors or funds, ensuring alignment with risk tolerance and long-term goals. Regularly reviewing dividend policies and market conditions can help maintain a stable income stream.

Ongoing product costs Info

  • BNY Mellon International Equity ETF 0.04%
  • Fidelity® Crypto Industry and Digital Payments ETF 0.39%
  • FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • Fidelity 500 Index Fund 0.02%
  • SPDR® Gold Shares 0.40%
  • iShares Gold Trust 0.25%
  • iShares® Gold Trust Micro 0.09%
  • iShares Bitcoin Trust 0.12%
  • iShares Silver Trust 0.50%
  • SPDR S&P 500 ETF Trust 0.10%
  • Vanguard S&P 500 Value Index Fund ETF Shares 0.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares 0.04%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.05%

The portfolio's total expense ratio (TER) is impressively low at 0.05%, indicating cost efficiency. Low costs are crucial for long-term performance, as they preserve more of the portfolio's returns. This alignment with best practices supports better outcomes over time. While current costs are favorable, regularly reviewing fund fees and exploring lower-cost alternatives can further enhance returns. Maintaining a focus on cost efficiency while balancing quality and diversification will ensure the portfolio remains aligned with financial goals.

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