This portfolio has only about 1.3 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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Balanced and diversified portfolio with a focus on dividends and global exposure

Report created on May 8, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification
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Positions

The portfolio is highly diversified, with a strategic mix of asset classes including stocks, bonds, real estate, and a small allocation to cash and other investments. This broad allocation across 73% stocks, 7% bonds, 6% real estate, and other categories demonstrates a balanced approach to asset allocation. The inclusion of both domestic and international ETFs, covering various sectors and geographic regions, enhances this diversification. This structure is well-suited for mitigating risk while aiming for consistent returns over the long term.

Growth Info

Historically, the portfolio has delivered a Compound Annual Growth Rate (CAGR) of 16.49%, with a maximum drawdown of -11.44%. This performance, characterized by relatively high growth and moderate drawdowns, suggests resilience in varied market conditions. The days contributing most to returns indicate that significant gains are concentrated in specific periods, highlighting the importance of staying invested over the long term to capture these peaks.

Projection Info

Monte Carlo simulations, which use historical data to forecast a range of possible outcomes, suggest a wide dispersion in potential future portfolio values. With 999 out of 1,000 simulations showing positive returns, the median projected increase is substantial. However, it's crucial to remember that these projections are based on past performance, which is not a reliable indicator of future results. The simulations provide a useful, albeit theoretical, guide to understanding potential volatility and growth.

Asset classes Info

  • Stocks
    73%
  • Other
    11%
  • Bonds
    7%
  • Real Estate
    6%
  • Cash
    3%

The portfolio's asset class distribution underscores a focus on equity (73%) with a strategic allocation to bonds (7%), real estate (6%), and a small cash reserve (3%). This blend aims to balance growth through equities with the stability offered by bonds and real assets. The equity-heavy approach is appropriate for investors with a moderate risk tolerance, seeking growth over the medium to long term, while the bond and real estate components offer potential income and diversification benefits.

Sectors Info

  • Financials
    17%
  • Industrials
    15%
  • Utilities
    8%
  • Real Estate
    7%
  • Energy
    6%
  • Consumer Discretionary
    4%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Technology
    3%
  • Health Care
    3%
  • Telecommunications
    2%

Sector allocation reveals a strong emphasis on financial services and industrials, constituting 32% of the portfolio. This focus aligns with seeking growth and income, as these sectors often include companies with the potential for dividends and capital appreciation. However, the technology sector's relatively low allocation (3%) might limit exposure to high-growth opportunities. Balancing sector allocations can help capture growth across different market cycles and economic conditions.

Regions Info

  • North America
    45%
  • Europe Developed
    10%
  • Asia Emerging
    7%
  • Latin America
    7%
  • Asia Developed
    7%
  • Australasia
    2%
  • Japan
    1%

Geographic allocation shows a significant emphasis on North America (45%), with meaningful exposure to emerging markets and developed international markets. This geographic spread supports diversification, reducing the portfolio's vulnerability to region-specific economic downturns. However, the relatively lower allocation to high-growth emerging markets like Asia Emerging (7%) and Latin America (7%) suggests an opportunity to enhance growth potential by increasing exposure to these regions.

Market capitalization Info

  • Large-cap
    26%
  • Mega-cap
    20%
  • Mid-cap
    18%
  • Small-cap
    9%
  • No data
    6%
  • Micro-cap
    5%

The market capitalization breakdown indicates a balanced approach, with allocations to big (26%), mega (20%), and medium (18%) cap stocks. This mix supports stability through large-cap stocks while maintaining growth potential via medium-cap stocks. However, the small (9%) and micro (5%) cap allocations, alongside a 6% in unknown caps, suggest room for refinement to ensure these smaller allocations effectively contribute to the portfolio's risk-return profile.

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.

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The portfolio's current risk-return profile is well-positioned on the Efficient Frontier, indicating an optimal balance between risk and expected return at its current risk level. The analysis suggests that an even more efficient portfolio could achieve an expected return of 11.15% at a slightly lower risk level of 2.91%. Adjusting asset allocations to align more closely with this optimal mix could enhance portfolio performance without significantly increasing risk.

Dividends Info

  • Invesco DB Agriculture Fund 4.00%
  • iShares MSCI Singapore ETF 3.80%
  • iShares MSCI Brazil ETF 7.30%
  • iShares International Select Dividend ETF 5.30%
  • iShares U.S. Infrastructure ETF 2.00%
  • iShares Global Infrastructure ETF 2.90%
  • iShares MSCI India ETF 0.80%
  • iShares Global Tech ETF 0.50%
  • SPDR® S&P Capital Markets ETF 1.70%
  • Global X Russell 2000 Covered Call 13.30%
  • Schwab U.S. Dividend Equity ETF 4.10%
  • Vanguard Real Estate Index Fund ETF Shares 4.10%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares 2.80%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 4.30%
  • Industrial Select Sector SPDR® Fund 1.40%
  • Weighted yield (per year) 3.46%

The portfolio's focus on dividend-yielding ETFs, with a total yield of 3.46%, underscores its income-generating potential. High-dividend ETFs, especially in sectors like real estate and high dividend international funds, contribute to this yield. For investors seeking income alongside capital appreciation, maintaining a balance between high-yield and growth-oriented investments is crucial to support overall portfolio performance.

Ongoing product costs Info

  • Invesco DB Agriculture Fund 0.85%
  • iShares MSCI Singapore ETF 0.50%
  • iShares MSCI Brazil ETF 0.59%
  • SPDR® Gold Shares 0.40%
  • iShares International Select Dividend ETF 0.51%
  • iShares U.S. Infrastructure ETF 0.30%
  • iShares Global Infrastructure ETF 0.41%
  • iShares MSCI India ETF 0.65%
  • iShares Global Tech ETF 0.41%
  • SPDR® S&P Capital Markets ETF 0.35%
  • Global X Russell 2000 Covered Call 0.60%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares 0.04%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Industrial Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.35%

Total Expense Ratio (TER) averaging 0.35% across the portfolio is relatively low, enhancing net returns for investors. Lower costs are particularly beneficial over the long term, as they compound alongside investment returns. Continuously monitoring and minimizing investment costs remains a key strategy for maximizing portfolio efficiency.

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