This portfolio has only about 8 months 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.

Inflation focused diversified portfolio tilted to real assets value and momentum factors

Report created on Mar 25, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio mixes roughly 62% stocks, 20% cash and 16% “other” assets with almost no bonds. “Other” here is largely commodities and precious metals exposure, which stands out compared with typical balanced allocations. Several ETFs focus on gold, broader precious metals, agriculture, and inflation protection, while equities are spread across themes like energy, healthcare, infrastructure, small-cap value, and emerging markets. This structure leans toward real assets and equity risk rather than traditional bond-heavy ballast. For someone aiming to protect purchasing power over time, that real‑asset tilt is a clear positive, but it also means returns will likely feel more “equity-like” and bumpier than a classic 60/40 mix when markets get rough.

Growth Info

Since August 2025, the hypothetical $1,000 grew to $1,244, with a compound annual growth rate (CAGR) of 35.43%. CAGR is the “average speed” of growth per year, smoothing the ups and downs. Over the same period, the US market and global market sat far lower, at 7.82% and 11.69% CAGR. The portfolio’s max drawdown of -7.50% (worst peak‑to‑trough drop) is only slightly worse than the US benchmark and milder than global, which is impressive given the high return. However, this is a short window; past performance over just a few months can be heavily luck‑driven, so it’s wise not to assume this pace will persist.

Projection Info

The Monte Carlo projection uses many random “what if” paths based on recent return and volatility patterns to estimate future ranges. It’s like simulating 1,000 alternate market histories and seeing where a $1,000 investment might land after 10 years. Here, median outcomes show enormous cumulative gains and all simulations end positive, which looks exciting but is heavily driven by the very strong and short live performance period. With only about 160 data points (less than two years), the model likely overstates both expected returns and consistency. It’s better to treat these numbers as a rough, optimistic scenario rather than something to bank on when planning long‑term goals.

Asset classes Info

  • Stocks
    62%
  • Cash
    20%
  • Other
    16%
  • Bonds
    1%

Asset‑class allocation is quite unorthodox for a “Balanced” risk profile: roughly three‑fifths in equities, one‑fifth in cash, mid‑teens in commodities/other, and just 1% in bonds. Traditional balanced setups often rely on bonds as the main stabilizer, while this portfolio uses cash and real assets instead. Commodities and precious metals can hedge inflation and sometimes zig when stocks zag, but they can also be volatile and cyclical. The sizeable cash allocation is a stabilizer and optionality source but drags long‑term returns if left permanently idle. Clarifying whether that 20% cash is strategic dry powder or temporary can help align the mix with longer‑term intentions.

Sectors Info

  • Technology
    16%
  • Energy
    9%
  • Industrials
    8%
  • Health Care
    8%
  • Utilities
    6%
  • Basic Materials
    5%
  • Financials
    4%
  • Consumer Staples
    4%
  • Consumer Discretionary
    3%
  • Telecommunications
    2%
  • Real Estate
    1%

Sector exposure is broad and nicely diversified, with meaningful allocations across technology, energy, industrials, healthcare, utilities, materials, financials, and defensive areas, plus some cyclicals and communication services. Technology is the largest single slice at 16%, but that’s still more modest than many growth‑heavy portfolios today, and the spread across semiconductors and cybersecurity avoids a single‑theme bet. Energy and utilities link neatly to the inflation and real‑asset story, while healthcare and consumer defensive names can help during economic slowdowns. This sector balance aligns well with diversified benchmark patterns, which is a strong indicator that no single industry is likely to drive all portfolio outcomes.

Regions Info

  • North America
    38%
  • Europe Developed
    8%
  • Asia Developed
    7%
  • Asia Emerging
    4%
  • Japan
    3%
  • Latin America
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Europe Emerging
    1%

Geographically, about 38% sits in North America, with the rest spread across developed Europe, developed and emerging Asia, Japan, Latin America, Australasia, and smaller weights in Africa and emerging Europe. That’s a much more globally diversified profile than a typical US‑heavy portfolio, where US exposure often exceeds 60%. Broader international and emerging‑market exposure can reduce dependence on one economy and currency, though it can introduce higher volatility in the short run. The spread here looks well‑balanced and close to global norms, which supports long‑term diversification and lines up nicely with the high Diversification Score you’re seeing in the metrics.

Market capitalization Info

  • Mega-cap
    19%
  • Mid-cap
    18%
  • Large-cap
    17%
  • No data
    15%
  • Small-cap
    6%
  • Micro-cap
    2%

Market‑cap allocation ranges across mega, big, mid, small, and even micro‑cap stocks, with no single size bucket dominating. Mega caps hold the largest share at 19%, but mid and big caps are close behind, and smaller companies together form a meaningful slice. Smaller‑cap and unknown‑cap exposures often bring higher growth potential at the cost of bumpier rides and liquidity risk. Larger companies tend to be more stable and easier to trade. This blend is a healthy mix for diversification: it avoids overreliance on giant household names while still harnessing their stability, and it taps into the potential return premium historically associated with smaller firms.

True holdings Info

  • Teucrium Corn Fund
    1.86%
    Part of fund(s):
    • Teucrium Agricultural Fund
  • Teucrium Soybean
    1.84%
    Part of fund(s):
    • Teucrium Agricultural Fund
  • Teucrium Wheat
    1.83%
    Part of fund(s):
    • Teucrium Agricultural Fund
  • BlackRock Cash Funds Treasury SL Agency
    1.37%
    Part of fund(s):
    • SPDR® S&P Global Infrastructure ETF
    • VanEck Inflation Allocation ETF
    • iShares Asia 50 ETF
    • iShares Residential and Multisector Real Estate ETF
    • iShares Trust
    • iShares U.S. Infrastructure ETF
  • Vaneck ETF Trust - Commodities and Bitcoin Strategy ETF
    1.24%
    Part of fund(s):
    • VanEck Inflation Allocation ETF
  • Samsung Electronics Co Ltd
    1.08%
    Part of fund(s):
    • Freedom 100 Emerging Markets ETF
    • Macquarie Focused Emerging Markets Equity ETF
  • Exxon Mobil Corp
    1.05%
    Part of fund(s):
    • WisdomTree Efficient Gold Plus Equity Strategy Fund
    • iShares Global Energy ETF
  • Eli Lilly and Company
    1.00%
    Part of fund(s):
    • Health Care Select Sector SPDR® Fund
    • WisdomTree Efficient Gold Plus Equity Strategy Fund
    • iShares Global Healthcare ETF
    • iShares U.S. Pharmaceuticals ETF
  • SK Hynix Inc
    0.94%
    Part of fund(s):
    • Freedom 100 Emerging Markets ETF
    • Macquarie Focused Emerging Markets Equity ETF
    • Xtrackers Semiconductor Select Equity ETF
  • NVIDIA Corporation
    0.94%
    Part of fund(s):
    • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund
    • First Trust Nasdaq Semiconductor ETF
    • VanEck Inflation Allocation ETF
    • WisdomTree Efficient Gold Plus Equity Strategy Fund
    • Xtrackers Semiconductor Select Equity ETF
  • Top 10 total 13.15%

Looking through ETF top holdings, a big chunk of the portfolio ultimately sits in agricultural commodities, precious metals, and a handful of large global companies like Samsung, Exxon Mobil, Eli Lilly, SK Hynix, and NVIDIA. The agricultural trio (corn, soybeans, wheat) alone makes up over 5% via Teucrium funds, while commodities and Bitcoin exposure also appear via a VanEck vehicle. Overlap is moderate but not extreme: several big names recur across different ETFs, yet no single company dominates overall. Since only top‑10 ETF holdings are captured, hidden overlap may be slightly higher. Periodically checking for repeated names can help avoid unintentional concentration creeping in over time.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 7%
Size
Exposure to smaller companies
Neutral
Data availability: 16%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 73%

Factor exposure shows strong tilts to value, momentum, and low volatility. Factors are like underlying “styles” — value favors cheaper stocks, momentum prefers recent winners, and low volatility targets historically steadier names. Together, that mix often behaves differently from a plain market index. Value and momentum can complement each other over cycles, but both can underperform for long stretches. The low‑volatility tilt may help cushion drawdowns somewhat, consistent with the relatively modest max drawdown seen so far. Signal coverage is only about a third overall, so readings are somewhat noisy, yet the pattern suggests a deliberate style tilt rather than pure market‑cap indexing.

Risk contribution Info

  • WisdomTree Efficient Gold Plus Equity Strategy Fund
    Weight: 9.16%
    19.9%
  • abrdn Physical Precious Metals Basket Shares ETF
    Weight: 7.47%
    19.6%
  • iShares Global Clean Energy ETF
    Weight: 5.71%
    8.3%
  • Macquarie Focused Emerging Markets Equity ETF
    Weight: 4.94%
    8.3%
  • Freedom 100 Emerging Markets ETF
    Weight: 5.14%
    7.4%
  • Top 5 risk contribution 63.4%

Risk contribution measures how much each holding adds to overall portfolio ups and downs, which can differ a lot from its percentage weight. Here, the gold‑plus‑equity ETF and the physical precious metals ETF together weigh about 16.6% but contribute nearly 40% of total portfolio risk. Add the clean energy ETF and you get almost half of total risk in just three positions. That’s a serious concentration in real‑asset and thematic exposures, even though overall diversification scores look great. If the goal is smoother behavior, dialing these weights up or down is a powerful lever for aligning risk contribution closer to desired levels.

Redundant positions Info

  • Xtrackers Semiconductor Select Equity ETF
    First Trust Nasdaq Semiconductor ETF
    High correlation
  • iShares Global Healthcare ETF
    Health Care Select Sector SPDR® Fund
    High correlation

Correlation describes how assets move together: +1 means they move in lockstep, 0 means moves are unrelated, and -1 means they move opposite. The two semiconductor ETFs are highly correlated, as are the global healthcare and healthcare sector funds, which means they’re effectively doubling down on the same underlying patterns rather than adding much diversification. The overall note that “the portfolio contains highly correlated assets” reinforces that some themes are represented multiple times. In calm markets this may not matter, but during stress, correlated holdings can all drop together. Reducing overlapping exposures can keep diversification working when it’s needed most.

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.

On the risk–return chart, the current portfolio sits below the efficient frontier, meaning there are combinations of these same ETFs that could deliver a better tradeoff. The Sharpe ratio (return per unit of volatility) is solid at 2.62, but the optimal and minimum‑variance mixes show much higher risk‑adjusted figures, albeit with oddly low expected returns due to modeling quirks and limited history. A “same‑risk optimized” version suggests far higher expected return at a similar risk level. In plain terms, reweighting existing holdings — especially trimming positions whose risk contribution massively exceeds their weight — could potentially move closer to that frontier without changing the menu of investments.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.10%
  • Xtrackers Semiconductor Select Equity ETF 0.50%
  • Freedom 100 Emerging Markets ETF 2.10%
  • First Trust Nasdaq Semiconductor ETF 0.20%
  • WisdomTree Efficient Gold Plus Equity Strategy Fund 4.50%
  • SPDR® S&P Global Infrastructure ETF 2.90%
  • Amplify Cybersecurity ETF 0.10%
  • iShares Global Clean Energy ETF 1.50%
  • iShares U.S. Pharmaceuticals ETF 1.80%
  • iShares Global Energy ETF 2.70%
  • iShares Global Healthcare ETF 1.50%
  • iShares Global Utilities ETF 2.40%
  • VanEck Agribusiness ETF 2.20%
  • VanEck Inflation Allocation ETF 2.10%
  • iShares Trust 4.00%
  • Health Care Select Sector SPDR® Fund 1.70%
  • Macquarie Focused Emerging Markets Equity ETF 2.40%
  • Weighted yield (per year) 2.31%

The portfolio’s total dividend yield is about 2.31%, a reasonable middle ground between income and growth. Yield comes from several areas: small‑cap value, infrastructure, utilities, energy, and some broad equity and inflation‑allocation funds, while tech‑heavy themes and cybersecurity contribute very little income. Dividends can provide a steady cash stream and modest cushion during flat markets, but they’re only one part of total return alongside price movements. For someone focused more on long‑term growth and inflation protection than pure income, this level of yield fits well and avoids the risks of stretching into high‑yield but potentially weaker‑quality assets.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Xtrackers Semiconductor Select Equity ETF 0.15%
  • Freedom 100 Emerging Markets ETF 0.49%
  • First Trust Nasdaq Semiconductor ETF 0.60%
  • WisdomTree Efficient Gold Plus Equity Strategy Fund 0.20%
  • SPDR® S&P Global Infrastructure ETF 0.40%
  • abrdn Physical Precious Metals Basket Shares ETF 0.60%
  • Amplify Cybersecurity ETF 0.60%
  • iShares Global Clean Energy ETF 0.41%
  • iShares U.S. Pharmaceuticals ETF 0.40%
  • iShares Global Energy ETF 0.44%
  • iShares Global Healthcare ETF 0.42%
  • iShares Global Utilities ETF 0.43%
  • VanEck Agribusiness ETF 0.53%
  • VanEck Inflation Allocation ETF 0.77%
  • iShares Trust 0.07%
  • Teucrium Agricultural Fund 0.13%
  • Health Care Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.32%

The blended total expense ratio (TER) is around 0.32%, which is impressively low for such a specialized, multi‑ETF setup. Many thematic and commodity funds charge well above 0.5–0.7%, and you do have a few in that range, but they’re balanced by very low‑cost core holdings like the iShares Trust at 0.07% and inexpensive sector funds. Fees are like friction on a car: small annual differences compound significantly over decades. Keeping overall costs this low while still accessing niche exposures is a real strength here and supports better long‑term outcomes compared with similarly complex portfolios that pay more in fund charges.

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