This portfolio has only about 1.1 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 balanced portfolio with high U.S. exposure and potential for moderate growth

Report created on Apr 26, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification
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Positions

The portfolio is composed predominantly of stocks, with a significant 36.87% allocation to the Vanguard Tax-Managed Capital Appreciation Fund. This fund-heavy structure, with additional allocations to ETFs and individual stocks, suggests a focus on equity markets. The portfolio's composition aligns with a typical balanced strategy, but the low allocation to cash and bonds may limit liquidity and stability during market downturns. To enhance diversification, consider incorporating bonds or other fixed-income assets, which can provide a cushion against equity market volatility and contribute to a more resilient portfolio over time.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 10.39%, which is a respectable return for a balanced strategy. However, it has also experienced a maximum drawdown of -20.29%, indicating potential vulnerability during market downturns. Compared to benchmarks, this performance reflects both the growth potential and risk inherent in a stock-heavy allocation. Investors should weigh the historical returns against the drawdown risk and consider rebalancing to mitigate potential losses in adverse market conditions, ensuring a smoother ride through market fluctuations.

Projection Info

Forward projections using Monte Carlo simulations suggest varied outcomes, with a 5th percentile result of -78.2% and a 67th percentile result of 155.7%. This wide range highlights the uncertainty inherent in market forecasts. The median projection anticipates a 51.1% increase, indicating potential for growth, but it's crucial to remember that simulations are based on historical data and cannot predict future events with certainty. Investors should use these projections as a guide rather than a guarantee, maintaining a diversified approach to buffer against unpredictable market movements and adjusting the portfolio as needed to align with changing market conditions.

Asset classes Info

  • Stocks
    89%

The portfolio is heavily skewed towards equities, with 89% allocated to stocks and no exposure to bonds or cash. This lack of diversification across asset classes may increase risk, especially during periods of stock market volatility. Compared to benchmarks that typically include a mix of stocks, bonds, and cash, this portfolio's concentration in equities could lead to greater fluctuations in value. To enhance stability, consider adding fixed-income securities or cash equivalents, which can provide a counterbalance to equities and help smooth out returns over time, particularly in uncertain or declining markets.

Sectors Info

  • Technology
    18%
  • Financials
    14%
  • Industrials
    13%
  • Health Care
    11%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Consumer Discretionary
    4%
  • Utilities
    4%
  • Basic Materials
    3%
  • Consumer Discretionary
    2%
  • Real Estate
    2%

The sector allocation shows a significant concentration in Technology (18%), Financial Services (14%), and Industrials (13%). This sectoral focus aligns with common growth-oriented benchmarks but may expose the portfolio to sector-specific risks. For instance, technology-heavy portfolios can be more volatile during interest rate hikes. While the sector distribution provides a good mix of growth and stability, further diversification across less represented sectors, such as Consumer Defensive or Utilities, could help mitigate sector-specific risks and enhance overall portfolio resilience against market shifts.

Regions Info

  • North America
    87%
  • Europe Developed
    2%

The portfolio's geographic allocation is heavily weighted towards North America (87%), with minimal exposure to other regions. This concentration could limit the benefits of global diversification, such as reducing country-specific risks and capturing growth in emerging markets. Compared to global benchmarks, which typically include a wider geographic spread, this portfolio may miss opportunities outside the U.S. To improve diversification, consider increasing exposure to international markets, which can provide additional growth opportunities and help buffer against U.S.-specific economic downturns, enhancing the portfolio's long-term stability and growth potential.

Market capitalization Info

  • Mega-cap
    36%
  • Large-cap
    35%
  • Mid-cap
    12%
  • Small-cap
    6%
  • Micro-cap
    1%

The portfolio's market capitalization distribution is primarily focused on mega-cap (36%) and big-cap (35%) stocks, with smaller allocations to medium, small, and micro-cap stocks. This skew towards larger companies may offer stability and lower volatility, as larger firms are often more established and financially secure. However, it could also limit potential returns that smaller, more agile companies might provide. To enhance diversification and potential growth, consider increasing exposure to small and medium-cap stocks, which can offer higher growth opportunities and complement the stability provided by larger-cap holdings.

Redundant positions Info

  • Schwab U.S. Small-Cap ETF
    Schwab U.S. Mid-Cap ETF
    High correlation
  • Schwab S&P 500 Index Fund
    SCHWAB TOTAL STOCK MARKET INDEX FUND SELECT SHARES
    VANGUARD TAX-MANAGED CAPITAL APPRECIATION FUND ADMIRAL SHARES
    VANGUARD TOTAL STOCK MARKET INDEX FUND ADMIRAL SHARES
    High correlation

The portfolio includes highly correlated groups, such as the Schwab U.S. Small-Cap ETF and Schwab U.S. Mid-Cap ETF, which may limit diversification benefits. High correlation means these assets tend to move together, reducing the portfolio's ability to mitigate risk during downturns. While some correlation is expected, excessive overlap can hinder diversification. To improve risk management, consider replacing some of these correlated assets with those that have a lower correlation to the rest of the portfolio, enhancing its ability to withstand market volatility and providing a more balanced 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 could be optimized along the Efficient Frontier to achieve a better risk-return ratio. Currently, overlapping assets might hinder diversification, suggesting room for improvement. The Efficient Frontier represents the set of optimal portfolios that offer the highest expected return for a defined level of risk. By reallocating assets to reduce correlation and align with the Efficient Frontier, the portfolio could potentially achieve a higher expected return of 7.50%. This optimization involves adjusting current holdings rather than adding new ones, ensuring a more efficient allocation of existing resources.

Dividends Info

  • Apple Inc 0.50%
  • AbbVie Inc 2.50%
  • Abbott Laboratories 1.30%
  • Accenture plc 1.40%
  • AerCap Holdings NV 1.00%
  • Amgen Inc 3.30%
  • Bank of America Corp 2.60%
  • Becton Dickinson and Company 1.90%
  • Caterpillar Inc 1.40%
  • Colgate-Palmolive Company 1.60%
  • Canadian National Railway Co 2.50%
  • ConocoPhillips 3.00%
  • Chevron Corp 4.80%
  • FedEx Corporation 2.60%
  • General Dynamics Corporation 1.60%
  • Genuine Parts Co 3.50%
  • Home Depot Inc 2.50%
  • Honeywell International Inc 2.20%
  • Johnson & Johnson 3.20%
  • JPMorgan Chase & Co 1.50%
  • L3Harris Technologies Inc 2.20%
  • Mastercard Inc 0.40%
  • Nextera Energy Inc 3.20%
  • Norfolk Southern Corporation 2.40%
  • Nucor Corp 1.40%
  • Novartis AG ADR 3.60%
  • Realty Income Corp 5.60%
  • Procter & Gamble Company 1.90%
  • Phillips 66 4.40%
  • Starbucks Corporation 2.80%
  • Schwab U.S. Small-Cap ETF 1.70%
  • Schwab U.S. Dividend Equity ETF 4.00%
  • Schwab U.S. Mid-Cap ETF 1.50%
  • Schwab S&P 500 Index Fund 1.30%
  • SCHWAB TOTAL STOCK MARKET INDEX FUND SELECT SHARES 1.30%
  • Schwab Value Advantage Money Fund 4.50%
  • United Parcel Service Inc 6.70%
  • VANGUARD TAX-MANAGED CAPITAL APPRECIATION FUND ADMIRAL SHARES 0.80%
  • VANGUARD TOTAL STOCK MARKET INDEX FUND ADMIRAL SHARES 1.00%
  • Wells Fargo & Company 2.20%
  • Walmart Inc 0.90%
  • Exxon Mobil Corp 3.60%
  • Weighted yield (per year) 1.78%

The portfolio's overall dividend yield is 1.78%, with notable contributions from stocks like Chevron Corp (4.80%) and Realty Income Corp (5.60%). Dividends can provide a steady income stream and contribute to total returns, especially in a low-interest-rate environment. However, the focus on growth-oriented stocks may limit overall yield. For investors seeking income, consider increasing allocations to high-dividend stocks or dividend-focused funds. Balancing growth and income can enhance portfolio stability and provide a buffer against market volatility, ensuring a more consistent return profile over time.

Ongoing product costs Info

  • Schwab U.S. Small-Cap ETF 0.04%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Mid-Cap ETF 0.04%

The portfolio benefits from low expense ratios, particularly in the ETFs, such as the Schwab U.S. Small-Cap ETF at 0.04%. Keeping costs low is crucial for maximizing long-term returns, as high fees can erode gains over time. Compared to industry averages, these low costs are a positive aspect of the portfolio, allowing more of the investment's growth to be retained by the investor. To maintain this advantage, regularly review and compare fees across all holdings, ensuring that cost efficiency remains a priority and contributes positively to the portfolio's overall performance.

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