This portfolio has only about 1.8 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 growth-focused portfolio with high exposure to US equities and a touch of cryptocurrency

Report created on Nov 20, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is heavily weighted towards US equities, with 80% of its allocation in three major ETFs tracking broad market indices and the tech-heavy NASDAQ. The inclusion of a government money market fund and a cryptocurrency ETF adds a layer of diversification, albeit modestly. This composition suggests a strategy leaning towards growth, with a balance between aggressive stock market investments and conservative cash equivalents. The blend, however, shows a significant overlap in equity exposure, particularly among the S&P 500 and total stock market ETFs, which could limit diversification benefits.

Growth Info

Historically, the portfolio has shown a strong Compound Annual Growth Rate (CAGR) of 22.20%, with a maximum drawdown of -17.75%. These figures indicate a robust performance in the past, with the ability to recover from market downturns relatively quickly. The days contributing most to returns highlight the portfolio's sensitivity to market highs. While past performance is impressive, it's essential to remember that it doesn't guarantee future results, especially considering the volatile nature of stock and cryptocurrency markets.

Projection Info

The Monte Carlo simulation, a tool used to forecast potential investment outcomes by analyzing historical data, suggests a wide range of future portfolio values with a median annualized return of 30.90%. This optimistic projection underscores the portfolio's growth potential but also hints at significant volatility. Given the inherent uncertainties in forecasting, especially with assets like cryptocurrencies, investors should approach these projections with caution, understanding that actual future performance could vary widely.

Asset classes Info

  • Stocks
    80%
  • No data
    15%
  • Other
    5%

The asset class distribution, with a dominant 80% in stocks, aligns with a growth-oriented investment strategy. The 15% allocation in a government money market fund provides liquidity and a buffer against stock market volatility, while the 5% in cryptocurrency introduces a speculative element with high-risk, high-reward potential. This mix supports a balanced approach, blending aggressive growth with conservative holdings, though the stock allocation's heavy emphasis on US markets could benefit from further geographic diversification.

Sectors Info

  • Technology
    33%
  • No data
    15%
  • Telecommunications
    10%
  • Consumer Discretionary
    9%
  • Financials
    7%
  • Health Care
    6%
  • Industrials
    5%
  • Consumer Staples
    4%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    1%
  • Basic Materials
    1%

The sector allocation reveals a strong emphasis on technology, followed by communication services and consumer cyclicals. This tech-heavy focus aligns with the current trend of digital transformation and innovation driving market growth. However, it also exposes the portfolio to sector-specific risks, such as regulatory changes or technology sector downturns. Diversifying into underrepresented sectors could mitigate these risks and potentially smooth out returns over time.

Regions Info

  • North America
    79%
  • No data
    15%

Geographic exposure is predominantly North American, with 79% of the portfolio invested in this region. This concentration in developed markets, particularly the US, leverages the stability and growth potential of these economies. However, the absence of exposure to emerging markets and other developed regions limits the portfolio's ability to capitalize on global growth trends and reduces its diversification across different economic cycles.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    26%
  • No data
    15%
  • Mid-cap
    13%
  • Small-cap
    2%
  • Micro-cap
    1%

The market capitalization breakdown shows a preference for mega and big-cap stocks, which tend to be more stable and less volatile than their smaller counterparts. This allocation is conducive to a growth strategy with a moderate risk profile, as larger companies often have more predictable revenue streams and established market positions. However, incorporating more medium, small, and micro-cap stocks could enhance potential returns, albeit at a higher risk.

Redundant positions Info

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

The high correlation among the SPDR® Portfolio S&P 500 ETF, Vanguard Total Stock Market Index Fund ETF Shares, and Invesco NASDAQ 100 ETF indicates redundancy in the portfolio, as these assets tend to move in tandem. This overlap reduces the effectiveness of diversification as a risk management tool. Reducing exposure to similar assets and introducing non-correlated investments could enhance portfolio resilience during market downturns.

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's current allocation on the Efficient Frontier could be optimized by addressing the high correlation among its largest equity holdings. By diversifying into less correlated assets or sectors, the portfolio could achieve a more favorable risk-return profile. This optimization process should focus on maintaining the growth orientation while enhancing diversification to reduce volatility and improve overall portfolio efficiency.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Fidelity® Government Money Market Fund 2.40%
  • SPDR® Portfolio S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 1.12%

The portfolio's dividend yield of 1.12% contributes to its total return, providing a steady income stream in addition to capital appreciation. While not the primary focus of a growth-oriented strategy, dividends offer a measure of passive income and a buffer during market volatility. Rebalancing to include higher-yielding assets could increase this income component without significantly altering the portfolio's risk profile.

Ongoing product costs Info

  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.06%

With a total expense ratio (TER) of 0.06%, the portfolio benefits from relatively low costs, which can significantly enhance long-term returns. The low fees are particularly advantageous given the portfolio's growth focus, as they allow a larger portion of investment returns to compound over time. Continual monitoring of fund expenses and considering even lower-cost alternatives for similar exposure can further improve net performance.

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