Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

Balanced portfolio with a strong foundation in ETFs and a strategic single stock position

Report created on Jun 30, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is heavily weighted towards ETFs, with 90% of its composition spread across four ETFs that cover both the U.S. and international stock markets. The remaining 10% is allocated to a single common stock, Amazon.com Inc, which introduces a higher potential for growth as well as volatility. The broad ETF base provides a solid foundation, ensuring diversification across various sectors and geographies, while the Amazon position adds a growth-oriented tilt.

Growth Info

Historically, this portfolio has delivered a Compound Annual Growth Rate (CAGR) of 13.17%, with a maximum drawdown of -28.49%. The days contributing most significantly to returns highlight the portfolio's ability to capitalize on market upswings. However, it's essential to remember that past performance is not indicative of future results, and the high returns seen on specific days may not be replicable.

Projection Info

Monte Carlo simulations, which use historical data to forecast a range of potential future outcomes, suggest a wide variance in possible performance. With the majority of simulations indicating positive returns, there's a strong likelihood of future growth. Yet, investors should consider the inherent limitations of relying solely on historical data, as it cannot predict unforeseen market shifts.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's allocation is almost entirely in stocks (99%), with a minimal cash position (1%). This high equity exposure aligns with a balanced risk profile that seeks growth while accepting moderate market volatility. The lack of bonds or alternative investments may limit risk mitigation options, suggesting a potential area for diversification.

Sectors Info

  • Consumer Discretionary
    19%
  • Technology
    18%
  • Financials
    14%
  • Industrials
    10%
  • Health Care
    10%
  • Consumer Staples
    8%
  • Energy
    7%
  • Telecommunications
    6%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

Sector allocation shows a well-rounded mix, with the highest concentrations in Consumer Cyclicals and Technology. This composition suggests a balance between growth-oriented sectors and more stable, defensive areas. However, the significant weighting in tech could expose the portfolio to sector-specific risks, such as regulatory changes or market sentiment shifts.

Regions Info

  • North America
    72%
  • Europe Developed
    12%
  • Asia Emerging
    5%
  • Japan
    5%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is heavily skewed towards North America (72%), with modest exposure to developed Europe and emerging Asian markets. This concentration in developed markets, particularly the U.S., may offer stability but also limits potential gains from faster-growing emerging markets. Increasing exposure to underrepresented regions could enhance growth prospects and diversification.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    33%
  • Mid-cap
    20%
  • Small-cap
    5%
  • Micro-cap
    1%

The market capitalization breakdown reveals a focus on Mega and Big cap stocks, which constitute 73% of the portfolio. This bias towards larger companies may offer stability and resilience during market downturns but could also limit the potential for outsized gains from smaller, more agile firms. A more balanced cap-size distribution could provide a better risk-reward trade-off.

Redundant positions Info

  • iShares Core MSCI Total International Stock ETF
    Vanguard Total International Stock Index Fund ETF Shares
    High correlation

The high correlation between the iShares Core MSCI Total International Stock ETF and Vanguard Total International Stock Index Fund ETF Shares indicates overlapping exposures, which may dilute diversification benefits. Streamlining these holdings could enhance portfolio efficiency by reducing redundancy without sacrificing global exposure.

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.

Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

Optimizing the portfolio along the Efficient Frontier could enhance its risk-return profile. Currently, the presence of highly correlated assets suggests an opportunity to streamline the international exposure for greater efficiency. Adjusting the asset allocation to reduce overlap and potentially incorporating underrepresented asset classes or sectors could improve diversification and performance potential.

Dividends Info

  • iShares Core MSCI Total International Stock ETF 3.10%
  • Schwab U.S. Dividend Equity ETF 2.90%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.90%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.82%

The portfolio's average dividend yield of 1.82% contributes to its total return, blending growth and income generation. The varying yields across ETFs reflect different sector and geographic focuses, with international ETFs offering higher yields. This income can provide a cushion during market downturns, though the portfolio's overall yield might be optimized for a better balance between growth and income.

Ongoing product costs Info

  • iShares Core MSCI Total International Stock ETF 0.07%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

With an average Total Expense Ratio (TER) of 0.04%, the portfolio is cost-efficient, minimizing the drag on returns. This low-cost structure is essential for long-term growth, as even small differences in fees can significantly impact net returns over time. Maintaining a focus on cost-efficiency, especially when considering new investments, is advisable.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey