This portfolio has only about 3 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.
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A growth-chasing equity rocket pretending to be a chilled balanced diversified portfolio

Report created on Jun 3, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This “balanced” portfolio is 100% in equities with a turbo button strapped on, yet somehow wears a 4/7 risk badge and a perfect diversification score. Structurally it’s basically one big core equity block (70%) with two loud satellites shouting “growth” and “small value” at each other from opposite corners. With only three funds, it looks clean, but that’s cosmetic minimalism, not nuanced design. The personality is clear: fully invested, no safety net, and very little subtlety. For something labeled balanced, this is more like a one-asset-class dare, dressed up in ETF respectability. The portfolio knows what it wants to do — it just doesn’t match the name on the tin.

Growth Info

The three-month performance looks like a superhero origin story: $1,000 became $1,152, with an absurd 89% “CAGR” that exists only because the timeframe is tiny. CAGR is just the average annual speed; here, it’s like clocking highway speeds during a 5‑minute joyride and calling it your lifetime pace. Max drawdown of only -3.65% versus similar small dips for the US and global markets makes everything look painless and easy. That’s not a pattern, that’s luck plus a generous market mood. Past data over 80 days is basically yesterday’s weather — helpful as a vibe check, useless as prophecy.

Projection Info

The Monte Carlo projection tries to imagine 15 years of outcomes using this three-month baby data, which is like planning a 15‑year relationship after two good dates. Simulations spit out a “most likely” $2,723 from $1,000, with a wide range from “meh” ($922) to “nice” ($7,233). Monte Carlo just reruns random versions of history to see how often things go well or badly; here, 78.9% of paths end positive, which sounds comforting. But when the inputs come from a tiny, sunny patch of market history, the model is basically guessing with a confident tone. The range is useful directionally, not something to take literally.

Asset classes Info

  • US Equity
    75%
  • Stocks
    26%

Asset class breakdown is hilariously simple: 100% equities, zero in bonds, cash, or anything that might behave differently when markets sulk. Yet this thing wears a “balanced” label like it’s done its homework on stability. This isn’t balanced; it’s just diversified across flavors of stock risk. In asset-class terms, everything here floats or sinks with equity markets — no true buffer, no alternative engines. That’s fine as a design choice, but the name is doing some heavy marketing spin. The portfolio acts like an equity growth machine, not a middle-of-the-road, slow-and-steady mix.

Sectors Info

  • Technology
    25%
  • Financials
    18%
  • Industrials
    11%
  • Consumer Discretionary
    10%
  • Energy
    7%
  • Telecommunications
    7%
  • Basic Materials
    7%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, this portfolio is trying to look well-rounded, but the tech and financials habits are showing. Technology at 25% is a full-blown personality trait, not a side interest, with the usual suspects like NVIDIA, Apple, Microsoft doing most of the heavy lifting. Financials at 18% add another big cluster of risk — different drivers, but still very economically sensitive. Everything else — industrials, consumer, energy, etc. — fills out the cast so it doesn’t scream “single bet,” but the story here is simple: growthy, cyclical, and pretty dependent on the global economy keeping its act together. Defensive sectors exist, but more as background extras than bodyguards.

Regions Info

  • North America
    74%
  • Europe Developed
    13%
  • Japan
    6%
  • Asia Developed
    3%
  • Australasia
    2%
  • Asia Emerging
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, this portfolio is wearing a Canada-and-US hoodie while claiming to be worldly. North America at 74% dominates, with Europe, Japan, and the rest of the world sprinkled in like garnish so it looks “global” on a factsheet. It’s not a disaster — at least there is some exposure beyond one region — but the tilt is obvious. When the North American market sneezes, this portfolio catches the flu. For a supposedly highly diversified setup, it’s really just “mostly one big region plus some international seasoning for aesthetics.” Functional, but not exactly globally open-minded.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    26%
  • Mid-cap
    17%
  • Small-cap
    10%
  • Micro-cap
    5%

This breakdown covers the equity portion of your portfolio only.

The market cap mix is actually the part that looks almost intentional: 39% mega-cap, 26% large, then a meaningful 17% mid, 10% small, and even 5% micro. So yes, there’s genuine size diversification here, not just a pile of megacaps with a token small-cap ETF. The catch is that small and micro are the drama magnets when markets get rough; they swing harder both ways. With the global small-cap value slice added on top of broad market exposure, this portfolio leans into the full equity roller coaster, from global giants to scrappy tiny names. Polite on paper, bumpy in practice.

True holdings Info

  • iShares Core S&P Total U.S. Stock Market Index ETF
    17.83%
    Part of fund(s):
    • iShares Core Equity Portfolio
  • NVIDIA Corporation
    2.21%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco NASDAQ 100 Index ETF CAD Units
    • iShares Core Equity Portfolio
    • iShares Core S&P Total U.S. Stock Market ETF
  • Apple Inc
    1.86%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco NASDAQ 100 Index ETF CAD Units
    • iShares Core Equity Portfolio
    • iShares Core S&P Total U.S. Stock Market ETF
  • Microsoft Corporation
    1.35%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco NASDAQ 100 Index ETF CAD Units
    • iShares Core Equity Portfolio
    • iShares Core S&P Total U.S. Stock Market ETF
  • Royal Bank of Canada
    1.27%
    Part of fund(s):
    • iShares Core Equity Portfolio
    • iShares Core S&P/TSX Capped Composite
  • Amazon.com Inc
    1.21%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco NASDAQ 100 Index ETF CAD Units
    • iShares Core Equity Portfolio
    • iShares Core S&P Total U.S. Stock Market ETF
  • Alphabet Inc Class A
    0.99%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco NASDAQ 100 Index ETF CAD Units
    • iShares Core Equity Portfolio
    • iShares Core S&P Total U.S. Stock Market ETF
  • Toronto Dominion Bank
    0.91%
    Part of fund(s):
    • iShares Core Equity Portfolio
    • iShares Core S&P/TSX Capped Composite
  • Broadcom Inc
    0.87%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco NASDAQ 100 Index ETF CAD Units
    • iShares Core Equity Portfolio
    • iShares Core S&P Total U.S. Stock Market ETF
  • Alphabet Inc Class C
    0.86%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco NASDAQ 100 Index ETF CAD Units
    • iShares Core Equity Portfolio
    • iShares Core S&P Total U.S. Stock Market ETF
  • Top 10 total 29.37%

This breakdown covers the equity portion of your portfolio only.

Look-through holdings reveal the usual suspects hogging the spotlight. A single US total market ETF sits at nearly 18% of exposure, and then the tech crowd — NVIDIA, Apple, Microsoft, Amazon, Alphabet — quietly stack up via overlapping funds. That overlap is undercounted because only ETF top-10s are shown, so the true concentration in a handful of mega tech and US giants is almost certainly higher. This is the classic “three ETFs, one underlying market” situation: looks diversified, but the same names keep showing up like cameo appearances in every spin-off series. Hidden concentration is the uncredited co-star here.

Risk contribution Info

  • iShares Core Equity Portfolio
    Weight: 70.00%
    71.8%
  • Invesco NASDAQ 100 Index ETF CAD Units
    Weight: 15.00%
    15.7%
  • Avantis CIBC Global Small Cap Value ETF
    Weight: 15.00%
    12.6%

Risk contribution confirms the obvious: the 70% core equity fund does about 72% of the risk lifting, basically running the entire show. The NASDAQ 100 satellite pulls its full 15% share of risk too, because of course the most growth-heavy piece isn’t shy about volatility. The global small-cap value ETF, despite also being spicy by nature, actually under-punches a bit with 12.6% of risk versus 15% weight. So structurally, there’s no sneaky landmine — risk more or less follows weights. The flip side is that “diversification” here doesn’t really calm the ride; it just shifts where the same equity risk comes from.

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.

The efficient frontier chart politely explains that this portfolio is leaving a lot on the table — 25.79 percentage points below the frontier at its current risk level is not a rounding error. The Sharpe ratio (the “return per unit of pain” score) is 4.21, while achievable options with the same ingredients reach 5+ and even 6.31. In plain English: using just these three funds in better proportions could deliver more return for the same drama, or similar return with less drama. This isn’t a bad collection of ingredients, it’s just a slightly clumsy recipe that ignores what the frontier is screaming.

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