This portfolio has only about 1.5 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.

A cautiously constructed portfolio with a focus on income and moderate growth potential

Report created on Aug 12, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is predominantly invested in equities, with a significant 50% allocation to the Vanguard S&P 500 ETF, reflecting a strong focus on major US companies. The inclusion of specialized income ETFs and an international stock index fund indicates an attempt to diversify across sectors and geographies, albeit with a heavy emphasis on North American assets. The Schwab Value Advantage Money Fund serves as a liquidity buffer, reducing overall volatility.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 15.66%, with a maximum drawdown of -14.12%. This performance is noteworthy, especially considering the cautious risk profile. It's important to understand that past performance is not always indicative of future results, but this historical data suggests a well-constructed strategy that has navigated market fluctuations effectively.

Projection Info

Monte Carlo simulations project a wide range of potential outcomes, with the median scenario suggesting a 600% return. While these projections are based on historical data and statistical models, they are not guarantees. Investors should consider these projections as one of many tools in making informed decisions, recognizing the inherent uncertainty in predicting future market movements.

Asset classes Info

  • Stocks
    78%
  • No data
    1%
  • Cash
    1%

The portfolio's allocation shows a strong preference for stocks, with a 78% allocation. This concentration in equities, while potentially offering higher returns, also carries a higher risk level, especially for a profile classified as cautious. Diversifying further into other asset classes could help mitigate risk without significantly compromising potential returns.

Sectors Info

  • Technology
    25%
  • Financials
    11%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Industrials
    7%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Energy
    2%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    2%

The sectoral allocation highlights a substantial weighting in technology, followed by financial services and consumer cyclicals. This sector distribution aligns with the portfolio's growth orientation but may increase volatility. Broadening exposure to more defensive sectors like healthcare and consumer staples could offer stability during market downturns.

Regions Info

  • North America
    67%
  • Europe Developed
    6%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%
  • Australasia
    1%

Geographic distribution is heavily skewed towards North America, which may limit exposure to potential growth in emerging markets and developed markets outside the US. Expanding into these areas could enhance returns and provide better diversification, reducing the impact of regional economic downturns.

Market capitalization Info

  • Mega-cap
    36%
  • Large-cap
    27%
  • Mid-cap
    13%
  • Small-cap
    1%

The market capitalization breakdown shows a preference for mega and big-cap stocks, which typically offer stability and consistent dividends but may have lower growth potential compared to smaller companies. Incorporating a broader range of market caps could enhance growth prospects and diversification.

Redundant positions Info

  • Vanguard S&P 500 ETF
    JPMorgan Nasdaq Equity Premium Income ETF
    SHP ETF Trust - NEOS S&P 500 High Income ETF
    NEOS Nasdaq 100 High Income ETF
    High correlation

The high correlation among the equity ETFs, especially those focused on the S&P 500 and Nasdaq, suggests redundancy that does not contribute to diversification. Reducing overlap by reallocating from highly correlated assets to those with lower correlations could improve the portfolio's risk-adjusted returns.

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.

Optimizing the portfolio along the Efficient Frontier could enhance the risk-return profile. This involves adjusting asset allocations to achieve the highest possible returns for a given level of risk. The current focus should be on reducing asset overlap and considering a broader diversification across asset classes, sectors, and geographies.

Dividends Info

  • JPMorgan Equity Premium Income ETF 8.60%
  • JPMorgan Nasdaq Equity Premium Income ETF 11.20%
  • NEOS Nasdaq 100 High Income ETF 13.80%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 12.00%
  • Schwab Value Advantage Money Fund 4.00%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 3.62%

The portfolio's dividend yield strategy, highlighted by the high yields from the income-focused ETFs, contributes significantly to its total return. This approach is particularly suitable for investors seeking regular income, though it's important to balance yield-seeking with growth opportunities and risk management.

Ongoing product costs Info

  • JPMorgan Equity Premium Income ETF 0.35%
  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • NEOS Nasdaq 100 High Income ETF 0.68%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 0.68%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.10%

The overall expense ratio is relatively low, which is beneficial for long-term growth by minimizing the drag on returns. However, the higher costs associated with the income ETFs compared to the Vanguard S&P 500 ETF highlight the trade-off between specialized strategies and cost efficiency. Continual monitoring and adjustment of these costs can optimize net returns.

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