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Balanced and broadly diversified portfolio with a strategic mix across asset classes and global exposure

Report created on Jul 14, 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 structured to provide a balanced mix of global equities, small-cap value stocks, commodities, and short-term bonds, complemented by a specific allocation to technology through NVIDIA Corporation. The majority allocation to the Vanguard Total Stock Market Index Fund ETF Shares demonstrates a strong foundation in U.S. equities, while the Vanguard Total International Stock Index Fund ETF Shares and small-cap value ETFs add international diversity and potential for growth. The inclusion of commodities and cash equivalents suggests a strategic approach to hedge against inflation and market volatility.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 17.77% and a maximum drawdown of -25.70%, the portfolio has demonstrated robust growth and resilience in the face of market fluctuations. The days contributing to 90% of returns highlight the impact of short-term gains, underscoring the importance of staying invested through market cycles. This performance, while impressive, should be viewed with the understanding that past results do not guarantee future returns.

Projection Info

Monte Carlo simulations, which project future performance based on historical data, show a wide range of outcomes with a median increase of 846.8%. While encouraging, it's crucial to remember that these simulations are hypothetical and cannot predict actual future performance. They serve as a tool for understanding potential volatility and assessing risk tolerance rather than guaranteeing outcomes.

Asset classes Info

  • Stocks
    84%
  • Cash
    9%
  • Bonds
    5%
  • Real Estate
    2%

The portfolio’s asset allocation—84% in stocks, 9% in cash, 5% in bonds, and 2% in real estate—provides a solid foundation for growth while maintaining liquidity and income generation. This diversification across asset classes is key to managing risk and achieving long-term investment goals. Adjusting these allocations could further optimize the portfolio's performance relative to the investor's risk tolerance and investment horizon.

Sectors Info

  • Technology
    23%
  • Financials
    14%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Health Care
    7%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Energy
    4%
  • Real Estate
    4%
  • Basic Materials
    4%
  • Utilities
    2%

Sector allocations show a significant emphasis on technology, financial services, and industrials, which are sectors known for their growth potential. However, the concentration in technology, primarily through NVIDIA Corporation, increases exposure to sector-specific risks. Diversifying across additional sectors could mitigate this risk and capitalize on growth opportunities in other areas of the market.

Regions Info

  • North America
    68%
  • Europe Developed
    8%
  • Japan
    4%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

The geographic allocation underscores a strong bias towards North America, with meaningful exposure to developed European markets and a modest allocation to emerging and other developed markets. This geographic distribution supports risk management but may limit exposure to high-growth potential in emerging markets. Considering a slight increase in emerging market exposure could enhance growth prospects while adding to overall portfolio diversification.

Market capitalization Info

  • Mega-cap
    32%
  • Large-cap
    20%
  • Mid-cap
    16%
  • Small-cap
    10%
  • Micro-cap
    6%
  • No data
    5%

The market capitalization breakdown—32% mega, 20% big, 16% medium, 10% small, and 6% micro—indicates a balanced approach, leaning towards larger companies that typically offer stability and reliability. However, the allocation to small and micro-cap stocks introduces growth potential, albeit with increased volatility. Balancing the mix between market capitalizations can optimize growth potential while managing risk.

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 Efficient Frontier analysis suggests that the portfolio could achieve a slightly higher expected return of 2.96% at the same risk level, indicating room for optimization. This optimization does not necessarily mean a complete overhaul but rather a fine-tuning of allocations, potentially by rebalancing between asset classes or adjusting sector exposures to align more closely with the investor's goals and risk tolerance.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Direxion Auspice Broad Commodity Strategy ETF 3.50%
  • iShares® 0-3 Month Treasury Bond ETF 4.50%
  • WisdomTree Bloomberg U.S. Dollar Bullish Fund 4.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • The Real Estate Select Sector SPDR Fund 3.30%
  • Weighted yield (per year) 1.97%

The portfolio's average dividend yield of 1.97% contributes to its total return, providing a steady income stream in addition to capital appreciation. The varied yields across different assets—from high yield in the iShares® 0-3 Month Treasury Bond ETF to lower yield in the Vanguard Total Stock Market Index Fund ETF Shares—demonstrate a strategic balance between income generation and growth potential.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Direxion Auspice Broad Commodity Strategy ETF 0.80%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • WisdomTree Bloomberg U.S. Dollar Bullish Fund 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • The Real Estate Select Sector SPDR Fund 0.09%
  • Weighted costs total (per year) 0.13%

With a total expense ratio (TER) averaging 0.13%, the portfolio is cost-efficient, enhancing net returns over time. The low costs associated with the Vanguard ETFs significantly contribute to this efficiency. However, the higher costs of specialized ETFs like the Direxion Auspice Broad Commodity Strategy ETF should be justified by their expected performance and role in the portfolio.

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