This portfolio has only about 1.6 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 global scattergun approach with a side of crypto and a baffling risk profile

Report created on Sep 4, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is like a world tour with a few peculiar detours. With 65% in stocks, including a hefty dose of Australia and Brazil, it’s like insisting on visiting just two countries repeatedly on a supposed global adventure. The bond allocation is sensible, but the real estate and crypto slices feel like buying souvenirs you’re not sure what to do with. It’s as if you started packing for every possible weather but ended up with an overweight suitcase that's moderately diversified at best.

Growth Info

Historically, this portfolio has strutted around with a CAGR of 12.78%, which isn't shabby. However, considering the max drawdown of -12.73% and that most of its gains came from just nine days, it's like winning the lottery but forgetting where you put the ticket. It’s a rollercoaster where the thrill of the highs barely makes up for the terror of the drops.

Projection Info

Monte Carlo simulations suggest a future with a wide range of outcomes, from modest gains to eye-watering riches, but banking on the upper end is like planning your retirement around winning the jackpot. Remember, simulations are educated guesses, not crystal balls. They're useful for stress-testing your financial resilience, not for promising fortunes.

Asset classes Info

  • Stocks
    65%
  • Bonds
    20%
  • Real Estate
    10%
  • Other
    5%
  • Cash
    1%

With a mix of stocks, bonds, real estate, and a sprinkle of crypto, this portfolio tries to cover all bases but ends up feeling unfocused. It’s like going to a buffet and piling your plate with everything in sight, only to realize you don’t have the appetite or stomach for it all. A more disciplined approach to asset allocation might prevent indigestion.

Sectors Info

  • Financials
    17%
  • Real Estate
    12%
  • Technology
    9%
  • Industrials
    6%
  • Basic Materials
    6%
  • Health Care
    5%
  • Consumer Discretionary
    5%
  • Energy
    5%
  • Consumer Staples
    4%
  • Telecommunications
    3%
  • Utilities
    3%

The sector spread is like a party with an eclectic guest list — financial services and real estate are hogging the conversation, while tech and industrials are waiting for their turn to speak. This imbalance could lead to some awkward silences or heated debates if the market takes a sudden turn.

Regions Info

  • North America
    15%
  • Latin America
    15%
  • Australasia
    15%

Geographically, this portfolio has a strange fascination with Australasia and Latin America, giving it the adventurous spirit of a gap year student. However, ignoring Europe entirely is like skipping the Louvre on a trip to Paris. A little more balance wouldn’t hurt, unless your investment strategy is inspired by a map dart game.

Market capitalization Info

  • Mega-cap
    30%
  • Large-cap
    25%
  • Mid-cap
    14%
  • Small-cap
    4%
  • Micro-cap
    1%

The cap size allocation is like a wardrobe that’s mostly formal wear with a few casual pieces thrown in. With a heavy lean on mega and big caps, it's prepared for a corporate boardroom but might feel out of place at a startup pitch. Diversifying across cap sizes could help it blend in better across market conditions.

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.

Efficiency isn't this portfolio's strong suit, much like a car that guzzles gas but barely passes the emissions test. With an optimal portfolio outperforming at a similar risk level, it's like realizing you've been using a map from 2005 in 2023. A tune-up to realign with modern routes could save on fuel and frustration.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.50%
  • iShares MSCI Australia ETF 3.10%
  • iShares MSCI Brazil ETF 5.50%
  • Schwab U.S. Dividend Equity ETF 3.70%
  • Vanguard Real Estate Index Fund ETF Shares 3.80%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Weighted yield (per year) 3.06%

The dividend yield is respectable, like a steady job that pays well but doesn’t excite you. It’s reliable income, sure, but relying too heavily on dividends is like eating the same sandwich for lunch every day. Diversifying income sources can add some flavor to your investment meal.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • iShares MSCI Australia ETF 0.50%
  • iShares MSCI Brazil ETF 0.59%
  • iShares Bitcoin Trust 0.12%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.21%

The total expense ratio (TER) of 0.21% is relatively light on the wallet, like finding out your favorite snack is on sale. While cost isn't everything, in a portfolio with some questionable choices, it’s a small win. At least you’re not overpaying for the rollercoaster ride.

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