A balanced portfolio with a strong tilt towards international small-cap value and S&P 500 exposure

Report created on Sep 15, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio is heavily weighted towards the Avantis® International Small Cap Value ETF at 68.64%, followed by the SPDR® Portfolio S&P 500 ETF at 24.99%, and a smaller allocation to the PIMCO ETF Trust at 6.37%. This composition suggests a strategic emphasis on international small-cap value stocks, complemented by broad exposure to the U.S. large-cap market and a minor bond presence. The diversification across different asset classes and geographic regions is notable, although there's a pronounced tilt towards specific market segments.

Growth Info

Historically, the portfolio has exhibited a Compound Annual Growth Rate (CAGR) of 22.24%, with a maximum drawdown of -12.89%. Such performance metrics indicate a strong growth trajectory, albeit with periods of significant volatility. The days contributing to 90% of returns being limited to 22 suggests that the portfolio's performance has been driven by a few exceptionally good trading days, emphasizing the importance of staying invested over the long term to capture these gains.

Projection Info

Monte Carlo simulations, which project future portfolio performance based on historical data, show a wide range of potential outcomes. The median simulation predicts a 1,076.3% increase, highlighting the portfolio's potential for substantial growth. However, the reliance on historical data means these projections cannot guarantee future returns, and investors should be aware of the inherent uncertainties in such forecasts.

Asset classes Info

  • Stocks
    93%
  • Bonds
    11%

With 93% in stocks and 11% in bonds (noting an overlap due to rounding), the portfolio is positioned for growth but includes bonds to provide some income and reduce volatility. The heavy stock allocation aligns with the portfolio's balanced risk profile, aiming for higher returns at the expense of increased risk. However, the specific emphasis on international small-cap value stocks is a distinctive strategy that differentiates it from more traditional balanced portfolios.

Sectors Info

  • Industrials
    19%
  • Financials
    15%
  • Consumer Discretionary
    14%
  • Basic Materials
    13%
  • Technology
    11%
  • Energy
    7%
  • Telecommunications
    4%
  • Consumer Staples
    4%
  • Health Care
    3%
  • Utilities
    1%
  • Real Estate
    1%

The sectoral allocation is well-diversified across industrials, financial services, consumer cyclicals, and technology, among others. This spread across sectors can mitigate sector-specific risks and capitalize on growth opportunities in different areas of the economy. However, the concentration in industrials and financial services may expose the portfolio to sectoral shifts affecting these industries.

Regions Info

  • North America
    32%
  • Japan
    25%
  • Europe Developed
    24%
  • Australasia
    7%
  • Africa/Middle East
    3%
  • Asia Developed
    2%

Geographically, the portfolio is diversified across North America, Japan, Europe, and Australasia, with minimal exposure to emerging markets. This distribution suggests a cautious approach to geographic diversification, focusing on developed markets known for their stability and potential for growth. However, the lack of emerging market exposure could mean missing out on higher growth rates in those regions.

Market capitalization Info

  • Mid-cap
    39%
  • Small-cap
    25%
  • Mega-cap
    12%
  • Large-cap
    9%
  • Micro-cap
    2%

The market capitalization breakdown shows a balanced approach, with a focus on medium and small-cap stocks. This indicates a strategy aimed at capturing the higher growth potential of smaller companies, which can offer significant returns but come with increased volatility and risk. The presence of mega and big caps provides some stability and reduces overall portfolio 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.

The current allocation appears well-optimized for a balanced risk-return profile, based on the Efficient Frontier concept. This suggests the portfolio is positioned to achieve the best possible return for its level of risk. However, continuous reassessment is essential to maintain this optimization, especially given market fluctuations and changing investment goals.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.50%
  • PIMCO ETF Trust 5.90%
  • SPDR® Portfolio S&P 500 ETF 1.10%
  • Weighted yield (per year) 3.05%

The portfolio's dividend yield stands at 3.05%, with the highest yield from the PIMCO ETF Trust at 5.90%. This yield contributes to the portfolio's total return, providing a steady income stream in addition to potential capital appreciation. For investors seeking both growth and income, this balanced approach to dividends is beneficial.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • PIMCO ETF Trust 0.55%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Weighted costs total (per year) 0.29%

The total expense ratio (TER) of 0.29% is relatively low, which is favorable for long-term growth as it minimizes the drag on performance due to fees. The SPDR® Portfolio S&P 500 ETF, in particular, has an exceptionally low TER of 0.02%, enhancing its attractiveness as a cost-effective option for gaining exposure to the large-cap U.S. equity market.

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