This portfolio has only about 1.4 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 growth-focused portfolio with high US market exposure and an adventurous step into cryptocurrency

Report created on May 26, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

This portfolio is distinctly characterized by its heavy allocation towards US equities, split across large-cap, mid-cap, and small-cap ETFs, comprising 90% of the total investment. The inclusion of a Bitcoin Trust ETF as a 10% allocation introduces an element of high risk and high reward, potentially increasing the portfolio's volatility. The diversification across market capitalizations is commendable, though the single-focused nature on stocks and a significant bet on cryptocurrency suggests a more aggressive growth strategy.

Growth Info

Historically, this portfolio has shown impressive growth with a Compound Annual Growth Rate (CAGR) of 19.72%. However, the maximum drawdown of -21.54% indicates periods of significant volatility, likely influenced by the high-risk profile of the Bitcoin investment and market fluctuations affecting the small and mid-cap sectors. The days contributing most to returns highlight the portfolio's susceptibility to sharp, short-term gains, typical of growth-focused investments.

Projection Info

Utilizing Monte Carlo simulations, which project future performance based on historical data, we see a wide range of potential outcomes. While past performance is not indicative of future results, the simulations suggest a strong likelihood of positive returns, with a median projection significantly higher than the initial investment. This optimistic outlook must be balanced with the understanding that simulations cannot predict sudden market changes or new risks.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

The asset allocation leans heavily towards stocks (90%) with a speculative position in cryptocurrency (10%). This mix supports a growth-oriented strategy but lacks in bonds or other fixed-income securities that could provide stability during market downturns. For a growth-focused investor, this allocation is aggressive yet potentially rewarding, assuming a high risk tolerance.

Sectors Info

  • Technology
    20%
  • Financials
    16%
  • Industrials
    13%
  • Consumer Discretionary
    11%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Telecommunications
    5%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    1%
  • Real Estate
    1%

Sector distribution within the stock allocation shows a balanced approach, with a notable emphasis on technology and financial services. This sectoral spread is in line with a growth strategy, capitalizing on sectors known for innovation and economic sensitivity. However, the heavy weighting towards technology could expose the portfolio to sector-specific risks, such as regulatory changes or market sentiment shifts.

Regions Info

  • North America
    89%
  • Europe Developed
    1%

The geographic allocation is overwhelmingly North American (89%), with minimal exposure to developed Europe and no direct investments in emerging or other developed markets. This concentration enhances the portfolio's growth potential but also increases its vulnerability to regional economic cycles and geopolitical tensions within North America.

Market capitalization Info

  • Mega-cap
    23%
  • Small-cap
    22%
  • Large-cap
    17%
  • Mid-cap
    17%
  • Micro-cap
    10%

The market capitalization breakdown shows a balanced exposure across mega, small, big, medium, and micro caps. This diversification can mitigate some risks associated with market volatility, as different cap sizes react differently to economic changes. However, the combined exposure to smaller caps and a significant cryptocurrency position underscores the portfolio's aggressive growth orientation.

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.

Considering the Efficient Frontier, there may be opportunities to optimize the risk-return profile by adjusting the asset allocation. While the current setup is aggressive, fine-tuning the balance between equities and the Bitcoin Trust, or introducing other asset classes, could achieve a more efficient distribution of risk for the same or higher expected return. This optimization process, however, should align with the investor's risk tolerance and investment horizon.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.80%
  • Vanguard S&P 500 ETF 1.30%
  • Invesco S&P MidCap Quality ETF 5.30%
  • Weighted yield (per year) 2.07%

The dividend yield across the ETFs averages to 2.07%, contributing to the portfolio's total return. While not the primary focus of a growth strategy, these dividends provide a modest income stream and can be reinvested for compounding growth. The high yield from the Invesco S&P MidCap Quality ETF is particularly notable, offering an income boost alongside capital appreciation potential.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard S&P 500 ETF 0.03%
  • Invesco S&P MidCap Quality ETF 0.25%
  • Weighted costs total (per year) 0.12%

With a total expense ratio (TER) of 0.12%, the portfolio benefits from low management costs, which is crucial for maximizing long-term returns. The Vanguard S&P 500 ETF's exceptionally low cost is a highlight, ensuring that a significant portion of the portfolio's growth is not eroded by fees. Keeping costs low is a best practice in portfolio management, enhancing net returns over time.

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