A growth tilted balanced portfolio with strong diversification and a notable tech and NVIDIA bias

Report created on Jan 31, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio is built around broad stock index funds, with a sizeable tilt to a single growth stock and a handful of diversifiers like commodities, cash equivalents, real estate, bitcoin, and a dollar fund. Compared with a typical balanced benchmark, it holds more equities and less in traditional bonds, which explains the “Balanced but growthy” profile. This structure is powerful for long‑term compounding, but it does mean bigger swings when markets move. Keeping the core in broad, low‑cost funds is a real strength here. Periodically checking whether the single‑stock and niche allocations still match your comfort with ups and downs can help keep the mix aligned with your goals.

Growth Info

Historically, this mix has delivered a very strong compound annual growth rate (CAGR) of about 24.9%. CAGR is like measuring the average speed of a car over a long trip, smoothing out bumps along the way. A max drawdown of around ‑18.9% suggests past declines were milder than many equity‑heavy portfolios during big crashes, which is impressive for this level of growth. Compared with typical balanced benchmarks, both growth and volatility appear elevated but not extreme. It is important to remember that markets change, and such high growth is unlikely to persist forever. Treat this track record as proof the structure can harness strong markets, not as a guarantee of similar future results.

Projection Info

The Monte Carlo analysis uses 1,000 simulations based on historical patterns to explore future paths, a bit like running many “what if” market scenarios. The median (50th percentile) ending value above 1,500% and even the conservative 5th percentile above 200% both point to strong potential growth if conditions rhyme with the past. An annualized simulated return above 25% is exceptional, but models rely on history and assumptions that may not hold. Simulations cannot predict black swan events, regime shifts, or structural changes. Treat these projections as a rough range of possibilities rather than a forecast. Aligning expectations more conservatively can help you stay invested through inevitable rough patches.

Asset classes Info

  • Stocks
    84%
  • Cash
    6%
  • Bonds
    3%
  • Other
    3%
  • Real Estate
    3%

Roughly 84% sits in stocks, with small slices in cash, bonds, real estate, and “other” assets like commodities and bitcoin. Compared with a classic 60/40 stock‑bond benchmark, this leans clearly toward growth, explaining both the strong returns and the higher risk score. The small bond and cash bucket provides a modest buffer and some dry powder, but will not fully cushion a deep equity downturn. The good news is that this stock focus is diversified across many styles and regions. If future volatility feels too intense, gently nudging more into bonds or very short‑term instruments can dial risk down without blowing up the overall strategy.

Sectors Info

  • Technology
    28%
  • Financials
    13%
  • Industrials
    9%
  • Consumer Discretionary
    8%
  • Health Care
    7%
  • Telecommunications
    6%
  • Real Estate
    5%
  • Basic Materials
    4%
  • Consumer Staples
    3%
  • Energy
    3%
  • Utilities
    2%

Sector exposure is broad, with all major areas represented, but technology is clearly in the driver’s seat at around 28%, boosted further by the 10% single‑stock NVIDIA position. Financials, industrials, healthcare, and consumer sectors all show meaningful weights, which is healthy and aligns fairly well with broad market standards. Tech‑heavy portfolios tend to shine when growth and innovation are rewarded but can be hit harder when interest rates rise or sentiment shifts away from high‑growth names. The real estate sleeve adds some diversification, though it also responds to rates. Periodic checks on whether the tech and NVIDIA tilt remains intentional can help avoid drifting into a risk profile that feels too “all‑in” on one theme.

Regions Info

  • North America
    65%
  • Europe Developed
    10%
  • Japan
    5%
  • Asia Emerging
    3%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, about two‑thirds is in North America, with the rest spread across developed Europe, Japan, developed and emerging Asia, plus small allocations to Australasia and Africa/Middle East. This looks quite similar to a global market‑cap benchmark and is a big strength: it reduces the risk of being overexposed to any single foreign region. The added international small‑cap value fund deepens global diversification in parts of the market many portfolios skip. Home bias toward the US is present but not extreme for a US‑based investor. If future concerns arise about US dominance or currency risk, gradually adjusting the split toward more non‑US holdings could further broaden the opportunity set while keeping the overall structure familiar.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    21%
  • Mid-cap
    17%
  • Small-cap
    8%
  • Micro-cap
    4%
  • No data
    3%

The size mix spans mega, large, mid, small, and even micro‑cap companies, with the bulk still anchored in mega and large caps. This pattern is close to global equity norms, but the added small‑cap value funds and the NVIDIA position create a tilt toward both the smallest and some of the fastest‑growing corners. Larger companies usually bring more stability and resilience, while small caps and micro caps can amplify both upside and downside. This blend is well‑positioned for long‑term growth, especially in strong economic cycles. If day‑to‑day volatility ever feels uncomfortable, trimming the smallest or most concentrated pieces while leaving the broad funds intact can soften the ride without changing the core philosophy.

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.

From a risk versus return angle, this portfolio appears to sit on the higher‑return, higher‑risk side of what is possible with its current ingredients. The “Efficient Frontier” is just a curve showing the best risk‑return trade‑offs you could get by mixing these same holdings in different proportions. Here, shifting a bit from concentrated positions and more volatile niche exposures into the broad stock and defensive funds could likely move the portfolio closer to that efficient line, meaning the same return potential for slightly less risk. Efficiency in this context is only about risk‑adjusted performance, not about matching personal preferences like income, values, or simplicity.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.50%
  • Direxion Auspice Broad Commodity Strategy ETF 2.90%
  • iShares® 0-3 Month Treasury Bond ETF 4.10%
  • WisdomTree Bloomberg U.S. Dollar Bullish Fund 3.90%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • The Real Estate Select Sector SPDR Fund 3.40%
  • Weighted yield (per year) 1.74%

The portfolio’s total yield around 1.74% is modest, but that is normal for a growth‑oriented equity mix tilted toward total return rather than income. Yield simply measures cash payouts relative to the portfolio value, and here it comes mainly from international stocks, real estate, and short‑term Treasuries. This structure suits investors who care more about long‑term wealth building than high current income. It is also helpful from a tax and reinvestment standpoint, as lower yield means more return shows up as price growth. If future income needs increase, gradually shifting some allocation toward higher‑yielding holdings while preserving diversification could boost cash flow without abandoning the overall approach.

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 Bitcoin Trust 0.12%
  • 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) 0.10%

The weighted total expense ratio (TER) of about 0.10% is excellent and a genuine highlight. TER is the annual fee charged by funds, and keeping it low leaves more of the return in your pocket every year. This cost level is significantly below many actively managed or more complex portfolios. While a few satellite holdings carry higher expense ratios, the heavy weights in ultra‑low‑cost index funds more than offset them. Over decades, even a small TER advantage compounds into a meaningful difference. Maintaining this discipline on costs and being cautious about adding expensive, redundant products can support better long‑term outcomes without extra effort or risk.

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