A balanced and highly diversified portfolio with a strategic focus on long-term growth

Report created on Aug 19, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio showcases a balanced mix of asset classes, with a significant emphasis on equities (74%) through a combination of U.S., international, and sector-specific ETFs. The allocation includes 20% in bonds, providing stability, and a 5% investment in real estate for diversification and income. This composition aligns well with a balanced risk profile, aiming to offer growth while mitigating volatility through diversification across asset classes and sectors.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 12.19%, with a maximum drawdown of -28.97%. These figures suggest a resilient performance across various market conditions, with the drawdown indicating the portfolio's risk level during downturns. The historical performance, especially the days contributing to 90% of returns, underscores the importance of staying invested over the long term to capture significant growth opportunities.

Projection Info

Utilizing Monte Carlo simulations, which project future performance based on historical data, this portfolio shows a wide range of potential outcomes. With the majority of simulations (992 out of 1,000) resulting in positive returns and a median projected increase of 468.1%, the forward-looking analysis supports the portfolio's potential for substantial growth. However, it's crucial to remember that these projections are speculative and should not be the sole basis for investment decisions.

Asset classes Info

  • Stocks
    74%
  • Bonds
    20%
  • Real Estate
    5%
  • Cash
    1%

The allocation across asset classes—stocks, bonds, and real estate—reflects a well-rounded approach to achieving growth while managing risk. Equities provide growth potential, bonds offer stability and income, and real estate can serve as a hedge against inflation. This diversified approach is suitable for a balanced investor profile, aiming to strike a balance between risk and return.

Sectors Info

  • Technology
    19%
  • Financials
    10%
  • Consumer Discretionary
    8%
  • Industrials
    7%
  • Health Care
    7%
  • Real Estate
    6%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    2%
  • Utilities
    1%

The sectoral allocation reveals a strategic emphasis on technology (19%), financial services (10%), and consumer cyclicals (8%), among others. This distribution suggests a growth-oriented strategy, given the significant weight in sectors known for innovation and economic sensitivity. However, the concentration in technology also implies potential volatility, which is somewhat mitigated by the diversification across other sectors.

Regions Info

  • North America
    60%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographic diversification is evident, with 60% allocated to North America and a meaningful exposure to developed Europe (8%), Asia, and other regions. This global exposure enhances the portfolio's growth potential by tapping into various economic cycles and market dynamics. However, the limited exposure to emerging markets might be a missed opportunity for higher growth, albeit with increased risk.

Market capitalization Info

  • Mega-cap
    29%
  • Large-cap
    28%
  • Mid-cap
    16%
  • Small-cap
    4%
  • Micro-cap
    1%

The market capitalization breakdown—mega (29%), big (28%), and medium (16%)—indicates a preference for large and established companies, which typically offer stability and consistent returns. However, the relatively smaller allocation to small and micro-cap stocks suggests a cautious approach to risk, potentially limiting exposure to high-growth opportunities in these segments.

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, this portfolio seems well-positioned near the optimal balance of risk and return for its given asset mix. While there's always room for incremental adjustments, the current allocation suggests a thoughtful approach to achieving the best possible risk-return ratio. Investors might consider periodic reviews to ensure alignment with their evolving risk tolerance and financial goals.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • Invesco QQQ Trust 0.50%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • VanEck Semiconductor ETF 0.40%
  • Vanguard Real Estate Index Fund ETF Shares 3.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 2.30%

The dividend yield across various holdings contributes to the portfolio's total income, with an overall yield of 2.30%. This income stream, combined with capital appreciation, forms a dual approach to generating returns. For investors seeking steady income in addition to growth, this balanced yield is a positive feature, though the specific allocation to higher-yielding assets may be adjusted based on income needs and risk tolerance.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Invesco QQQ Trust 0.20%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.07%

The portfolio's overall expense ratio is remarkably low at 0.07%, reflecting cost-efficient investment choices. Low costs are crucial for long-term investment success, as they directly enhance net returns. This portfolio exemplifies how selecting low-cost funds can play a vital role in maximizing investment growth over time.

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