Balanced and diversified portfolio with a focus on growth and low costs

Report created on Jul 19, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

Your portfolio is structured around a core of large-cap U.S. equities, represented by the Vanguard S&P 500 ETF, complemented by international diversification through the Vanguard Total International Stock Index Fund ETF Shares. The inclusion of the Avantis® U.S. Small Cap Value ETF introduces a value-oriented approach to small-cap stocks, while the iShares® 0-3 Month Treasury Bond ETF offers a conservative balance, enhancing liquidity and reducing overall volatility. This composition aligns well with a balanced risk profile, leveraging the growth potential of stocks with the stability of short-term bonds.

Growth Info

Historically, your portfolio has shown a Compound Annual Growth Rate (CAGR) of 15.08%, with a maximum drawdown of -23.68%. These figures suggest a robust performance, balancing periods of significant growth with the expected downturns inherent in a diversified stock portfolio. The days contributing most to returns highlight the impact of market timing and the importance of staying invested through market cycles for long-term growth.

Projection Info

Using Monte Carlo simulations, which project future performance based on historical data, your portfolio shows a wide range of potential outcomes. While past performance is not a guarantee of future results, these simulations suggest a strong likelihood of positive returns, with a median projected increase of 446.2%. This indicates a solid foundation for growth, though it's crucial to remember that these projections are hypothetical and subject to change based on market conditions.

Asset classes Info

  • Stocks
    94%
  • Cash
    6%

Your portfolio's asset allocation leans heavily towards stocks (94%), with a minor allocation in cash equivalents (6%) through the short-term bond ETF. This distribution supports a growth-oriented strategy while offering some liquidity. Diversification across asset classes could be further optimized by considering the inclusion of other asset types, such as fixed income or real estate, to enhance risk-adjusted returns.

Sectors Info

  • Technology
    22%
  • Financials
    18%
  • Industrials
    11%
  • Consumer Discretionary
    11%
  • Health Care
    8%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

The sectoral distribution within your portfolio is well-diversified, with significant allocations in technology, financial services, and industrials. This diversification helps mitigate sector-specific risks, though the heavy weighting in technology and financial services mirrors broader market trends and may increase volatility. Balancing sector exposure can further reduce risk and capitalize on growth opportunities across the economy.

Regions Info

  • North America
    62%
  • Europe Developed
    14%
  • Asia Emerging
    6%
  • Japan
    5%
  • Asia Developed
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, your portfolio shows a strong bias towards North America (62%), with meaningful exposure to developed European markets and emerging markets in Asia. This global diversification enhances growth potential and reduces the risk of regional downturns significantly impacting the portfolio. However, further diversification into underrepresented regions could offer additional benefits.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    28%
  • Mid-cap
    15%
  • Small-cap
    6%
  • Micro-cap
    5%

The market capitalization breakdown reveals a focus on mega and big-cap stocks, which tend to be more stable and less volatile than smaller companies. While this supports the portfolio's balanced risk profile, incorporating a greater variety of medium, small, and micro-cap stocks could improve potential returns by capturing the growth dynamics of smaller companies.

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.

Your portfolio's alignment with the Efficient Frontier suggests it is optimized for the best possible risk-return ratio given its current composition. While this indicates a strong foundation, it's important to review this alignment periodically. Market conditions and your financial goals evolve, which may necessitate adjustments to maintain optimal efficiency.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • iShares® 0-3 Month Treasury Bond ETF 4.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.98%

The dividend yield across your portfolio averages 1.98%, contributing to total returns. This yield, combined with capital appreciation, underscores the portfolio's balanced approach, providing income while still focusing on growth. Regularly reviewing dividend-yielding assets can ensure they align with your income needs and growth objectives.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

The Total Expense Ratio (TER) of 0.06% is impressively low, maximizing the potential for net returns. Keeping costs low is crucial for long-term investment success, as high fees can significantly erode gains. Your choice of low-cost ETFs demonstrates a sound strategy for cost-efficient investing.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey