Efficient equity led portfolio with infrastructure tilt and balanced risk profile for long term growth

Report created on Mar 23, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

The portfolio is dominated by equities, with roughly three-quarters in stock ETFs, a small slice in bonds, and the rest in precious metals and other assets. The biggest positions are two broad US large-cap index ETFs, together making up over half the portfolio, plus a sizable global infrastructure ETF. This structure makes equity growth the main driver, while bonds and metals play supporting roles for stability and diversification. For a “balanced” risk profile, this leans growth‑oriented but not extreme. Anyone using a setup like this should be comfortable with stock market swings while appreciating that the metals and bonds can help soften some, but not all, of the bumps.

Growth Info

From late 2020 to March 2026, a hypothetical $1,000 invested here grew to about $2,017, beating both the US market and global market references. The portfolio’s compound annual growth rate (CAGR) of 14.04% slightly exceeded the US market’s 13.63%, and clearly outpaced the global market’s 11.52%. Max drawdown, at about -22%, was milder than both benchmarks, showing somewhat smoother downside despite strong returns. That mix of above‑market growth and smaller worst‑case drop is a nice alignment with a balanced profile. Still, remember this period was unusually strong for US equities; past results over a specific timeframe don’t guarantee similar outcomes in future markets.

Projection Info

The Monte Carlo projection uses the portfolio’s historical return and volatility to simulate 1,000 possible 10‑year paths for a $1,000 investment. This kind of model repeatedly “re-rolls the dice” on returns based on past patterns, giving a range of potential outcomes instead of a single forecast. Here, most scenarios end positive, with a median cumulative gain of about 468% and even the 5th percentile still positive at roughly 67%. That paints an optimistic picture, but it’s crucial to remember simulations assume the future behaves broadly like the recent past. Structural shifts in markets, interest rates, or policy can easily make future returns very different from these modeled paths.

Asset classes Info

  • Stocks
    76%
  • Other
    10%
  • Bonds
    4%

Asset class-wise, about 76% is in equities, 4% in bonds, and roughly 10% in “other,” mainly gold and silver. Compared with a more traditional balanced mix (for example, something closer to 60/40), this setup is quite equity‑heavy and uses metals instead of a large bond sleeve for diversification. That can work well when stocks are strong and inflation or crisis fears support precious metals, but it also means less classic bond buffering in sharp equity sell‑offs. This allocation is well-balanced for someone comfortable with moderate equity risk while still wanting some downside ballast from bonds and non‑stock diversifiers rather than a very large fixed‑income allocation.

Sectors Info

  • Technology
    19%
  • Industrials
    12%
  • Utilities
    10%
  • Energy
    6%
  • Telecommunications
    6%
  • Financials
    6%
  • Consumer Discretionary
    6%
  • Health Care
    5%
  • Consumer Staples
    3%
  • Basic Materials
    1%
  • Real Estate
    1%

Sector exposure is nicely spread, with technology the largest at 19% but not overwhelmingly dominant. Industrials and utilities are both sizable, with additional meaningful allocations to energy, communication services, financials, consumer cyclicals, and healthcare. This is more balanced than many modern portfolios that are overwhelmingly tech‑heavy, and the noticeable utility and infrastructure exposure generally leans toward more defensive, income‑oriented businesses. In environments with rising interest rates or economic uncertainty, such sectors may behave differently from pure growth areas, helping smooth returns. The sector mix here aligns reasonably well with diversified equity benchmarks while intentionally tilting a bit toward real‑asset and infrastructure‑linked industries.

Regions Info

  • North America
    64%
  • Europe Developed
    6%
  • Australasia
    3%
  • Latin America
    2%
  • Asia Emerging
    1%

Geographically, around 64% is in North America, with smaller slices in developed Europe, Australasia, Latin America, and emerging Asia. That home‑country tilt toward the US is common and has been rewarding over the last decade, thanks to strong performance from American large caps. The trade‑off is higher dependence on the fortunes of a single region’s economy, currency, and policy. Compared with global market indexes, this looks underweight non‑US markets, which can reduce diversification across different economic cycles and political regimes. Still, the existing spread does add some global flavor, and the infrastructure exposure likely draws revenue from multiple regions even when listings are concentrated in developed markets.

Market capitalization Info

  • Mega-cap
    29%
  • Large-cap
    27%
  • Mid-cap
    19%
  • No data
    5%
  • Small-cap
    1%

By market cap, the portfolio leans heavily toward mega and big companies, together over half the allocation, with a smaller portion in medium and very little in small caps. Large and mega‑caps tend to be more stable, widely researched, and often more resilient in stress periods, but they may offer less explosive growth than smaller firms during economic upswings. This tilt lines up with the presence of flagship indexes and growth ETFs. For many investors, a large‑cap focus is a feature, not a bug, since these companies often have stronger balance sheets and diversified revenue streams. The low small‑cap allocation does mean less exposure to that particular long‑term growth factor.

True holdings Info

  • NVIDIA Corporation
    4.98%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard S&P 500 ETF
  • Apple Inc
    4.46%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    3.36%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    2.37%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    2.09%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.75%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    1.70%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.68%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard S&P 500 ETF
  • Tesla Inc
    1.43%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Large-Cap Growth ETF
    • State Street® SPDR® Portfolio S&P 500® ETF
    • Vanguard S&P 500 ETF
  • Nextera Energy Inc
    1.30%
    Part of fund(s):
    • SPDR® S&P Global Infrastructure ETF
    • Vanguard S&P 500 ETF
  • Top 10 total 25.12%

Looking through the ETFs, the portfolio’s largest underlying exposures are familiar mega-cap names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet, plus a notable position in Nextera Energy. These appear across multiple funds, so the true concentration is higher than it looks from ETF tickers alone. For example, NVIDIA near 5% and Apple around 4.5% of total exposure are big drivers of performance and risk. Overlap estimates only use ETF top‑10s, so additional duplication deeper in the holdings is likely. Hidden concentration isn’t automatically bad, but it does mean portfolio behavior will be heavily influenced by a relatively small group of large US growth companies.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 10%
Size
Exposure to smaller companies
Very low
Data availability: 16%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Very high
Data availability: 4%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

Factor exposure shows strong tilts toward yield, low volatility, and momentum, with moderate size and value influences. Factors are like underlying “personality traits” of a portfolio, such as favoring stable, higher‑income companies (yield, low vol) or stocks that have been trending strongly (momentum). A high momentum tilt can support returns when trends persist but may hurt in sharp reversals. Low volatility and yield tilts often cushion downside and add income, fitting a balanced risk profile. Signal coverage is only partial, so these readings are indicative, not precise. Still, this mix suggests the portfolio may behave more defensively than a pure growth basket, while still riding prevailing market trends when they’re strong.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 44.34%
    49.8%
  • SPDR® S&P Global Infrastructure ETF
    Weight: 21.87%
    17.3%
  • State Street® SPDR® Portfolio S&P 500® ETF
    Weight: 10.16%
    11.4%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 6.09%
    8.5%
  • iShares Silver Trust
    Weight: 5.43%
    5.8%
  • Top 5 risk contribution 92.8%

Risk contribution shows how much each holding actually drives overall volatility, which can differ from simple weights. Here, the two S&P 500 ETFs plus the global infrastructure ETF dominate, with the top three positions generating nearly 80% of total portfolio risk. The main S&P 500 fund slightly over-pulls risk relative to its weight, while the growth‑tilted ETF has an even higher risk‑to‑weight ratio, reflecting its more volatile nature. This pattern is common when broad market ETFs and a few thematic tilts anchor the portfolio. Rebalancing or trimming overlapping large-cap US exposures could spread risk more evenly, but if the goal is to lean hard into US large caps, this concentration may be intentional and acceptable.

Redundant positions Info

  • Invesco NASDAQ 100 ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation
  • State Street® SPDR® Portfolio S&P 500® ETF
    Vanguard S&P 500 ETF
    High correlation

Asset correlation measures how often holdings move in the same direction. Here, the S&P 500 ETFs are highly correlated with each other, and the growth and NASDAQ‑100 ETFs also move very similarly. That means several positions are essentially variations on the same US large‑cap growth theme, which limits diversification benefits in market downturns. Even if fund names differ, when their underlying holdings overlap heavily, they tend to rise and fall together. The precious metals and bonds likely offer lower correlation to stocks, adding some diversification. Still, reducing redundancy among closely related equity funds could free up room for assets that truly behave differently under stress, enhancing overall risk management without sacrificing efficiency.

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.

On the risk‑return chart, the current portfolio sits on the efficient frontier, meaning that for its mix of holdings, the weights are already efficient. Its Sharpe ratio of 0.87 is solid, but the model shows an alternative allocation of the same holdings could push that up (optimal portfolio Sharpe ~1.18) with slightly higher return and lower volatility, or dramatically more return at much higher risk. Since the portfolio is already on the frontier, improvements come from reweighting between existing ETFs rather than adding new ones. Given the note on high correlations, nudging weights away from overlapping US large‑cap funds toward diversifiers could further refine the balance without changing the core building blocks.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.90%
  • SPDR® S&P Global Infrastructure ETF 3.00%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard S&P 500 ETF 1.20%
  • State Street® SPDR® Portfolio S&P 500® ETF 1.40%
  • Weighted yield (per year) 1.52%

The portfolio’s overall yield sits around 1.52%, with higher payouts coming from the bond and infrastructure ETFs, while the growth and NASDAQ‑heavy sleeves contribute very little income. This reflects a strategy that prioritizes capital appreciation over regular cash flow. For someone focused on long‑term growth, a modest yield is often fine, as returns largely come from price increases and dividend reinvestment. For investors looking to fund current spending, this level of income might feel light, especially during volatile periods when selling shares is psychologically harder. The good news is that the higher‑yielding pieces, like bonds and infrastructure, provide a stable baseline of cash flow compared with pure growth portfolios.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • SPDR® S&P Global Infrastructure ETF 0.40%
  • iShares Gold Trust 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • iShares Silver Trust 0.50%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.15%

With a total expense ratio around 0.15%, this portfolio is impressively low cost. Most funds used are broad, efficient index ETFs, with only the infrastructure ETF and precious metals trusts charging noticeably more. Low fees matter because they’re one of the few guaranteed levers in investing: every dollar not paid in costs is a dollar that keeps compounding for the investor. Over long horizons, even a 0.3–0.5% annual difference can lead to a sizable gap in ending wealth. This cost profile aligns strongly with best practices and supports better long‑term outcomes, especially when combined with broadly diversified, rules‑based exposure rather than frequent trading or high‑fee active strategies.

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