This portfolio has only about 1.2 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.
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A balanced portfolio with a strong focus on large-cap U.S. equities and moderate tech exposure

Report created on Apr 9, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

The portfolio is predominantly composed of large-cap U.S. equities, with a significant 60% allocation to the Vanguard S&P 500 ETF. This ETF is a staple for many investors, providing broad exposure to the largest U.S. companies. The remaining allocation includes 30% in the Avantis ALL Equity Markets Value ETF, offering a value-oriented approach across global markets, and small portions in Bitcoin and tech-focused ETFs. This composition aligns with a balanced risk profile, but the concentrated exposure to large-cap equities may limit potential diversification benefits. Consider adding other asset classes like bonds to enhance diversification and reduce volatility.

Growth Info

The historical performance of the portfolio, with a CAGR of 6.58%, indicates moderate growth over time. While this is respectable, it's crucial to compare it against relevant benchmarks to assess its competitiveness. The max drawdown of -18.70% highlights potential volatility during market downturns, which is typical for equity-heavy portfolios. Investors should be prepared for such fluctuations and consider strategies to mitigate risk, such as rebalancing or incorporating more defensive assets.

Projection Info

Forward projections using Monte Carlo simulations suggest a wide range of potential outcomes, with the 50th percentile indicating a 351.2% end portfolio value. This analysis uses historical data to model future scenarios, but it's important to note that past performance does not guarantee future results. The simulations show a high probability of positive returns, yet the 5th percentile suggests potential for significant losses. Consider maintaining a diversified approach to manage risks and capitalize on potential growth.

Asset classes Info

  • Stocks
    95%
  • Other
    5%

The asset allocation is heavily weighted towards stocks, comprising 95% of the portfolio, with a small 5% in other assets like Bitcoin. This skew towards equities can drive growth but also increases exposure to market volatility. While this aligns with a growth-oriented strategy, it might not suit investors seeking stability. Diversifying into other asset classes, such as bonds or real estate, could provide a buffer against stock market fluctuations and enhance overall portfolio resilience.

Sectors Info

  • Technology
    26%
  • Financials
    15%
  • Consumer Discretionary
    12%
  • Industrials
    9%
  • Telecommunications
    8%
  • Health Care
    8%
  • Energy
    6%
  • Consumer Staples
    5%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

Sector allocation shows a notable concentration in technology at 26%, followed by financial services and consumer cyclicals. This tech-heavy allocation can lead to higher volatility, especially during periods of interest rate changes or regulatory shifts. While tech sectors offer growth potential, it's crucial to balance this with exposure to other sectors to mitigate sector-specific risks. Consider diversifying into sectors like utilities or healthcare, which may provide more stability and consistent returns.

Regions Info

  • North America
    84%
  • Europe Developed
    5%
  • Japan
    2%
  • Asia Emerging
    2%
  • Asia Developed
    1%
  • Australasia
    1%

Geographically, the portfolio is heavily concentrated in North America, with 84% exposure. This focus on the U.S. market can benefit from the region's economic strength but may also expose the portfolio to regional risks. Comparatively, the portfolio has minimal exposure to emerging markets, which could offer diversification benefits and growth opportunities. Consider increasing allocations to regions like Asia or Europe to balance geographic risks and tap into diverse economic growth drivers.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    29%
  • Mid-cap
    21%
  • Small-cap
    7%
  • Micro-cap
    3%

The portfolio is predominantly invested in large-cap companies, with 64% allocated to mega and big caps. This focus on established companies offers stability and lower volatility compared to smaller caps. However, it may limit growth potential, as smaller companies often deliver higher returns. Including more mid and small-cap stocks could enhance growth prospects and provide better diversification. Assess your risk tolerance and growth objectives to determine the appropriate balance of market capitalizations.

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.

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The portfolio shows potential for optimization using the Efficient Frontier, which aims to achieve the best risk-return ratio. By adjusting allocations among existing assets, investors can enhance efficiency, though this doesn't guarantee diversification or other objectives. This strategy focuses on maximizing returns for a given risk level, which may involve reallocating between high and low-risk assets. Regularly reviewing and rebalancing the portfolio can help maintain alignment with the Efficient Frontier and investment goals.

Dividends Info

  • Avantis ALL Equity Markets Value ETF 1.20%
  • Fidelity® MSCI Information Technology Index ETF 0.50%
  • Vanguard S&P 500 ETF 1.50%
  • Weighted yield (per year) 1.28%

The portfolio's dividend yield stands at 1.28%, primarily driven by the Vanguard S&P 500 ETF. While dividends provide a steady income stream, this yield is modest, reflecting the portfolio's growth orientation. For investors seeking income, exploring higher-yielding assets or dividend-focused strategies might be beneficial. However, it's essential to balance income needs with growth objectives to maintain alignment with long-term financial goals. Consider dividend reinvestment to enhance compounding effects.

Ongoing product costs Info

  • Avantis ALL Equity Markets Value ETF 0.26%
  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.10%

With a total expense ratio (TER) of 0.10%, the portfolio's costs are impressively low, supporting better long-term performance by minimizing fee-related drag on returns. This cost efficiency is a significant advantage, as lower fees can compound over time, enhancing net returns. However, investors should remain vigilant about any changes in fund fees and consider cost-effective alternatives if necessary. Continuously monitoring and managing costs is crucial for optimizing portfolio performance.

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