This portfolio has only about 0 months 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 well-diversified portfolio with a blend of stocks and innovative assets like Bitcoin ETF

Report created on May 12, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification
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Positions

The portfolio is composed predominantly of ETFs, with a significant emphasis on the broad stock market and international equities, alongside a notable allocation to a Bitcoin ETF. This structure reflects a strategic approach to diversification, blending traditional equity investments with exposure to digital assets. The inclusion of both large-cap growth and small-cap index funds indicates a balanced attempt to capture growth across different segments of the market.

Growth Info

Historical performance showcases an exceptionally high Compound Annual Growth Rate (CAGR), although such figures should be approached with caution as past performance is not always indicative of future results. The portfolio's minimal drawdown suggests it has managed risk effectively in the past, but investors should remain aware of the volatility inherent in assets like Bitcoin.

Projection Info

The Monte Carlo simulation, a tool for assessing the potential range of future investment outcomes, indicates an extraordinarily high range of possible returns. While these projections offer a glimpse into the portfolio's potential, it's crucial to understand that such simulations rely on historical data, which may not fully predict future market conditions.

Asset classes Info

  • Stocks
    84%
  • Other
    15%
  • Cash
    1%

With a heavy allocation towards stocks and a smaller, yet significant, investment in a Bitcoin ETF, the portfolio leans towards growth-oriented assets. This allocation aligns with a strategy seeking higher returns, albeit with a higher risk profile. The minimal cash holding suggests a full deployment of capital towards growth opportunities.

Sectors Info

  • Technology
    22%
  • Financials
    14%
  • Consumer Discretionary
    9%
  • Industrials
    9%
  • Health Care
    9%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    3%
  • Real Estate
    3%
  • Utilities
    2%

The sectoral composition is broad, with technology and financial services taking the lead. This is in line with global market trends, where these sectors often dominate due to their size and impact on the economy. However, investors should monitor sector concentrations to ensure they remain comfortable with the risk levels associated with sector-specific volatility.

Regions Info

  • North America
    63%
  • Europe Developed
    9%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographic exposure is heavily weighted towards North America, with diversified but lesser allocations across developed and emerging markets. This positioning likely reflects a confidence in the North American market's stability and growth potential, though it may limit exposure to potentially higher growth opportunities in emerging markets.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    23%
  • Mid-cap
    16%
  • Small-cap
    8%
  • Micro-cap
    2%

The distribution across different market capitalizations—mega to micro—demonstrates a strategy designed to balance the stability of large-cap companies with the growth potential of smaller firms. This balance is crucial for diversification and managing overall portfolio risk.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Vanguard Small-Cap Index Fund ETF Shares
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation among the large-cap growth ETF, small-cap index ETF, and the total stock market ETF suggests some redundancy in exposure. This overlap could limit the portfolio's diversification benefits, especially during market downturns where these assets might move in tandem.

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 Efficient Frontier analysis suggests that the portfolio could achieve a higher expected return at the same risk level by adjusting its asset allocation. Reducing overlap in highly correlated assets could enhance diversification and potentially improve the risk-return profile. This optimization process underscores the importance of continually reviewing and adjusting the portfolio to align with investment goals and market conditions.

Dividends Info

  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Small-Cap Index Fund ETF Shares 1.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.30%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 1.44%

The dividend yields, while varied across the ETFs, contribute a steady income stream, enhancing the portfolio's total return. The higher yield on the international stock index ETF suggests a beneficial diversification effect, providing income in addition to potential capital appreciation.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Small-Cap Index Fund ETF Shares 0.05%
  • 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) 0.05%

The portfolio's overall low cost, as indicated by the Total Expense Ratio (TER), positions it well for long-term growth by minimizing the drag on performance. Keeping investment costs low is a fundamental principle for maximizing returns over time.

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