This portfolio has only about 1.9 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 growth tilted portfolio with strong tech exposure and impressive historic returns at moderate risk

Report created on Dec 16, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is built mainly from broad stock index ETFs, a few focused growth and tech funds, some bonds, plus a single large stock position. The structure leans heavily toward growth and U.S. exposure while still keeping a meaningful slice in bonds and a small allocation to gold and bitcoin. Compared with a typical balanced benchmark, this mix is more stock-heavy and more growth-tilted, which explains both the strong returns and the added bumpiness. Keeping the simple broad-market core is a real strength. To streamline further, it could help to trim overlapping funds that track similar parts of the market and decide clearly how much tilt toward growth and tech you truly want.

Growth Info

Using the reported CAGR (Compound Annual Growth Rate) of 21.22%, a hypothetical $10,000 invested over 10 years would have grown to about $67,000, assuming that rate persisted. That’s far above most balanced benchmarks over the same kind of period, showing how the growth and tech tilt has paid off. The max drawdown of -18.32% is actually quite mild for a growth-leaning portfolio, suggesting the bonds and diversifiers are doing their job. Still, past performance is not a promise; markets go through cycles. It’s worth asking whether you’d stay comfortable if future returns are lower but drawdowns are deeper than what this history shows.

Projection Info

The Monte Carlo analysis runs 1,000 random “what if” paths using historical behavior of these assets to estimate future outcomes. Think of it as simulating many alternate market histories to see a range of possible end values. The median scenario of around 1,571% means $10,000 could hypothetically grow to about $167,000, but the 5th percentile of ~284% shows much more modest results are very possible. The annualized 24.66% across simulations looks high and probably reflects an unusually strong historic period. Simulations rely on the past, so they may understate bad scenarios or regime shifts. Treat them as rough guide rails, not a promise.

Asset classes Info

  • Stocks
    83%
  • Bonds
    13%
  • Other
    4%

The portfolio sits at roughly 83% stocks, 13% bonds, and 4% “other” (gold and bitcoin), with no cash. That’s more aggressive than what many “balanced” benchmarks would show, which might hold about 40–60% in bonds. The upside is stronger long-term growth potential; the trade-off is sharper swings when markets drop. The bond slice, including some high-yield exposure, adds income and cushions volatility, but it’s relatively small versus the equity weight. If stability and smoother ride are priorities, moving a bit more toward high-quality bonds could help. If growth is the main goal and the time horizon is long, the current stock-heavy setup is broadly aligned with that objective.

Sectors Info

  • Technology
    40%
  • Financials
    9%
  • Consumer Discretionary
    7%
  • Industrials
    6%
  • Telecommunications
    6%
  • Health Care
    6%
  • Consumer Staples
    3%
  • Energy
    2%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

About 40% of the portfolio is in technology, with the rest spread across financials, consumer sectors, industrials, healthcare, and more defensive areas. This tech concentration, backed by dedicated tech and semiconductor funds plus a big Apple position, has been a key driver of strong returns. However, tech-heavy portfolios can be more sensitive to interest rate changes, regulatory headlines, and shifts in market sentiment. The other sectors provide some ballast, and the breadth beyond tech is helpful and aligns reasonably well with broad benchmarks. If you’re concerned about a potential tech slump, reducing narrow tech and single-stock exposure while keeping low-cost, diversified index funds at the core could smooth the ride.

Regions Info

  • North America
    71%
  • Europe Developed
    5%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Japan
    2%
  • Australasia
    1%

Geographically, about 71% is in North America, with relatively small slices in Europe, Japan, developed Asia, and emerging Asia. That U.S. tilt is common and has been rewarded over the last decade, since U.S. stocks strongly outperformed many other regions. Compared with global benchmarks, though, this is a sizable home bias, which means more dependence on the U.S. economy, politics, and currency. The existing international and total world funds are a solid step toward diversification and match good practice. If you want to further spread risk, nudging up non-U.S. exposure—especially broad, low-cost global indexes—could help reduce reliance on a single market over the very long term.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    22%
  • Mid-cap
    15%
  • Small-cap
    4%
  • No data
    2%
  • Micro-cap
    1%

The portfolio leans heavily into mega and large companies (about 63% combined), with smaller allocations to mid- and small-caps. This is very similar to major benchmarks, which are market-cap weighted and naturally concentrate in giants. The benefit is stability, stronger balance sheets, and greater liquidity. The mid- and small-cap funds add some diversification and growth potential, particularly if smaller companies outperform in future cycles. The current blend is quite reasonable and familiar to many index-focused investors. If you want more punch and are okay with more volatility, carefully shifting a bit more toward mid/small could make sense; if you prefer steadier behavior, the present tilt toward mega and large is already supportive.

Redundant positions Info

  • Vanguard Intermediate-Term Corporate Bond Index Fund ETF Shares
    Vanguard Total Bond Market Index Fund ETF Shares
    High correlation
  • iShares Russell 1000 Value ETF
    Vanguard Small-Cap Index Fund ETF Shares
    Vanguard Mid-Cap Index Fund ETF Shares
    High correlation
  • Vanguard Russell 1000 Growth Index Fund ETF Shares
    Vanguard Information Technology Index Fund ETF Shares
    iShares Russell 1000 Growth ETF
    Vanguard Total World Stock Index Fund ETF Shares
    Vanguard S&P 500 ETF
    High correlation

Correlation measures how investments tend to move together, from -1 (opposite directions) to +1 (in lockstep). Several groups here are highly correlated: the core U.S. growth and tech funds move similarly, as do the bond funds and the value/mid/small equity cluster. This is normal when using broad index funds, but it means that owning many overlapping funds may not meaningfully increase diversification. In a sharp downturn, these similar assets can all fall together, limiting protection. The presence of gold and bitcoin adds some diversifying behavior, though bitcoin can be very volatile. You might get a cleaner, easier-to-manage portfolio by consolidating overlapping, highly correlated funds while keeping a clear core-plus-satellite structure.

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.

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Risk versus return can be visualized with the Efficient Frontier, a curve showing the best possible trade-offs using your existing building blocks. Here, a more “efficient” mix of the same assets could target a similar risk level but with a higher expected return around 25.87%, or the same expected return with lower risk. Efficiency in this context means maximizing return per unit of volatility, not necessarily maximizing diversification or income. The analysis also notes that reducing overlapping, highly correlated holdings could help move the portfolio closer to that frontier. Periodically revisiting allocation weights across the existing funds—without chasing recent winners—can help maintain a strong risk-return balance over time.

Dividends Info

  • Apple Inc 0.40%
  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • iShares Russell 1000 Value ETF 1.70%
  • iShares Russell 1000 Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.30%
  • SPDR Portfolio High Yield Bond 7.40%
  • Vanguard Small-Cap Index Fund ETF Shares 1.30%
  • Vanguard Intermediate-Term Corporate Bond Index Fund ETF Shares 4.60%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard Mid-Cap Index Fund ETF Shares 1.50%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares 0.50%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.58%

The overall yield of about 1.58% is modest, which is typical for a growth-oriented equity portfolio with a substantial tech tilt. Dividend yield is simply the annual cash payment as a percentage of price, and it can be useful for those who value regular income or want a buffer during flat markets. Here, most of the income comes from bond ETFs and value-tilted funds, which is a healthy mix, while the tech and growth components understandably pay little. For someone focused on long-term growth, this lower yield is not a problem. If predictable income becomes more important later, gradually increasing exposure to higher-yielding, broadly diversified funds could raise the cash flow without overconcentrating in any one area.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • SPDR® Gold Shares 0.40%
  • iShares Bitcoin Trust 0.12%
  • iShares Russell 1000 Value ETF 0.19%
  • iShares Russell 1000 Growth ETF 0.19%
  • VanEck Semiconductor ETF 0.35%
  • SPDR Portfolio High Yield Bond 0.05%
  • Vanguard Small-Cap Index Fund ETF Shares 0.05%
  • Vanguard Intermediate-Term Corporate Bond Index Fund ETF Shares 0.04%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Mid-Cap Index Fund ETF Shares 0.04%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares 0.08%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.08%

The total portfolio expense ratio (TER) of about 0.08% is impressively low and a major strength. TER is like a small annual service fee taken by the funds; keeping it low leaves more of your returns in your own pocket, especially over decades when compounding magnifies differences. Most holdings are extremely cost-efficient index ETFs, and even the more specialized funds are reasonably priced. This aligns closely with best practices for long-term investing and supports better net performance compared with higher-fee setups. The main remaining opportunity is simplifying overlapping positions where similar exposures are held in multiple funds, which can reduce complexity without necessarily lowering costs further.

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