A balanced and highly diversified portfolio with strong emphasis on stocks and global exposure

Report created on Oct 3, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio showcases a significant allocation towards the BlackRock 80/20 Target Allocation Fund, making up over three-quarters of the total assets. This fund, combined with the Vanguard S&P 500 ETF, Vanguard FTSE Europe Index Fund ETF Shares, and other holdings, indicates a strategic blend of domestic and international equities, bonds, and a small portion classified as 'Other'. The heavy weighting towards a single fund suggests a preference for managed allocation strategies, potentially reducing the need for frequent personal rebalancing. However, this concentration also introduces a level of fund-specific risk.

Growth Info

The portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 11.78%, with a maximum drawdown of -29%. The days contributing most significantly to returns highlight the portfolio's sensitivity to market movements. This performance, relative to the risk score of 4 out of 7, suggests a balanced approach to growth and risk management. The performance metrics underscore the portfolio's ability to capture upside while navigating market volatility, a testament to its diversified and balanced nature.

Projection Info

Monte Carlo simulations, utilizing a thousand scenarios, predict a wide range of outcomes with a median increase of 279.9%. This forward-looking tool, while based on historical data, offers a probabilistic view of potential future returns, emphasizing the portfolio's solid growth prospects. However, it's crucial to remember that these projections are speculative and depend on market conditions persisting in line with historical patterns.

Asset classes Info

  • Stocks
    82%
  • Bonds
    15%
  • Other
    4%

The asset class distribution, with 82% in stocks and 15% in bonds, aligns with the portfolio's balanced risk profile. This mix supports growth through equity investments while using bonds to mitigate volatility and provide income. The 'Other' category, comprising 4%, may include alternative investments, adding another layer of diversification. Comparing this allocation to typical balanced portfolios, the equity-heavy approach leans towards growth, fitting for investors comfortable with moderate risk.

Sectors Info

  • Technology
    29%
  • Financials
    17%
  • Telecommunications
    9%
  • Industrials
    9%
  • Health Care
    9%
  • Consumer Discretionary
    8%
  • Consumer Staples
    6%
  • Energy
    3%
  • Utilities
    3%
  • Basic Materials
    3%
  • Consumer Discretionary
    2%
  • Real Estate
    2%

Sector allocation reveals a robust tilt towards technology and financial services, comprising nearly half of the portfolio. This concentration in high-growth areas can enhance returns but also increases sensitivity to sector-specific downturns. The presence of diversified sectors like healthcare, industrials, and consumer goods, however, helps to balance this risk. It's essential to monitor these allocations, ensuring they remain aligned with your risk tolerance and market outlook.

Regions Info

  • North America
    75%
  • Europe Developed
    12%
  • Asia Emerging
    5%
  • Asia Developed
    3%
  • Japan
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is predominantly invested in North America (75%), with meaningful exposure to developed Europe (12%) and emerging Asian markets (5%). This distribution suggests a strong foundation in more stable, developed markets while still capturing growth potential from emerging economies. The limited exposure to high-growth regions like Asia Emerging could be an area for potential enhancement, depending on your risk appetite and investment horizon.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    28%
  • Mid-cap
    12%
  • Small-cap
    2%
  • Micro-cap
    1%

With 39% in mega-cap and 28% in large-cap stocks, the portfolio is positioned to benefit from the stability and potential growth of the world's largest companies. The smaller allocations to mid, small, and micro-caps offer growth opportunities and diversification benefits but with increased volatility. This market cap distribution is typical for investors seeking a mix of growth and stability within a balanced risk framework.

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.

The current allocation suggests a well-considered balance between risk and return, potentially located near the Efficient Frontier, indicating an optimized risk-return trade-off. However, continuous evaluation and slight adjustments can further enhance this positioning. Considering the portfolio's heavy reliance on a single fund, diversifying across additional asset classes or strategies may offer improved efficiency and resilience against market fluctuations.

Dividends Info

  • AMERICAN FUNDS 2055 TARGET DATE RETIREMENT FUND CLASS A 2.70%
  • BlackRock 80/20 Target Allocation Fund C 7.60%
  • iShares Core Dividend Growth ETF 2.00%
  • FIDELITY EMERGING MARKETS DISCOVERY FUND FIDELITY EMERGING MARKETS DISCOVERY FUND 3.20%
  • Franklin FTSE India ETF 0.80%
  • iShares Core S&P Small-Cap ETF 1.90%
  • Vanguard FTSE Europe Index Fund ETF Shares 2.90%
  • Vanguard S&P 500 ETF 1.10%
  • Weighted yield (per year) 6.21%

The portfolio's dividend yield stands at 6.21%, contributed by a mix of equity funds and ETFs. This yield is a significant component of total return, especially in a balanced portfolio where income complements capital appreciation. The high yield from the BlackRock 80/20 Target Allocation Fund significantly boosts the portfolio's income profile, illustrating the benefit of including income-focused investments in a diversified portfolio.

Ongoing product costs Info

  • AMERICAN FUNDS 2055 TARGET DATE RETIREMENT FUND CLASS A 0.73%
  • BlackRock 80/20 Target Allocation Fund C 0.31%
  • iShares Core Dividend Growth ETF 0.08%
  • FIDELITY EMERGING MARKETS DISCOVERY FUND FIDELITY EMERGING MARKETS DISCOVERY FUND 0.97%
  • Franklin FTSE India ETF 0.19%
  • iShares Core S&P Small-Cap ETF 0.06%
  • Vanguard FTSE Europe Index Fund ETF Shares 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.28%

Total Expense Ratio (TER) averages to 0.28%, a competitive rate that reflects efficient cost management across the portfolio's holdings. Lower costs directly translate to higher net returns over time, making cost efficiency a critical aspect of long-term investment success. The varied TERs among the funds and ETFs highlight the importance of monitoring investment costs, ensuring they remain aligned with the value received.

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