Growth-oriented portfolio with a blend of global stocks and income-generating assets

Report created on Nov 3, 2025

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

This portfolio showcases a strategic mix, heavily weighted towards equities with a 40% allocation in a broad U.S. stock market ETF and a 27% stake in international stocks. The inclusion of specialized small-cap value ETFs, both U.S. and international, at 23% combined, underscores a tilt towards value investing. A 10% allocation in floating rate treasuries adds a layer of income and interest rate risk mitigation. This composition reflects a growth-oriented approach with a diversification strategy aimed at capturing global market returns while managing volatility through fixed income securities.

Growth Info

Historically, the portfolio has demonstrated a robust Compound Annual Growth Rate (CAGR) of 13.58%, with a significant drawdown of -33.70%. This performance metric, alongside the fact that 90% of returns were generated in just 18 days, illustrates the portfolio's volatility and the critical timing of market entry and exit. It's important to note that while past performance is insightful, it's not a reliable predictor of future returns. Investors should consider their ability to withstand similar drawdowns in the future.

Projection Info

Using Monte Carlo simulation, a tool that forecasts potential outcomes by varying random variables within historical constraints, the portfolio's future performance was analyzed. With 1,000 simulations, the median projected growth is substantial, yet it's crucial to understand the wide range of outcomes, from the lower 5th percentile to beyond the 67th percentile. This range underscores the inherent uncertainty in investing, emphasizing the need for a long-term perspective and risk tolerance alignment.

Asset classes Info

  • Stocks
    89%
  • Bonds
    10%
  • Cash
    1%

The portfolio's asset allocation, with 89% in stocks and 10% in bonds, positions it for growth while offering some cushion against market volatility through its bond holdings. This balance supports a growth-focused investment strategy but may not suit those with a low risk tolerance or a short investment horizon. Comparing this allocation to traditional benchmarks, it leans more aggressively towards equities, a stance typically associated with higher expected returns and volatility.

Sectors Info

  • Technology
    19%
  • Financials
    17%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Health Care
    7%
  • Telecommunications
    6%
  • Energy
    5%
  • Basic Materials
    5%
  • Consumer Staples
    4%
  • Real Estate
    2%
  • Utilities
    2%

Sector-wise, the portfolio is well-diversified, with significant allocations in technology, financial services, and industrials. This sectoral spread is beneficial, as it reduces the impact of any single sector underperforming. However, the heavy weighting in technology and financial services sectors could expose the portfolio to sector-specific risks, such as regulatory changes or economic downturns. Balancing sector exposure can mitigate these risks and smooth out returns over time.

Regions Info

  • North America
    57%
  • Europe Developed
    13%
  • Japan
    7%
  • Asia Emerging
    5%
  • Asia Developed
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is predominantly invested in North America (57%), with meaningful exposure to developed Europe and Japan. The minimal allocations to emerging markets and other regions may limit exposure to high-growth opportunities outside of developed markets. Diversifying more broadly geographically can potentially reduce risk and tap into emerging market growth, which often outpaces developed markets over the long term.

Market capitalization Info

  • Mega-cap
    29%
  • Large-cap
    20%
  • Mid-cap
    17%
  • Small-cap
    13%
  • Micro-cap
    8%

The market capitalization breakdown reveals a balanced approach, with allocations across mega to micro-cap stocks. This diversification can help mitigate the risk associated with the volatility of smaller companies, while still allowing investors to benefit from the growth potential of these firms. However, the concentration in mega and big caps indicates a bias towards more established, potentially less volatile companies, which may temper portfolio growth in rapidly growing market segments.

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 portfolio's current configuration is close to the Efficient Frontier, indicating an effective risk-return balance. However, the analysis suggests a potential for a more efficient allocation with an expected return of 2.90% at the same risk level. This optimization underscores the importance of continuous portfolio review and adjustment to maintain an optimal balance between risk and return, adapting to changing market conditions and personal investment goals.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.40%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • WisdomTree Floating Rate Treasury Fund 4.30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 2.14%

The portfolio's dividend yield stands at an overall 2.14%, with individual yields ranging from 1.10% to 4.30% across different assets. This yield contributes to the portfolio's total return, providing a steady income stream in addition to potential capital gains. For investors particularly interested in income, focusing on assets with higher dividend yields while considering the trade-off between yield and growth potential could be beneficial.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • WisdomTree Floating Rate Treasury Fund 0.15%
  • 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) 0.11%

With a total expense ratio (TER) of 0.11%, the portfolio is cost-efficient, which is crucial for long-term growth. Lower costs mean more of the investment's return is retained by the investor, compounding over time. This portfolio's emphasis on low-cost ETFs aligns with best practices for maximizing investment efficiency and long-term wealth accumulation.

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