This portfolio has only about 1.5 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 broadly diversified equity portfolio with strong US focus and tilted exposure to small value and growth

Report created on Dec 14, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is almost entirely in equities and real estate, with roughly 91% in stocks and 8% in listed property. Cash and bonds are effectively at 0%, which is aggressive for a “balanced” risk label but still within reason for a growth‑minded investor. The holdings are spread across many ETFs and funds, some of which track similar indexes. A structure like this can behave similarly to a simpler global equity portfolio, just with more moving parts. Streamlining overlapping positions while keeping the overall equity allocation and style tilts could keep the risk/return profile similar, but make rebalancing, tax management, and tracking performance much easier over time.

Growth Info

With a historical compound annual growth rate (CAGR) of 17.02%, this portfolio has delivered very strong returns. CAGR is like your average speed on a road trip: it smooths out the ups and downs to show long‑term pace. A maximum drawdown of -17.89% means the worst peak‑to‑trough loss was meaningfully milder than many equity‑heavy benchmarks during major crashes, which is encouraging. However, 7 days making up 90% of returns highlights how a few big days drive long‑term results. That underlines the benefit of staying fully invested rather than trying to time the market, since missing only a handful of strong days could dramatically lower realized returns.

Projection Info

The Monte Carlo analysis runs 1,000 simulations using past patterns of returns and volatility to estimate future paths. Think of it as rolling digital dice many times to see a range of possible journeys for the same portfolio. The median outcome of about 817.5% suggests a strong central growth path, while even the 5th percentile at roughly 206.5% is positive, implying resilience under many scenarios. The average simulated annual return of 18.63% is impressive, but it is still based on historical behavior. Since markets change, these projections should be treated as rough guideposts, not promises, and used mainly to stress‑test expectations and check whether return goals seem broadly realistic.

Asset classes Info

  • Stocks
    91%
  • Real Estate
    8%

The allocation is extremely equity‑heavy relative to most “balanced” benchmarks, which usually mix a meaningful chunk of bonds for stability. Having 91% in stocks and 8% in real estate maximizes exposure to growth and inflation protection but also leaves the portfolio more exposed to large temporary drops. This structure suits someone prioritizing long‑term growth over short‑term comfort. To better match a classic balanced profile, introducing a modest layer of high‑quality defensive assets could smooth the ride. If the growth‑first profile is intentional, it can still help to define a clear rebalancing plan so that any future drawdowns are handled calmly rather than triggering emotional reactions at the worst possible time.

Sectors Info

  • Technology
    19%
  • Financials
    18%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Real Estate
    9%
  • Health Care
    9%
  • Energy
    6%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Utilities
    2%
  • Consumer Discretionary
    1%

Sector exposure is broad, with all 11 major sectors represented and no single area dominating excessively. Technology at 19% and financial services at 18% are slightly elevated versus many broad benchmarks, while real estate at 9% is higher due to the dedicated REIT allocation. This spread is healthy and “your portfolio's sector composition matches benchmark data, which is a strong indicator of diversification.” The slight tilt toward growth‑sensitive sectors can boost returns when the economy and earnings are strong, but may lead to sharper pullbacks when rates rise or growth slows. Keeping an eye on whether any one theme becomes outsized over time can prevent unintended concentration.

Regions Info

  • North America
    78%
  • Europe Developed
    14%
  • Japan
    4%
  • Asia Developed
    2%
  • Australasia
    1%
  • Asia Emerging
    1%

Geographically, around 78% sits in North America with the rest mainly in developed Europe and Japan. This mirrors a typical US‑home‑biased investor who leans toward domestic markets while still holding a supporting slice of international stocks. Many global benchmarks allocate closer to 60%–65% to the US, so this portfolio is moderately overweight the home market. That bias has helped over the last decade, as US companies have outperformed many peers, but it also means more exposure if the US experiences a weaker cycle. Gradually nudging the international share closer to global market weights can further spread currency and political risk without abandoning the comfort of strong US exposure.

Market capitalization Info

  • Mega-cap
    28%
  • Large-cap
    24%
  • Mid-cap
    18%
  • Small-cap
    16%
  • Micro-cap
    11%

The spread across company sizes is well‑balanced: about 28% mega, 24% big, 18% medium, 16% small, and 11% micro caps. This creates a nice blend of stability from larger firms and extra growth and risk from smaller companies. The notable tilt to small and micro caps can boost long‑term returns, but also adds volatility because these stocks often move more during market stress. “This allocation is well-balanced and aligns closely with global standards,” just with a conscious lean into smaller businesses. Keeping this tilt is reasonable if the time horizon is long; for shorter horizons, slightly dialing back the smallest‑cap slice could reduce sharp swings while maintaining diversification.

Redundant positions Info

  • Schwab U.S. Small-Cap ETF
    Avantis® U.S. Small Cap Value ETF
    Dimensional ETF Trust
    High correlation
  • Schwab Fundamental International Large Company Index ETF
    Dimensional International Value ETF
    Schwab International Equity ETF
    Capital Group International Equity ETF
    Capital Group International Core Equity ETF
    High correlation
  • Schwab Fundamental U.S. Large Company Index ETF
    T. Rowe Price Dividend Growth ETF
    High correlation
  • T. Rowe Price Exchange-Traded Funds, Inc.
    Schwab U.S. Large-Cap Growth ETF
    Schwab S&P 500 Index Fund
    High correlation

Several groups of holdings are highly correlated, meaning they tend to move almost in lockstep. Correlation is simply how similarly two assets move; when it’s high, they often go up and down together. For example, the US small‑cap ETFs form one correlated cluster, and several international value and core ETFs form another. Similarly, some large‑cap US and dividend funds overlap heavily. Highly correlated assets provide limited diversification during downturns, even if the ticker list looks long. Consolidating within each cluster into fewer, broader funds could keep the same style tilts and risk level while cutting complexity. That would also make it easier to manage taxes and track the true drivers of performance.

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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From a risk‑return optimization standpoint, this portfolio sits close to the efficient frontier for an equity‑heavy mix, but there is room to refine. The “Efficient Frontier” is the set of portfolios that offer the best possible return for each level of risk using available assets. Here, overlapping, highly correlated funds likely push the portfolio slightly inside that frontier, meaning a simpler mix could achieve similar returns with a bit less volatility. Optimization would focus on reweighting existing holdings rather than adding new products, while keeping the same broad equity and factor exposure. It’s important to remember that “efficiency” is about the risk‑return ratio, not necessarily maximizing diversification, income, or personal preferences.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Capital Group Dividend Value ETF 1.30%
  • Capital Group Global Growth Equity ETF 1.20%
  • Capital Group International Equity ETF 1.00%
  • Dimensional International Value ETF 2.90%
  • Dimensional ETF Trust 1.50%
  • Schwab Fundamental International Large Company Index ETF 0.50%
  • Schwab Fundamental U.S. Large Company Index ETF 1.20%
  • Invesco S&P International Developed Momentum ETF 1.60%
  • Schwab U.S. Small-Cap ETF 0.80%
  • Schwab U.S. Dividend Equity ETF 2.80%
  • Schwab International Equity ETF 0.60%
  • Schwab U.S. Large-Cap Growth ETF 0.30%
  • Schwab U.S. REIT ETF 2.00%
  • T. Rowe Price Exchange-Traded Funds, Inc. 0.40%
  • T. Rowe Price Dividend Growth ETF 1.00%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.60%
  • Capital Group International Core Equity ETF 1.50%
  • Weighted yield (per year) 1.10%

The overall dividend yield of about 1.10% is modest, which is normal for a growth‑tilted, equity‑focused portfolio. Individual holdings like dividend equity and REIT ETFs, with yields in the 2%–3% range, provide a bit of income support, while growth and momentum funds contribute more via price appreciation than payouts. Dividends matter because they can help cushion returns during flat markets and provide optional cash flow without selling shares. However, chasing very high yields can increase risk. Here, income is a nice side benefit rather than the main goal. If future spending needs grow, slightly increasing the share of dividend‑oriented or lower‑volatility holdings could build a more predictable cash stream.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Capital Group Dividend Value ETF 0.33%
  • Capital Group Global Growth Equity ETF 0.47%
  • Capital Group International Equity ETF 0.54%
  • Dimensional International Value ETF 0.27%
  • Dimensional ETF Trust 0.31%
  • Schwab Fundamental International Large Company Index ETF 0.25%
  • Schwab Fundamental U.S. Large Company Index ETF 0.25%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Schwab U.S. Small-Cap ETF 0.04%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab U.S. REIT ETF 0.07%
  • Schwab S&P 500 Index Fund 0.02%
  • T. Rowe Price Exchange-Traded Funds, Inc. 0.31%
  • T. Rowe Price Dividend Growth ETF 0.50%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.07%
  • Capital Group International Core Equity ETF 0.54%
  • Weighted costs total (per year) 0.20%

The blended total expense ratio (TER) of 0.20% is impressively low for an actively tilted, multi‑manager structure. TER is the annual fee charged by funds, like a small haircut off returns each year. “The costs are impressively low, supporting better long-term performance,” especially given the use of factor, fundamental, and active‑leaning strategies alongside cheap core index funds. Some individual ETFs are more expensive, but they represent modest weights and specific tilts. Periodically checking whether higher‑fee positions still add unique value versus cheaper broad options can keep the average cost down. Maintaining this low‑cost mindset over decades can translate into a significant boost in ending wealth without taking extra risk.

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