A balanced and diversified portfolio with strong tech and international exposure

Report created on Nov 8, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

Your portfolio has a robust structure, blending ETFs across major indices, international stocks, and a mix of bonds and gold for risk management. The heavy allocation to ETFs, especially those tracking the S&P 500 and NASDAQ 100, indicates a strong tilt towards U.S. equities and technology sectors. The inclusion of international stocks and bonds adds diversification, reducing the impact of any single market's performance on the overall portfolio. This composition aligns well with a balanced risk profile, aiming to capture growth while mitigating volatility through diversification.

Growth Info

Historically, your portfolio has shown a compound annual growth rate (CAGR) of 16.07%, with a maximum drawdown of -22.75%. This performance suggests that the portfolio has managed to capture significant upside during market rallies while experiencing relatively moderate declines during downturns. The days contributing most to returns highlight the impact of short-term volatility and the importance of staying invested over the long term. Comparing this to benchmark indices would help contextualize these figures, but overall, your portfolio appears to have navigated market conditions effectively.

Projection Info

Monte Carlo simulations, which use historical data to project future performance under various scenarios, suggest a wide range of outcomes for your portfolio. With the majority of simulations showing positive returns and a median projected increase of 532.4%, these results underscore the potential for significant growth. However, it's crucial to remember that such projections are hypothetical and cannot guarantee future performance. They serve as a tool for understanding potential volatility and the importance of risk management.

Asset classes Info

  • Stocks
    89%
  • Other
    5%
  • Bonds
    5%
  • Cash
    1%

The allocation across asset classes in your portfolio, with a dominant 89% in stocks, showcases a growth-oriented strategy. The 5% in bonds and another 5% in gold provide a cushion against stock market volatility, though the relatively small percentage may limit their effectiveness in severe downturns. Including a small cash position enhances liquidity, allowing for opportunistic investments or rebalancing. This asset class distribution supports a balanced risk approach but leans towards growth, fitting for investors comfortable with moderate market swings.

Sectors Info

  • Technology
    26%
  • Financials
    19%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Industrials
    7%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    1%

Your portfolio's sectoral allocation is heavily weighted towards technology and financial services, which may lead to higher volatility given these sectors' sensitivity to market changes. However, this focus also offers substantial growth opportunities, especially in the tech sector, which has been a strong performer historically. Diversifying further into less volatile sectors like consumer defensive or utilities could provide a more stable return profile, especially during market downturns.

Regions Info

  • North America
    61%
  • Asia Developed
    12%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, your portfolio is predominantly invested in North America and has meaningful exposure to developed markets in Asia and Europe. This distribution captures a broad spectrum of the global economy, enhancing diversification and the potential for capturing growth in various regions. However, the limited exposure to emerging markets might mean missing out on higher growth opportunities available in these regions. Considering a slight increase in emerging market exposure could balance this.

Market capitalization Info

  • Large-cap
    39%
  • Mega-cap
    34%
  • Mid-cap
    14%
  • Small-cap
    2%

The focus on big and mega-cap stocks provides stability and reduces volatility, as these companies generally have more established business models and steady revenue streams. However, the relatively lower allocation to medium, small, and micro-cap stocks limits potential for outsized gains that these smaller companies can offer. Diversifying more into smaller caps could enhance growth prospects, albeit with increased risk.

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.

Optimizing your portfolio using the Efficient Frontier could further enhance the risk-return profile. This concept aims to identify the most efficient allocation of assets for achieving the best possible returns for a given level of risk. Reviewing your current allocation to ensure it aligns with your risk tolerance and return expectations is advisable. Adjustments might involve rebalancing between asset classes or diversifying within sectors and geographies to achieve an optimal mix.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • DBS Group Holdings Ltd 5.80%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 2.15%

Dividends contribute to your portfolio's returns, adding a layer of income on top of capital appreciation. The overall yield of 2.15% offers a balance between growth and income, suitable for a balanced profile. Reinvesting these dividends can compound growth over time. However, focusing solely on dividend yield might lead to overlooking growth opportunities in non-dividend-paying sectors or companies.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • SPDR Gold Mini Shares 0.10%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

The total expense ratio (TER) of 0.06% is impressively low, maximizing the potential for net returns. Keeping costs down is crucial for long-term investment success, as high fees can significantly erode returns. Your portfolio benefits from a cost-effective structure, largely due to the selection of low-cost ETFs, which is a sound strategy for maintaining efficiency and performance.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey