This portfolio has only about 1.4 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.

Balanced portfolio with a tech tilt and high dividend potential

Report created on Aug 6, 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 showcases a strategic mix, emphasizing large-cap growth and dividend-paying equities, alongside a notable allocation to a dynamic income fund and a cryptocurrency ETF. The inclusion of a single stock, particularly in the technology sector, adds a layer of concentration risk, albeit potentially increasing the portfolio's growth prospects. The allocation across ETFs and a mutual fund suggests a preference for diversified exposure, though the singular stock position and the high-yield focus introduce specific risks and rewards.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 19.66% and a maximum drawdown of -19.38%, the portfolio has demonstrated robust growth with a tolerable level of volatility. The days contributing most to returns indicate significant gains were achieved on relatively few trading days, a common characteristic in growth-focused portfolios. While past performance is impressive, it's essential to remember that it doesn't guarantee future returns, especially in volatile sectors like technology and cryptocurrencies.

Projection Info

The Monte Carlo simulation, projecting future performance, suggests a wide range of potential outcomes, with a median increase of 1,661.1%. This tool uses historical data to simulate various scenarios, providing insight into potential future performance under different market conditions. However, it's crucial to note that these projections are hypothetical and subject to the limitations of past data predicting future events.

Asset classes Info

  • Stocks
    74%
  • Bonds
    27%
  • Other
    4%

The portfolio's asset class distribution, with a significant weight in stocks (74%) and a smaller but substantial allocation to bonds (27%), aligns with a balanced risk profile aiming for growth while seeking income through bonds and high-dividend stocks. The inclusion of 'Other' assets, primarily through the cryptocurrency ETF, introduces an alternative investment category that may increase portfolio diversification but also adds volatility and risk.

Sectors Info

  • Technology
    26%
  • Financials
    20%
  • Industrials
    7%
  • Health Care
    7%
  • Consumer Discretionary
    7%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    1%
  • Real Estate
    1%
  • Utilities
    1%

The sector allocation reveals a heavy tilt towards technology and financial services, comprising 46% of the portfolio. This concentration enhances growth potential but also increases sensitivity to sector-specific risks. Diversifying across additional sectors or reducing the weight in these dominant sectors could mitigate risk without significantly compromising growth potential.

Regions Info

  • North America
    86%
  • Europe Developed
    9%

Geographically, the portfolio is heavily weighted towards North America (86%), with a minor exposure to developed Europe (9%). This concentration in developed markets, particularly the U.S., aligns with the portfolio's growth orientation but limits exposure to emerging markets' potential high growth rates. Considering a modest increase in global diversification could enhance returns and reduce geographic risk.

Market capitalization Info

  • Mega-cap
    22%
  • Large-cap
    17%
  • Mid-cap
    15%
  • Small-cap
    14%
  • Micro-cap
    6%

The market capitalization breakdown shows a balanced approach, with allocations across mega, big, medium, small, and micro-cap stocks. This diversification helps balance the risk and return profile, leveraging the stability of larger companies against the higher growth potential of smaller firms. However, the portfolio's performance may be more susceptible to market-wide fluctuations due to its significant exposure to larger companies.

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 Efficient Frontier analysis suggests that an optimized portfolio with the same risk level could potentially yield a higher expected return of 9.43%. This implies that there's room for reallocating assets to achieve a more efficient risk-return balance. Adjusting the portfolio to move closer to the Efficient Frontier could involve diversifying further across sectors and geographies, and reevaluating the allocation to high-cost or high-risk investments.

Dividends Info

  • BlackRock ETF Trust II 6.30%
  • Fidelity Covington Trust 1.20%
  • PIMCO Dynamic Income Fund 13.70%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Tidal Trust II 126.40%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 15.50%

The portfolio's dividend yield is notably high, driven by the PIMCO Dynamic Income Fund and Tidal Trust II, alongside solid contributions from the dividend equity ETFs. This focus on income-generating investments is beneficial for investors seeking regular income streams, in addition to capital appreciation. However, the sustainability of high yields, especially from the Tidal Trust II, should be monitored closely.

Ongoing product costs Info

  • BlackRock ETF Trust II 0.40%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • Fidelity Covington Trust 0.28%
  • PIMCO Dynamic Income Fund 2.18%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Tidal Trust II 1.14%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.47%

The portfolio's total expense ratio (TER) of 0.47% is relatively low, considering the diversity of assets and the inclusion of specialized funds and ETFs. The PIMCO Dynamic Income Fund, however, stands out with a notably higher fee structure. Reducing costs in high-fee investments without compromising on strategic goals could enhance net returns over the long term.

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