This portfolio has only about 1.9 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 balanced growth portfolio with strong historical returns and some concentration in cash and technology

Report created on Dec 16, 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 sits in a balanced profile with roughly three quarters in stocks and just over one fifth in ultra‑short treasuries, plus a small slice in other assets like bitcoin. That big 0–3 month Treasury holding makes this setup more conservative than a pure equity portfolio while still leaving plenty of room for growth through broad US, international, and satellite positions. A balanced mix like this helps smooth the ride when markets get choppy. If the goal is long‑term growth, gradually leaning a bit more into diversified stock funds and trimming excess cash‑like exposure could increase return potential while still keeping risk near today’s level.

Growth Info

Historically this mix has been very strong: a Compound Annual Growth Rate (CAGR) above 24% means a $10,000 starting amount would have grown far faster than a broad market benchmark. CAGR is like average speed on a long trip, smoothing out bumps. The max drawdown of about –17% is fairly mild given the return, which is impressive and suggests solid downside resilience. Still, past performance doesn’t guarantee future results, especially when single stocks and bitcoin are involved. Using this history mainly as a reality check, not a promise, keeping expectations more in line with long‑run stock market norms is healthier for planning.

Projection Info

The Monte Carlo analysis ran 1,000 simulations, using historical patterns of returns and volatility to imagine many possible futures. Monte Carlo is like running a weather model over and over to see a range of outcomes instead of one exact forecast. The very high median and upper‑end results reflect the strong historical return data, but they’re almost certainly too optimistic for a full investing lifetime. Simulation outputs are only as realistic as their inputs, and recent high returns can skew things. Treat these projections as “what‑if” scenarios, not something to bank on, and consider planning around more modest long‑term annual returns for safety.

Asset classes Info

  • Stocks
    76%
  • Cash
    22%
  • Other
    2%
  • Bonds
    1%

The asset class split is roughly 76% stock, 22% cash‑like, and tiny portions in bonds and other assets. For a “balanced” risk score of 4/7, this aligns well with common frameworks that mix growth and stability. The sizable ultra‑short Treasury sleeve provides liquidity and dampens volatility, working almost like a shock absorber. The equity portion is nicely diversified through broad index ETFs plus some tilts. This allocation is well‑balanced and aligns closely with global standards for a growth‑oriented balanced portfolio. If the time horizon is long and drawdowns are tolerable, nudging some of that cash‑like bucket into diversified stock funds over time could enhance growth potential.

Sectors Info

  • Technology
    19%
  • Financials
    13%
  • Telecommunications
    11%
  • Industrials
    9%
  • Energy
    9%
  • Consumer Discretionary
    6%
  • Health Care
    3%
  • Consumer Staples
    2%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

Sector exposure is spread across technology, financials, communication services, industrials, energy, and others, with tech being the largest piece near one fifth. This isn’t extreme by modern benchmark standards and your mix overall matches common broad‑market sector shapes reasonably well, which is a strong indicator of diversification. Tech and momentum tilts can boost returns in favorable environments but may be more volatile when rates rise or sentiment turns. The specific single stocks also add extra exposure to tech and related themes. Checking once a year whether any one sector (or theme like “energy” or “momentum”) has drifted too far above a comfort zone can help keep risk controlled.

Regions Info

  • North America
    58%
  • Asia Emerging
    8%
  • Europe Developed
    5%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%

Geographically, the portfolio leans heavily toward North America, with modest exposure to developed Europe, Japan, and parts of Asia. This is very similar to many global benchmarks, where US companies dominate market capitalization, and it has been a tailwind over the last decade. Limited exposure to emerging regions means less sensitivity to political and currency shocks there, but also less participation if those markets outperform. Your portfolio’s regional mix is broadly aligned with standard global allocations, which is reassuring. If there’s interest in diversifying growth drivers further, adding a bit more to broad international or global funds could slowly increase non‑US exposure without adding much complexity.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    26%
  • Mid-cap
    9%
  • Small-cap
    5%
  • Micro-cap
    5%

The market cap breakdown shows a strong core in mega and large companies, with meaningful but smaller slices in mid, small, and micro caps. Bigger companies tend to be more stable and easier to research, anchoring the portfolio and often behaving similarly to broad indexes. The dedicated small‑cap value ETF adds a deliberate tilt toward smaller, cheaper companies, which historically has sometimes rewarded patient investors but can be bumpier. This blend of large‑cap core plus factor and size tilts is a thoughtful structure. Keeping those tilts within a range that doesn’t dominate overall risk can help maintain comfort during periods when small or value stocks lag.

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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Efficient Frontier analysis looks at all the current building blocks and asks: for this level of risk, what mix historically offered the best return? Here, an alternative allocation using the same ingredients could target a higher expected return at roughly the same risk, and the “optimal” mix appears even more efficient. Efficiency here just means the best tradeoff between risk (volatility) and return, not necessarily the most diversified or simplest setup. These math‑driven outputs are based on historical behavior, which can change, so they’re guideposts rather than strict rules. Reviewing whether the current mix matches your comfort with ups and downs is more important than chasing a perfectly efficient point.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Alphabet Inc Class A 0.30%
  • Interactive Brokers Group Inc 0.30%
  • MPLX LP 7.20%
  • iShares® 0-3 Month Treasury Bond ETF 4.10%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Taiwan Semiconductor Manufacturing 0.80%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Industrial Select Sector SPDR® Fund 1.40%
  • Weighted yield (per year) 2.26%

The overall dividend yield of about 2.3% is modest but healthy for a growth‑leaning portfolio. Yield comes from broad index funds, an income‑heavy holding like MPLX, and the ultra‑short Treasury ETF, which currently pays a relatively high short‑term rate. Dividends can act like a built‑in cash flow, useful for reinvestment or spending, but they’re just one part of total return alongside price changes. This portfolio’s income profile looks well balanced: not overly stretched into high‑yield corners, yet still generating a respectable payout. If reliable income ever becomes a higher priority, shifting a bit more weight toward broadly diversified income‑oriented funds could increase cash flow without concentrating in a single payer.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Bitcoin Trust 0.12%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Industrial Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.06%

The weighted total expense ratio (TER) of around 0.06% is impressively low and a real strength. TER is the annual fee charged by funds, and keeping it low helps more of the portfolio’s return stay in your pocket each year. Over long stretches, even small differences in cost can compound into big dollar gaps, just like a small leak in a bucket eventually drains a lot of water. This lineup leans on low‑cost index funds with a few slightly pricier satellites, which is a solid structure. Periodically checking whether any higher‑cost holding still adds unique value helps keep the cost edge sharp over time.

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