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.

Balanced growth portfolio with strong tech focus and strategic bond allocation

Report created on Aug 3, 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 is structured with a heavy emphasis on equities, particularly within the technology sector, accounting for 80% of the total investment. The remaining 20% is allocated to bonds, split evenly between corporate and treasury bonds. This composition suggests a strategy that leans towards growth, leveraging the potential high returns of tech stocks, while maintaining a degree of risk mitigation through fixed-income securities. The use of ETFs across various sectors and asset classes enhances diversification, though the concentration in technology indicates a higher risk tolerance.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 21.40% and a maximum drawdown of -15.11%, the portfolio has demonstrated strong historical performance. The days contributing most significantly to returns highlight the impact of short-term gains, which is characteristic of growth-oriented strategies, especially in the tech sector. Comparing this to benchmark indices would likely show a favorable position, given the tech sector's recent performance, but investors should remain cautious of volatility.

Projection Info

The Monte Carlo simulation, projecting future performance, indicates a wide range of outcomes with a median increase of 1,603% in portfolio value. This suggests a robust potential for growth but also underscores the uncertainty inherent in stock-heavy portfolios, especially those with a tech focus. While simulations provide valuable insights, they are based on historical data and cannot account for unforeseen market shifts.

Asset classes Info

  • Stocks
    80%
  • Bonds
    20%

The 80% stock and 20% bond split aligns with a balanced growth approach, aiming for substantial returns while mitigating risk through fixed income. This allocation supports the portfolio's growth objectives but may expose it to market volatility, particularly in the tech sector. A comparison with standard benchmarks would confirm the appropriateness of this allocation for a balanced profile, albeit with a strong growth tilt.

Sectors Info

  • Technology
    37%
  • Industrials
    13%
  • Financials
    7%
  • Consumer Discretionary
    5%
  • Health Care
    5%
  • Telecommunications
    4%
  • Consumer Staples
    3%
  • Energy
    2%
  • Real Estate
    1%
  • Utilities
    1%
  • Basic Materials
    1%

The sectoral allocation, with a dominant 37% in technology, positions the portfolio for high growth but also increases its susceptibility to sector-specific risks. The diversification across other sectors like industrials, financial services, and healthcare introduces a layer of risk management. However, the tech concentration may warrant a review to ensure alignment with the investor's risk tolerance and long-term goals.

Regions Info

  • North America
    75%
  • Europe Developed
    4%
  • Asia Developed
    1%

With 75% of assets in North America, the portfolio has significant exposure to the US market, which offers growth opportunities but also geographic concentration risk. The minimal exposure to developed and emerging markets outside of North America suggests potential for greater international diversification, which could reduce risk and tap into growth opportunities in other regions.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    24%
  • Mid-cap
    15%
  • Small-cap
    8%
  • Micro-cap
    2%

The market capitalization breakdown, favoring mega and big cap stocks, suggests a bias towards more established companies, likely to offer stability and steady growth. However, the presence of medium, small, and micro caps indicates a pursuit of higher growth potential, albeit with increased risk. This mix supports a balanced growth strategy but could be optimized to better align with the investor's risk tolerance and return expectations.

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 analysis suggests an optimal portfolio with an expected return of 11.04% at a slightly lower risk level. This indicates room for improvement in risk-return efficiency, possibly through rebalancing or diversifying further. The current tech-heavy focus, while lucrative, may be optimized for a more balanced risk-return profile without sacrificing significant growth potential.

Dividends Info

  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • iShares iBonds Dec 2026 Term Corporate ETF 3.90%
  • iShares iBonds Dec 2026 Term Treasury ETF 3.70%
  • Global X Funds 0.20%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Extended Market Index Fund ETF Shares 1.10%
  • Weighted yield (per year) 1.45%

The dividend yield of 1.45% contributes to the portfolio's total return, balancing the growth focus with income generation. The yields from bonds significantly enhance this aspect, providing a steady income stream alongside potential capital appreciation. This balance is crucial for a growth-oriented investor seeking periodic income, though the focus may shift based on changing financial goals.

Ongoing product costs Info

  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • iShares iBonds Dec 2026 Term Corporate ETF 0.10%
  • iShares iBonds Dec 2026 Term Treasury ETF 0.07%
  • Global X Funds 0.50%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Extended Market Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.10%

With an average total expense ratio (TER) of 0.10%, the portfolio is cost-efficient, which is favorable for long-term growth. Lower costs mean more of the investment returns are retained by the investor, a critical factor in compounding growth over time. This efficiency is a strong aspect of the portfolio, supporting its performance potential.

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