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 strong emphasis on growth and income through diversified ETFs and funds

Report created on Aug 6, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio showcases a strategic mix, predominantly focusing on ETFs with a notable inclusion of a high-yield fund. The allocation leans heavily towards U.S. large-cap growth and dividend equity, complemented by international and emerging market exposures. This structure aims to balance growth potential with income generation, underpinned by a diversification across various sectors and geographic regions. The blend of growth and dividend-focused assets suggests an approach to cater to both capital appreciation and steady income streams, aligning with a balanced risk profile.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 15.30% and a maximum drawdown of -16.05%, the portfolio has demonstrated robust growth while managing downside risk effectively. The performance is further highlighted by the fact that a significant portion of returns was generated in a limited number of days, indicating the impact of short-term market movements. This historical performance, while impressive, underscores the importance of understanding market volatility and the potential for wide fluctuations in portfolio value.

Projection Info

Monte Carlo simulations, which project future performance based on historical data, suggest a wide range of potential outcomes for this portfolio. With the majority of simulations (992 out of 1,000) showing positive returns and a median projected increase of 539%, these results indicate strong growth potential. However, it's crucial to remember that these projections are not guarantees but rather scenarios that could help in preparing for various market conditions.

Asset classes Info

  • Stocks
    79%
  • Bonds
    27%

The allocation across asset classes with 79% in stocks and 27% in bonds (noting a slight overlap in classification) provides a balanced approach to growth and income. This mix supports a strategy aimed at capital appreciation through equities while using bonds to mitigate volatility and provide income. Adjusting this balance can further align the portfolio with changing risk tolerance or financial goals over time.

Sectors Info

  • Technology
    23%
  • Financials
    22%
  • Consumer Discretionary
    9%
  • Industrials
    8%
  • Health Care
    7%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

Sector allocation reveals a heavy emphasis on technology and financial services, which are sectors known for their growth potential but also for their volatility. The presence of consumer cyclicals, industrials, and healthcare diversifies the portfolio, reducing sector-specific risks. However, the heavy weighting in high-volatility sectors suggests a review to ensure alignment with the investor's risk tolerance and market outlook.

Regions Info

  • North America
    72%
  • Europe Developed
    16%
  • Asia Emerging
    4%
  • Asia Developed
    3%
  • Japan
    3%
  • Australasia
    1%
  • Latin America
    1%

Geographic exposure is heavily skewed towards North America, with significant positions in developed European markets and a modest allocation to emerging markets. This distribution reflects a conservative approach to international diversification, potentially limiting exposure to high-growth markets outside of the developed world. Considering a rebalance to include more emerging markets could enhance growth prospects and diversification.

Market capitalization Info

  • Mega-cap
    23%
  • Large-cap
    23%
  • Mid-cap
    14%
  • Small-cap
    11%
  • Micro-cap
    6%

The market capitalization breakdown shows a balanced exposure across mega, big, and medium-sized companies, with smaller allocations to small and micro-cap stocks. This spread across market caps can help mitigate risk and capitalize on growth opportunities in different segments of the market. However, the tilt towards larger companies is consistent with the portfolio's balanced risk profile.

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 portfolio's current configuration is already aligned with a balanced risk-return profile. However, optimization analysis suggests that a more efficient portfolio could be achieved with the same level of risk but with an expected return of 7.24%. This indicates room for improvement in asset allocation to potentially enhance returns without increasing risk, pointing towards the importance of regular portfolio reviews and adjustments.

Dividends Info

  • Avantis® International Equity ETF 2.80%
  • Avantis® Emerging Markets Equity ETF 2.90%
  • 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%
  • Weighted yield (per year) 16.00%

Dividend yields across the portfolio vary significantly, with the PIMCO Dynamic Income Fund and Tidal Trust II offering exceptionally high yields. These income-generating assets contribute to the portfolio's overall yield of 16%, highlighting the strategy's focus on income alongside growth. However, the sustainability of high yields, especially from funds, should be monitored to ensure they align with the overall risk and return objectives.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Avantis® Emerging Markets Equity ETF 0.33%
  • BlackRock ETF Trust II 0.40%
  • 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%
  • Weighted costs total (per year) 0.47%

The Total Expense Ratio (TER) of 0.47% is relatively moderate, considering the diversification and management services provided by the included ETFs and funds. The PIMCO Dynamic Income Fund, with a higher expense ratio, suggests a review to ensure its benefits justify the costs. Keeping costs in check is crucial for enhancing long-term returns, as even small differences in fees can significantly impact net investment outcomes over time.

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