This portfolio has only about 1.3 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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Diversified global factor tilted portfolio with meaningful cash buffer and relatively mild drawdowns so far

Report created on Jun 29, 2026

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio spreads money across cash-like holdings, stock ETFs, some bonds, and a few individual stocks, with no single position dominating. The largest holding is a money market fund at about 13%, which acts as a cash buffer, while most of the rest sits in diversified stock ETFs using different strategies. This mix creates many moving parts rather than one or two giant bets. That kind of structure matters because it shapes how the portfolio reacts when markets move quickly. With only about 1.3 years of history, though, it’s too early to treat this mix as “proven” in all kinds of markets, especially deeper or longer downturns than the brief ones seen so far.

Growth Info

Over the 1.3‑year window, a hypothetical $1,000 grew to about $1,324, which is a strong result for such a short period. The portfolio’s compound annual growth rate (CAGR) was roughly 24%, slightly ahead of the US market but just behind the global market benchmark. Max drawdown — the largest peak‑to‑trough drop — was under 10%, noticeably milder than both benchmarks’ declines above 14%. That suggests a relatively smooth ride in this particular period. However, returns over only 1.3 years can be heavily shaped by short‑term conditions. This performance is informative but not enough to reliably describe how the portfolio might behave across full market cycles or major crises.

Projection Info

The forward projection uses a Monte Carlo simulation, which basically replays and reshuffles past return patterns thousands of times to get a range of possible futures. Here, the median 15‑year outcome takes $1,000 to about $2,518, with a wide “middle” band from roughly $1,780 to $3,602. The overall average simulated annual return lands near 7%. These numbers show that many paths end positive, but the range is quite broad. Because the model relies heavily on just 1.3 years of history, which includes very strong returns, it may be over‑optimistic and doesn’t capture how the portfolio could respond to recessions or interest‑rate regimes not seen in this brief sample.

Asset classes Info

  • Stocks
    80%
  • No data
    13%
  • Bonds
    7%

By asset class, about 80% is in stocks, 7% in bonds, and roughly 13% tagged as “no data.” That stock‑heavy structure lines up more with a growth‑focused allocation than a heavily defensive one, while the bond slice adds some potential stabilizing income. The “no data” bucket likely includes holdings where the classification is missing, so it’s simply treated as unknown rather than second‑guessing it. Compared with broad global benchmarks, this mix leans meaningfully toward equities but still keeps a modest fixed income presence. With a short 1.3‑year lookback, it’s worth keeping in mind that the risk/return balance of this asset mix hasn’t yet been tested through a full interest‑rate or credit cycle.

Sectors Info

  • Financials
    17%
  • Technology
    16%
  • Industrials
    10%
  • Health Care
    7%
  • Consumer Discretionary
    6%
  • Telecommunications
    6%
  • Energy
    5%
  • Consumer Staples
    4%
  • Utilities
    3%
  • Basic Materials
    3%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is spread across financials, technology, industrials, health care, consumer areas, and others, with no single sector overwhelming the rest. Financials and technology sit near the top, together making up about one‑third of equity exposure, while areas like utilities and real estate are relatively small. This kind of spread is broadly similar to diversified equity benchmarks, which is a positive sign for not being overly dependent on one corner of the economy. Sector balance matters because different industries react differently to things like rates, inflation, or regulation. Given the limited 1.3‑year history, though, the portfolio hasn’t yet gone through a wide variety of sector‑specific booms and busts with this exact mix.

Regions Info

  • North America
    52%
  • Europe Developed
    11%
  • Asia Developed
    7%
  • Asia Emerging
    5%
  • Japan
    4%
  • Latin America
    1%
  • Africa/Middle East
    1%
  • Australasia
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio is anchored in North America at just over half of equity exposure, with meaningful slices in developed Europe, developed Asia, Japan, and some emerging markets. This is more globally diversified than a pure domestic approach but still shows a clear home tilt toward North America, which is common for US‑based investors. Compared with world equity indexes, the international share is a bit lower, yet still large enough to bring in currency and economic diversification. That spread helps reduce reliance on any single country’s growth path. Because the historical window is short, it mostly reflects how this mix behaved in one specific global environment rather than multiple regional cycles over decades.

Market capitalization Info

  • Large-cap
    28%
  • Mega-cap
    22%
  • Mid-cap
    14%
  • Small-cap
    9%
  • Micro-cap
    6%

This breakdown covers the equity portion of your portfolio only.

Market‑cap exposure covers the full spectrum: mega‑caps around 22%, large‑caps near 28%, plus noticeable mid‑cap, small‑cap, and micro‑cap slices. This means the portfolio doesn’t just ride on the biggest household names but also includes smaller companies that can behave very differently. Smaller and micro‑cap stocks often have higher volatility and can lag or surge versus large companies depending on the economic backdrop. Having them in the mix can boost diversification but also adds bumpiness at times. Over just 1.3 years, it’s hard to say whether the current behavior of these size segments will hold; small‑cap patterns especially tend to swing over longer cycles than we can see here.

True holdings Info

  • Southern Company
    2.12%
  • iShares Russell 1000 ETF
    2.05%
    Part of fund(s):
    • Ishares Lifepath Target Date 2045 ETF
  • Verizon Communications Inc
    1.86%
  • Apple Inc
    1.76%
    Part of fund(s):
    • Franklin Templeton ETF Trust - Franklin Intelligent Machines ETF
    • Schwab Fundamental U.S. Broad Market Index ETF
    • Vanguard S&P 500 ETF
    • VictoryShares US Multi-Factor Minimum Volatility
    • VistaShares Target 15 Berkshire Select Income ETF
  • Waste Management Inc
    1.62%
  • Bristol-Myers Squibb Company
    1.49%
  • Berkshire Hathaway Inc
    0.78%
    Part of fund(s):
    • Schwab Fundamental U.S. Broad Market Index ETF
    • VistaShares Target 15 Berkshire Select Income ETF
    • iShares Global Financials ETF
  • Taiwan Semiconductor Manufacturing
    0.67%
    Part of fund(s):
    • Avantis® Emerging Markets Equity ETF
    • Franklin Templeton ETF Trust - Franklin Intelligent Machines ETF
  • SK Hynix Inc
    0.61%
    Part of fund(s):
    • Avantis® Emerging Markets Equity ETF
  • Alphabet Inc Class A
    0.60%
    Part of fund(s):
    • Schwab Fundamental U.S. Broad Market Index ETF
    • Vanguard S&P 500 ETF
    • VistaShares Target 15 Berkshire Select Income ETF
  • Top 10 total 13.56%

This breakdown covers the equity portion of your portfolio only.

Looking through to the underlying holdings we can see, individual company concentration looks modest. Southern Company, Verizon, Waste Management, and Bristol‑Myers are meaningful mainly through direct positions, while large global names like Apple, Taiwan Semiconductor, and Alphabet appear via ETFs but still make up less than 2% each of the total portfolio. Overlap across ETFs is present but not extreme in the visible top‑10 data. Because only about 31% of the portfolio is covered by this look‑through and we only see ETF top‑10s, hidden overlap could be somewhat higher. Still, based on available data, the structure avoids any single stock quietly dominating overall exposure so far.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 57%
Size
Exposure to smaller companies
Very low
Data availability: 84%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 22%
Quality
Preference for financially healthy companies
Very high
Data availability: 18%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 99%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 70%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor exposure shows strong tilts, especially in quality, with a very high 83% score, and high readings in value, momentum, and low volatility. Quality typically means companies with stronger balance sheets or more stable earnings, which can help in rocky markets, while low volatility aims to reduce extreme swings. At the same time, size exposure is very low, meaning a tilt away from smaller companies toward larger ones in factor terms, despite some small‑cap holdings by weight. Factor investing is like choosing certain “traits” you want to emphasize. Because all of this is based on about 1.3 years of return behavior, these tilts are informative but not guaranteed to persist or behave the same way in very different market regimes.

Risk contribution Info

  • Avantis® Emerging Markets Equity ETF
    Weight: 9.03%
    14.0%
  • Fidelity Enhanced Small Cap ETF
    Weight: 7.74%
    13.0%
  • JPMorgan International Value ETF
    Weight: 6.94%
    8.9%
  • Janus Henderson Small Cap Growth Alpha ETF
    Weight: 4.50%
    7.8%
  • Schwab Fundamental U.S. Broad Market Index ETF
    Weight: 5.96%
    7.1%
  • Top 5 risk contribution 50.7%

Risk contribution highlights how some positions drive more of the portfolio’s ups and downs than their weights suggest. The emerging markets ETF, at about 9% weight, contributes roughly 14% of total risk, while the enhanced small‑cap ETF and small‑cap growth ETF also punch above their size. That’s typical: more volatile or less diversified holdings can dominate risk even when they’re minority positions by dollars. In contrast, broader or more defensive funds may carry less risk than their weight. Understanding this distinction helps explain why trimming or adding certain holdings can shift overall volatility more than you’d expect from the percentage alone, though the behavior observed here comes from a relatively calm 1.3‑year window.

Redundant positions Info

  • NuShares ETF Trust - Nuveen ESG International Developed Markets Equity ETF
    iShares MSCI Intl Quality Factor ETF
    High correlation
  • Ishares Lifepath Target Date 2045 ETF
    Vanguard S&P 500 ETF
    High correlation
  • VictoryShares International Value Momentum ETF
    JPMorgan International Value ETF
    High correlation

The correlation data shows a few pairs of holdings that have moved almost in lockstep during the measured period. For example, the international quality ETF and the ESG international ETF behaved very similarly, and the target‑date ETF tracked closely with the S&P 500 ETF. When two holdings are highly correlated, owning both still spreads company‑specific risk but adds less diversification than their number of line items might suggest. It’s a bit like owning two very similar playlists: more songs, but not much new variety. With only 1.3 years of data, these relationships might loosen or tighten in different environments, so they’re useful clues but not fixed rules about how these assets will always move together.

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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On the risk‑versus‑return chart, the current portfolio sits noticeably below the efficient frontier, meaning that, based on this short history, the same set of holdings could have been combined differently to get better risk‑adjusted returns. The Sharpe ratio — a measure of return per unit of risk — is 1.49, compared with over 3 for the “optimal” mix and above 4 for the minimum‑variance mix. Interestingly, those alternative combinations reach much lower volatility, even though they use the same building blocks. Because the analysis is built on only 1.3 years of data, these differences may be exaggerated by recent strong performance, but they still highlight how position sizing can matter as much as security selection.

Dividends Info

  • Avantis® Emerging Markets Equity ETF 1.90%
  • JPMorgan BetaBuilders Canada ETF 1.80%
  • Bristol-Myers Squibb Company 4.30%
  • Vanguard Total International Bond Index Fund ETF Shares 4.40%
  • Fidelity Enhanced Small Cap ETF 0.70%
  • Schwab Fundamental U.S. Broad Market Index ETF 1.50%
  • American Century ETF Trust - American Century Multisector Floating Income ETF 5.20%
  • Cambria Foreign Shareholder Yield ETF 3.50%
  • iShares Evolved U.S. Discretionary Spending ETF 1.00%
  • iShares MSCI Intl Quality Factor ETF 2.50%
  • Ishares Lifepath Target Date 2045 ETF 1.70%
  • iShares Global Financials ETF 2.30%
  • JPMorgan International Value ETF 2.50%
  • Janus Henderson Small Cap Growth Alpha ETF 0.50%
  • NuShares ETF Trust - Nuveen ESG International Developed Markets Equity ETF 6.80%
  • Southern Company 3.10%
  • Schwab Value Advantage Money Fund 3.80%
  • VictoryShares International Value Momentum ETF 3.10%
  • Vanguard S&P 500 ETF 1.10%
  • VictoryShares US Multi-Factor Minimum Volatility 1.40%
  • Verizon Communications Inc 5.90%
  • Waste Management Inc 1.60%
  • VistaShares Target 15 Berkshire Select Income ETF 14.10%
  • Weighted yield (per year) 3.08%

The portfolio’s overall yield sits around 3.1%, helped by several higher‑yielding pieces, including income‑focused bond and equity funds plus individual dividend stocks. One ETF stands out with a very high stated yield, which likely contributes a noticeable share of the income stream, while many of the equity holdings sit in a more typical 1–3% range. Dividends matter because they add a steady return component that doesn’t rely on price gains. At the same time, unusually high yields can reflect specific strategies or market conditions, so they’re not guaranteed. With just over a year of history, it’s too early to call this income level “stable,” but it does show a clear tilt toward cash‑flow generation.

Ongoing product costs Info

  • Avantis® Emerging Markets Equity ETF 0.33%
  • JPMorgan BetaBuilders Canada ETF 0.19%
  • Vanguard Total International Bond Index Fund ETF Shares 0.07%
  • Fidelity Enhanced Small Cap ETF 0.28%
  • Schwab Fundamental U.S. Broad Market Index ETF 0.25%
  • American Century ETF Trust - American Century Multisector Floating Income ETF 0.28%
  • Cambria Foreign Shareholder Yield ETF 0.59%
  • iShares Evolved U.S. Discretionary Spending ETF 0.18%
  • iShares MSCI Intl Quality Factor ETF 0.30%
  • Franklin Templeton ETF Trust - Franklin Intelligent Machines ETF 0.50%
  • Ishares Lifepath Target Date 2045 ETF 0.11%
  • iShares Global Financials ETF 0.42%
  • JPMorgan International Value ETF 0.55%
  • Janus Henderson Small Cap Growth Alpha ETF 0.30%
  • NuShares ETF Trust - Nuveen ESG International Developed Markets Equity ETF 0.31%
  • VictoryShares International Value Momentum ETF 0.35%
  • Vanguard S&P 500 ETF 0.03%
  • VictoryShares US Multi-Factor Minimum Volatility 0.35%
  • Weighted costs total (per year) 0.23%

Average ongoing fund costs (TER) are about 0.23%, which is impressively low for a portfolio mixing core index funds with more specialized factor and active styles. Very low‑cost options like the S&P 500 ETF at 0.03% help pull the overall figure down, while more focused strategies run higher but remain within a reasonable range. Costs matter because they’re one of the few things investors can count on: fees come out every year regardless of returns, and over time even small differences compound. Starting from such a low blended fee level is a real structural strength of this portfolio. That said, this doesn’t guarantee future performance — it simply removes less from whatever the market delivers.

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