Globally diversified balanced portfolio with strong historical returns and some room to fine tune efficiency

Report created on Apr 5, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This portfolio is built mainly around diversified stock funds, with a meaningful slice in bonds and a handful of individual large tech names on top. The core is broad US and international equity ETFs and mutual funds, plus some targeted small-cap and value strategies, and several credit and Treasury bond funds for stability. That mix creates a classic “balanced growth” structure: most of the engine is in equities, while bonds and credit try to smooth the ride. The blend of core index-like holdings plus some active and factor-tilted funds can add nuance, but also complexity. A simple takeaway: the structure fits a growth mindset but still acknowledges the need for risk control.

Growth Info

Over the last few years, $1,000 grew to about $1,738, which works out to a 12.26% compound annual growth rate (CAGR). CAGR is like your average speed on a long road trip — it smooths out all the bumps. That’s noticeably better than both the US market (10.21%) and global market (7.83%) over the same period, while having a max drawdown of -24.12%, similar to the benchmarks. This suggests the portfolio captured strong upside without taking meaningfully more pain on the downside. Still, this period was unusually favorable to certain styles and regions, and past performance doesn’t guarantee future results, so it’s best viewed as encouraging but not decisive.

Projection Info

The Monte Carlo projection uses historical return and volatility patterns to simulate many possible 15‑year futures for this mix. Think of it as running 1,000 “what if” market paths and seeing where a $1,000 investment ends up. The median outcome is around $2,628, with a broad “likely” range between roughly $1,831 and $3,826, and a 74.8% chance of finishing positive. The average simulated annual return is 7.49%. This is a helpful planning tool, but not a crystal ball: it assumes the future roughly resembles the past in terms of risk and behavior. Big regime changes, policy shifts, or unusual market shocks may lead to very different results.

Asset classes Info

  • Stocks
    84%
  • Bonds
    15%
  • Not classified
    1%

About 84% of the portfolio sits in stocks and 15% in bonds, with a small unclassified slice. That puts it firmly in growth-oriented territory, but not as aggressive as an all‑equity setup. Stocks are the main driver of long‑term returns but also most of the volatility, while bonds usually act as ballast, especially during equity selloffs. Many balanced benchmarks for moderate investors cluster around 60/40 or 70/30 stock/bond mixes, so this lands a bit more on the growth side. For someone with a reasonably long horizon and tolerance for swings, this equity tilt can be sensible, but short‑term comfort should match that higher-risk stance.

Sectors Info

  • Technology
    23%
  • Financials
    12%
  • Industrials
    11%
  • Consumer Discretionary
    8%
  • Telecommunications
    6%
  • Health Care
    6%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Energy
    4%
  • Consumer Discretionary
    3%
  • Real Estate
    2%
  • Utilities
    2%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, technology is clearly the largest slice at 23%, followed by financials and industrials, then a spread across other areas. That’s broadly in line with many modern equity benchmarks, which are also tech-heavy because large tech companies dominate market values today. A meaningful tech tilt can boost growth when innovation and earnings are strong, but it often means more sensitivity to interest rates, regulation, and sentiment around “big tech.” The rest of the sectors are reasonably distributed, which supports diversification. This sector mix is quite aligned with global standards, which is a good sign that you’re not overly skewed to niche areas.

Regions Info

  • North America
    60%
  • No data
    10%
  • Europe Developed
    9%
  • Asia Developed
    5%
  • Japan
    4%
  • Asia Emerging
    3%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Roughly 60% of equity exposure is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and smaller allocations to emerging regions. That profile looks similar to many global equity benchmarks that are naturally US‑heavy, reflecting the size and depth of US markets. Having most exposure in one region adds some concentration to a single economy and currency, but the international slice still broadens the opportunity set and reduces the risk of being tied only to one market’s fortunes. Overall, this geographic mix is well-balanced and aligns closely with common global allocations, which is a solid diversification base.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    17%
  • Mid-cap
    15%
  • Small-cap
    12%
  • Micro-cap
    4%

This breakdown covers the equity portion of your portfolio only.

Market cap exposure ranges from 34% in mega-caps down through large, mid, and small caps, with even a bit in micro-caps. This is more diversified by company size than a simple large-cap index. Bigger companies tend to be more stable but slower-growing; smaller ones are often more volatile but can sometimes deliver higher long-term returns. Having meaningful small- and mid-cap exposure means returns won’t look exactly like a pure large-cap benchmark, and you may see more short-term noise. But from a diversification standpoint, this spread across sizes is a strength and can help avoid overreliance on just the very largest global companies.

True holdings Info

  • NVIDIA Corporation
    4.19%
    Part of fund(s):
    • Franklin LibertyQ U.S. Equity ETF
    • iShares Core S&P 500 ETF
    Direct holding 3.00%
  • Microsoft Corporation
    2.77%
    Part of fund(s):
    • Franklin LibertyQ U.S. Equity ETF
    • iShares Core S&P 500 ETF
    Direct holding 2.00%
  • The Home Depot Inc
    2.00%
  • Amazon.com Inc
    1.55%
    Part of fund(s):
    • Franklin LibertyQ U.S. Equity ETF
    • iShares Core S&P 500 ETF
    Direct holding 1.00%
  • Alphabet Inc Class A
    1.51%
    Part of fund(s):
    • Franklin LibertyQ U.S. Equity ETF
    • iShares Core S&P 500 ETF
    Direct holding 1.00%
  • Broadcom Inc
    1.42%
    Part of fund(s):
    • Franklin LibertyQ U.S. Equity ETF
    • iShares Core S&P 500 ETF
    Direct holding 1.00%
  • Apple Inc
    1.08%
    Part of fund(s):
    • Franklin LibertyQ U.S. Equity ETF
    • iShares Core S&P 500 ETF
  • Netflix Inc
    1.00%
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    0.92%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets ETF
  • Alphabet Inc Class C
    0.40%
    Part of fund(s):
    • Franklin LibertyQ U.S. Equity ETF
    • iShares Core S&P 500 ETF
  • Top 10 total 16.84%

Looking through the funds, a few mega-cap tech names show up repeatedly: NVIDIA, Microsoft, Amazon, Alphabet, and Broadcom all appear both directly and via ETFs. For example, NVIDIA totals about 4.2% when you combine your direct holding with ETF exposure. Overlap like this creates “hidden concentration” — your risk to a company is higher than any single position suggests. This matters because if one of these big names stumbles, it can hit multiple holdings at once. The coverage here only includes ETF top-10 holdings, so total overlap is probably a bit higher in reality, which is worth keeping in mind when thinking about how much single-stock risk you’re comfortable with.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 84%
Size
Exposure to smaller companies
Neutral
Data availability: 84%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 84%
Quality
Preference for financially healthy companies
Neutral
Data availability: 84%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 98%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 90%

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 is quite balanced: value, size, momentum, quality, yield, and low volatility all sit in the neutral range around 50%. Factors are like underlying “personalities” of stocks — for example, value (cheaper stocks), momentum (recent winners), and quality (strong balance sheets). Many portfolios end up leaning heavily into one or two, which can create boom‑bust cycles relative to the market. Here, there’s no strong tilt either toward or away from any factor, suggesting returns should behave fairly similarly to a broad market blend over time. That neutrality means you’re not making big factor bets, which can reduce the risk of prolonged underperformance vs. the market.

Risk contribution Info

  • iShares Core S&P 500 ETF
    Weight: 13.00%
    14.7%
  • PRUDENTIAL JENNISON GLOBAL OPPORTUNITIES FUND CLASS Q
    Weight: 7.00%
    10.8%
  • WASHINGTON MUTUAL INVESTORS FUND CLASS F-3
    Weight: 10.00%
    9.2%
  • SPDR S&P World ex US
    Weight: 9.00%
    9.0%
  • iShares Core MSCI Emerging Markets ETF
    Weight: 8.00%
    7.8%
  • Top 5 risk contribution 51.5%

Risk contribution shows how much each position drives overall portfolio ups and downs, which can differ from simple weights. The iShares Core S&P 500 ETF is 13% of the portfolio but about 14.7% of total risk — slightly punchier than its size. The Prudential Jennison Global Opportunities fund stands out more: it’s 7% of assets but contributes almost 10.8% of risk, a risk/weight ratio of 1.55. That suggests it’s relatively volatile or less diversified. In contrast, Washington Mutual roughly matches its weight in risk. When some holdings contribute much more risk than size suggests, adjusting position sizes can help align actual risk with your intended comfort level.

Redundant positions Info

  • SPDR Russell Small Cap Completeness
    Dimensional U.S. Small Cap ETF
    Avantis® U.S. Small Cap Value ETF
    High correlation
  • WASHINGTON MUTUAL INVESTORS FUND CLASS F-3
    Franklin LibertyQ U.S. Equity ETF
    iShares Core S&P 500 ETF
    High correlation

Several holdings move very closely together, especially the small-cap value ETFs (Avantis U.S. Small Cap Value and Dimensional U.S. Small Cap) and the small-cap completeness ETF, plus strong links among your US large-cap funds. Correlation describes how assets move relative to each other; when two holdings are highly correlated, they tend to rise and fall together, which limits diversification. These overlaps mean that in a small-cap rally or selloff, multiple funds will respond in similar ways. That’s not inherently bad — it reinforces a chosen exposure — but it does mean the effective diversification is a bit lower than the number of line items might suggest.

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 compares your current mix to what could be achieved by just reweighting the existing holdings. The current portfolio has a Sharpe ratio of 0.49, while the optimal combination of the same assets would have a Sharpe of 2.12 with lower volatility and slightly lower expected return. The portfolio sits about 11.36 percentage points below the efficient frontier at its current risk level, meaning you’re taking more risk than needed for the return you’re getting. In plain terms, there’s significant room to rearrange weights — without adding new investments — to potentially get a smoother ride for similar or even better expected performance.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.00%
  • Broadcom Inc 0.80%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Vanguard Short-Term Bond Index Fund ETF Shares 3.60%
  • Cion Ares Diversified Credit Fund 1.50%
  • Dimensional U.S. Small Cap ETF 1.00%
  • Franklin LibertyQ U.S. Equity ETF 1.20%
  • WASHINGTON MUTUAL INVESTORS FUND CLASS F-3 10.70%
  • Alphabet Inc Class A 0.30%
  • The Home Depot Inc 2.90%
  • iShares Core MSCI Emerging Markets ETF 2.70%
  • iShares Core S&P 500 ETF 1.20%
  • JOHN HANCOCK DISCIPLINED VALUE MID CAP FUND CLASS R6 9.20%
  • Microsoft Corporation 0.90%
  • PRUDENTIAL JENNISON GLOBAL OPPORTUNITIES FUND CLASS Q 27.30%
  • SPDR S&P World ex US 3.20%
  • SPDR Russell Small Cap Completeness 1.40%
  • SPDR Barclays Short Term Corporate Bond 4.10%
  • Vanguard Intermediate-Term Treasury Index Fund ETF Shares 3.50%
  • Weighted yield (per year) 4.85%

The overall indicated dividend yield of around 4.85% is quite healthy for a growth‑leaning portfolio. Some holdings, notably Washington Mutual and John Hancock Disciplined Value Mid Cap, show very high stated yields, and certain bond funds also contribute solid income. Dividends can be an important part of total return, especially for investors who like a steady cash flow rather than relying only on price gains. It’s worth remembering that unusually high yields can sometimes reflect special distributions or specific fund strategies, and they’re not guaranteed going forward. Still, as things stand, the income profile here is a genuine strength that complements the growth focus.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard Short-Term Bond Index Fund ETF Shares 0.04%
  • Cion Ares Diversified Credit Fund 6.92%
  • Dimensional U.S. Small Cap ETF 0.26%
  • Franklin LibertyQ U.S. Equity ETF 0.15%
  • WASHINGTON MUTUAL INVESTORS FUND CLASS F-3 0.26%
  • iShares Core MSCI Emerging Markets ETF 0.09%
  • iShares Core S&P 500 ETF 0.03%
  • JOHN HANCOCK DISCIPLINED VALUE MID CAP FUND CLASS R6 0.74%
  • PRUDENTIAL JENNISON GLOBAL OPPORTUNITIES FUND CLASS Q 0.82%
  • SPDR S&P World ex US 0.03%
  • SPDR Russell Small Cap Completeness 0.03%
  • SPDR Barclays Short Term Corporate Bond 0.04%
  • Vanguard Intermediate-Term Treasury Index Fund ETF Shares 0.04%
  • VICTORY SYCAMORE SMALL COMPANY OPPORTUNITY FUND (FORMERLY VICTORY SMALL COMPANY OPPORTUNITY FUND) CLASS R6 0.85%
  • Weighted costs total (per year) 0.90%

Average total expense (TER) is about 0.90%, which is pushed up by one very expensive holding: the Cion Ares Diversified Credit Fund at 6.92%. Most of the ETFs, especially the S&P 500, World ex US, and bond index funds, are impressively cheap, often around 0.03–0.09%. Costs matter because fees come off every year, compounding in reverse over time. On a long horizon, even a 0.5% difference can noticeably shrink ending wealth. The good news is that the low-cost core is doing a lot of the heavy lifting. The main question is how much value that high-fee credit fund adds relative to its cost and risk.

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