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.

A globally tilted equity heavy portfolio with smart factor tilts and a dash of alternatives

Report created on Dec 15, 2025

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.

What type of investor this portfolio is suitable for

Balanced Investors

This kind of portfolio fits an investor with a moderately high risk tolerance, aiming for strong long-term growth rather than short-term stability. Goals might include building substantial retirement wealth, funding future big life milestones, or growing a nest egg over decades. The ideal time horizon is 10 years or longer, with an understanding that there will be noticeable ups and downs along the way, especially given the bitcoin and small-cap tilts. This investor is comfortable with equity-heavy exposure, appreciates diversification across regions and styles, and is willing to stick with the plan through market noise. They care about low costs and evidence-based strategies but don’t need high current income.

Positions

This portfolio is strongly equity-focused, with about 89% in stocks, 10% in alternatives like gold and bitcoin, and essentially no cash. Around half of the equity exposure is in broad market index funds, and the rest adds tilts to momentum and small-cap value. This is more growth-oriented than a typical “balanced” mix, which usually holds a large slice of bonds. That structure matters because stocks drive long-term growth but also most of the volatility. A practical next step would be to decide whether the “balanced” label truly fits your comfort level and, if not, gradually adjust the stock versus safer assets split while keeping the broad, diversified core intact.

Growth Info

Historically, this mix has shown a very strong compound annual growth rate (CAGR) of about 23.8%, meaning a $10,000 starting value would hypothetically grow to around $29,000 in five years. At the same time, the maximum drawdown of about –16% is relatively mild for such a growth-heavy setup. Both numbers look better than what broad market benchmarks delivered over long periods, helped by momentum and small-value tilts plus bitcoin exposure. It’s important to remember past performance doesn’t guarantee future results, especially when alternatives are involved. A sensible approach is to treat this strong history as a bonus, not a promise, and check whether you’d still be comfortable if returns cooled and drawdowns deepened.

Projection Info

The Monte Carlo analysis, which runs 1,000 random “what if” market paths using historical patterns, shows a very wide range of possible outcomes. Monte Carlo is basically a stress test: it shuffles returns thousands of ways to see best, worst, and typical paths. Here, the 5th percentile ends near +589% and the median near +2,982%, with an average annualized return of about 30%. Those figures are eye‑catching but heavily influenced by recent high-return assets, especially bitcoin. Because simulations lean on past data, they can overstate future potential when history was unusually strong. It’s wise to focus less on the optimistic paths and more on whether you can live with the downside scenarios implied by the 5th percentile.

Asset classes Info

  • Stocks
    89%
  • Other
    10%

The portfolio is almost entirely in stocks plus a small slice of “other” assets, mainly gold and bitcoin, and no bonds. Compared with a classic balanced benchmark that might hold 40–60% bonds, this leans much more toward growth and short-term swings. That high stock slice is great for long-term compounding but can be uncomfortable in rough markets without the stabilizing role of fixed income. The good news is that diversification within equities is strong, spanning many fund types and strategies. Still, if capital preservation or smoother ride matters, it could help to gradually add a modest allocation to lower-volatility assets over time, without sacrificing the solid global equity base already in place.

Sectors Info

  • Technology
    23%
  • Financials
    18%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    6%
  • Consumer Staples
    4%
  • Energy
    4%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is broad: technology leads at about 23%, followed by financials, industrials, consumer cyclicals, communication services, and then more defensive areas like healthcare and consumer staples. This looks very similar to standard global equity benchmarks, which is a good sign for diversification. The tech and cyclical tilt supports growth but can be more sensitive when interest rates rise or economic expectations fall. The presence of utilities, real estate, and defensive sectors helps cushion some of that. Overall, this sector mix is well-balanced and aligns closely with global standards. A useful ongoing habit is to watch that no single sector drifts far beyond comfort, especially after strong rallies in growth-heavy areas.

Regions Info

  • North America
    63%
  • Europe Developed
    12%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    4%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Latin America
    1%

Geographically, there’s a clear home bias toward North America at around 63%, with meaningful slices in Europe, Japan, developed Asia, and emerging markets. That tilt roughly mirrors common global benchmarks but slightly favors the US, which has been a strong performer for over a decade. This alignment is beneficial because it spreads risk across many economies, currencies, and policy environments. Emerging markets and non-US developed exposures offer a hedge if US stocks underperform in a future cycle. To keep this balance working for you, it can help to review the regional split every year or two and rebalance if one region, especially the US, becomes much larger than intended due to market outperformance.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    26%
  • Mid-cap
    16%
  • Small-cap
    7%
  • No data
    5%
  • Micro-cap
    3%

By market cap, the portfolio leans toward mega and large companies (about 63% combined) while keeping a meaningful tilt to mid and small caps. That structure is similar to broad benchmarks but with an extra push into smaller, value-tilted companies through specialized ETFs. Large caps usually add stability and liquidity, while small caps can boost long-term return potential but with bumpier short-term moves. This blend supports both resilience and growth, especially for long horizons. The allocation is well-balanced and aligns closely with global standards, with a thoughtful small-cap value overlay. An effective practice is to periodically ensure that the small and mid-cap slices stay in a range that matches your comfort with extra volatility.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The portfolio shows very high correlation between the Vanguard S&P 500 ETF and the Vanguard Total Stock Market ETF, meaning they tend to move almost in lockstep. Correlation describes how assets move together: a value near 1 means they usually rise and fall at the same time, reducing diversification benefits. Holding both funds gives only a small diversification edge, since the total market fund mainly adds smaller US stocks that are already present elsewhere in the portfolio. Streamlining overlapping positions can simplify management and slightly sharpen risk control. One practical move could be deciding which of these two broad US funds you prefer as the core, then slowly consolidating into that while keeping your existing diversification in other areas.

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.

From a risk–return standpoint, this portfolio already sits in a strong spot, but there’s still room for fine-tuning along the Efficient Frontier. The Efficient Frontier is the set of allocations that offer the best possible tradeoff between risk and return using the current ingredients. Here, trimming overlapping broad US funds and reassessing the exact size of the bitcoin slice could move the mix closer to that “most efficient” line without changing the core philosophy. It’s worth stressing that efficiency is about the risk–return ratio, not maximizing diversification or any single metric. Any future tweaks can be gradual and data-driven, guided by how much volatility you’re truly willing to tolerate.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.30%
  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Invesco S&P International Developed Momentum ETF 1.60%
  • iShares Core MSCI Emerging Markets ETF 2.80%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.40%

The overall dividend yield around 1.4% is modest, reflecting a growth-tilted, equity-heavy mix with strong exposure to the US and momentum strategies. Yield is higher in international and small-cap value funds and lower in momentum and bitcoin-linked holdings. Dividends can provide a small income stream and help returns during flat markets, but they’re only one part of total performance, which also includes price gains. For someone focused on long-term growth rather than current income, this yield level is reasonable and consistent with the strategy. If income becomes more important later, it would be straightforward to shift part of the equity exposure into higher-yielding funds or add some income‑oriented, lower‑volatility assets.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Gold Trust 0.25%
  • iShares Bitcoin Trust 0.12%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • iShares Core MSCI Emerging Markets ETF 0.09%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.10%

The total expense ratio (TER) of about 0.10% is impressively low for such a sophisticated, diversified setup. TER is the annual percentage fee charged by the funds, and keeping it low is like reducing friction in a machine: more of the return stays in your pocket. Most holdings sit at or near rock-bottom index levels, with only slightly higher fees on the small-cap value funds that provide targeted tilts. This cost profile is better than typical mixed portfolios and supports better long-term performance. Going forward, the main cost focus would simply be to maintain this low-fee mindset when adding or swapping funds, avoiding higher-cost products that don’t bring clear, additional benefits.

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