This portfolio has only about 1.7 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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A well-diversified balanced portfolio with a global focus and a blend of value and factor strategies

Report created on Aug 7, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification
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Positions

Your portfolio is a blend of ETFs focusing on global stocks, value, and factor-based strategies, with a significant tilt towards equities. The Vanguard Total World Stock Index Fund ETF, making up a quarter of your portfolio, provides broad exposure to global equities. The inclusion of specialized ETFs like Avantis® International Small Cap Value and Avantis® Emerging Markets Value ETFs introduces a value tilt, targeting undervalued companies in international and emerging markets. This composition suggests a strategic approach to diversification, leveraging both geographic spread and investment style to potentially enhance returns and reduce risk.

Growth Info

Historically, your portfolio has delivered a Compound Annual Growth Rate (CAGR) of 18.71%, with a maximum drawdown of -15.81%. These numbers indicate strong past performance with a relatively moderate level of risk, as evidenced by the drawdown figure. It's important to remember, though, that past performance is not always indicative of future results. Your portfolio's performance, particularly its impressive CAGR, suggests it has been well-positioned to capitalize on the growth trends of recent years. However, investors should remain cautious and not expect these high returns to necessarily continue unabated.

Projection Info

Monte Carlo simulations project a wide range of potential outcomes for your portfolio, with the median outcome suggesting more than a tenfold increase. This analysis, while based on historical data, provides a probabilistic forecast rather than a guaranteed outcome. The simulations show a 100% rate of positive returns across scenarios, which is encouraging but should be interpreted with caution. The projections underscore the potential for significant growth while also highlighting the inherent uncertainty in investing.

Asset classes Info

  • Stocks
    99%
  • Bonds
    20%

Your portfolio's allocation is heavily weighted towards stocks (99%), with a nominal bond component. This high equity exposure aligns with a growth-oriented investment strategy but carries higher volatility and risk, particularly in short to medium terms. Diversification across asset classes is a fundamental principle of risk management in investing. Considering adding more bonds or other asset classes could provide better balance, especially in turbulent markets, and might smooth out returns over time.

Sectors Info

  • Technology
    19%
  • Financials
    18%
  • Industrials
    14%
  • Consumer Discretionary
    12%
  • Health Care
    7%
  • Telecommunications
    7%
  • Basic Materials
    6%
  • Consumer Staples
    6%
  • Energy
    6%
  • Utilities
    3%
  • Real Estate
    2%

The sectoral allocation of your portfolio shows a balanced exposure with significant investments in Technology, Financial Services, and Industrials. This sector distribution is reflective of the broader market but does carry specific risks. For instance, the technology sector can be highly volatile and sensitive to interest rate changes. Diversifying across sectors can help mitigate these risks. Your portfolio's current composition is well thought out, balancing cyclical sectors with more stable ones, yet it's always wise to review sector exposure regularly to align with changing market conditions.

Regions Info

  • North America
    60%
  • Europe Developed
    13%
  • Japan
    8%
  • Asia Emerging
    8%
  • Asia Developed
    6%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, your portfolio is heavily weighted towards North America (60%), with diversified allocations across Europe, Asia, and emerging markets. This global exposure is beneficial for capturing growth across different economies and mitigating region-specific risks. However, the significant tilt towards North American markets may expose you to regional economic cycles and geopolitical risks. Considering a more balanced geographic allocation could potentially reduce volatility and enhance returns by capturing growth in other regions.

Market capitalization Info

  • Large-cap
    28%
  • Mega-cap
    26%
  • Mid-cap
    24%
  • Small-cap
    13%
  • Micro-cap
    6%

The portfolio's market capitalization spread, including big, mega, medium, small, and micro caps, suggests a comprehensive approach to diversification. This mix allows for participation in the growth potential of smaller companies while still anchoring the portfolio with the stability of larger firms. Small and micro-cap companies, while offering higher growth potential, also come with increased volatility and risk. Regularly reviewing this allocation can help ensure that it remains in line with your risk tolerance and investment goals.

Redundant positions Info

  • Vanguard Total World Stock Index Fund ETF Shares
    iShares MSCI USA Quality Factor ETF
    High correlation

The high correlation between Vanguard Total World Stock Index Fund ETF Shares and iShares MSCI USA Quality Factor ETF indicates overlapping exposures, potentially limiting the diversification benefits of holding both. Diversification aims to spread risk across uncorrelated assets, so it's crucial to assess whether each investment contributes to your portfolio's overall risk and return profile. Consider rebalancing to reduce overlap, which could enhance the portfolio's risk-adjusted performance.

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.

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Optimizing your portfolio using the Efficient Frontier suggests a potential for higher expected returns at the same level of risk. While the current allocation has performed well, there's room for improvement by adjusting the asset mix to reduce overlap and potentially increase diversification. This process might involve reallocating funds from highly correlated assets to those with lower correlations or different risk/return profiles. Such adjustments could help in achieving a more efficient portfolio, maximizing returns for a given level of risk.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.70%
  • Avantis® Emerging Markets Value ETF 3.90%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • iShares MSCI USA Quality Factor ETF 1.00%
  • Return Stacked Global Stocks & Bonds ETF 1.10%
  • iShares MSCI USA Min Vol Factor ETF 1.60%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Alpha Architect Global Factor Equity ETF 2.40%
  • Weighted yield (per year) 2.01%

Your portfolio's total dividend yield stands at 2.01%, contributing to overall returns in addition to potential capital appreciation. While not the primary focus, dividends can provide a steady income stream and help reduce volatility. It's worth noting that dividend yields can vary widely among ETFs, often reflecting the underlying risk and growth potential of the assets. Balancing high-yield investments with growth-oriented ones can offer a diversified income strategy while still pursuing capital gains.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares MSCI USA Quality Factor ETF 0.15%
  • Return Stacked Global Stocks & Bonds ETF 0.41%
  • iShares MSCI USA Min Vol Factor ETF 0.15%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.22%

The portfolio's total expense ratio (TER) of 0.22% is relatively low, which is beneficial for long-term growth as lower costs mean more of your investment returns are retained. While cost should not be the sole consideration, a focus on minimizing unnecessary expenses can significantly enhance portfolio performance over time. It's commendable that you've chosen funds with competitive fees, but always stay informed about any fee changes or new investment opportunities that may offer similar benefits at lower costs.

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