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 balanced and broadly diversified portfolio with a strong focus on US equities and technology sector

Report created on Aug 18, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio predominantly comprises ETFs managed by Dimensional, with a significant emphasis on US equities (80%) and a smaller allocation towards international and emerging markets (20%). The asset class distribution is entirely in stocks, showcasing a growth-oriented strategy but with limited exposure to alternative asset classes for risk mitigation. The sectoral spread leans heavily towards technology, financial services, and industrials, indicating a potential for high growth but also susceptibility to sector-specific downturns.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 20.23% and a maximum drawdown of -17.57%, the portfolio has demonstrated strong historical performance. However, it's crucial to note that past performance is not indicative of future results, especially in volatile sectors like technology. The days contributing to 90% of returns being so few suggests high volatility and concentration risk, which investors should be aware of.

Projection Info

Utilizing Monte Carlo simulations, the forward projection offers a wide range of potential outcomes, from a 5th percentile of 369.4% to a 67th percentile at 1,534.0%, emphasizing the portfolio's high growth potential. However, these projections, based on historical data, should be viewed with caution as they cannot account for unforeseen market changes.

Asset classes Info

  • Stocks
    100%

The portfolio's allocation is solely within stocks, lacking diversity in asset classes such as bonds or real estate, which could offer stability during stock market downturns. This singular focus enhances growth prospects but increases volatility and risk, particularly for investors with a lower risk tolerance.

Sectors Info

  • Technology
    27%
  • Financials
    16%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Telecommunications
    9%
  • Health Care
    8%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    1%

The heavy allocation towards technology (27%) and financial services (16%) sectors suggests a pursuit of growth but also exposes the portfolio to sector-specific risks. Diversifying across more sectors or reducing the weight in these high-volatility sectors could mitigate potential losses during industry downturns.

Regions Info

  • North America
    81%
  • Europe Developed
    9%
  • Japan
    3%
  • Asia Emerging
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

With 81% of assets in North America, the portfolio shows a strong home bias, which could limit exposure to global growth opportunities and increase vulnerability to regional economic fluctuations. Expanding into more diverse international holdings might offer better risk-adjusted returns.

Market capitalization Info

  • Mega-cap
    36%
  • Large-cap
    28%
  • Mid-cap
    24%
  • Small-cap
    9%
  • Micro-cap
    3%

The portfolio's emphasis on mega (36%) and big (28%) cap stocks provides a foundation of stability and potential for steady growth. However, the relatively smaller allocation to small (9%) and micro (3%) caps suggests missed opportunities in higher-growth, albeit riskier, segments of the market.

Redundant positions Info

  • Dimensional U.S. Equity ETF
    Dimensional ETF Trust
    High correlation

The high correlation between the Dimensional U.S. Equity ETF and Dimensional ETF Trust indicates redundancy, which could be limiting the portfolio's diversification benefits. Reallocating from one of these ETFs into assets with lower correlation could enhance portfolio efficiency.

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 risk-return profile could be optimized by addressing the overlap between highly correlated assets. This would involve diversifying into non-correlated assets or sectors, potentially enhancing returns for the same level of risk, as per the Efficient Frontier theory.

Dividends Info

  • Dimensional ETF Trust 1.00%
  • Dimensional ETF Trust - Dimensional Emerging Markets Core Equity 2 ETF 2.40%
  • Dimensional International Core Equity 2 ETF 2.60%
  • Dimensional U.S. Equity ETF 1.00%
  • Weighted yield (per year) 1.31%

The dividend yields, averaging at 1.31%, contribute to the portfolio's total return, offering a modest income stream in addition to capital appreciation. However, investors seeking higher income might consider increasing exposure to assets with higher dividend yields.

Ongoing product costs Info

  • Dimensional ETF Trust 0.14%
  • Dimensional ETF Trust - Dimensional Emerging Markets Core Equity 2 ETF 0.39%
  • Dimensional International Core Equity 2 ETF 0.23%
  • Dimensional U.S. Equity ETF 0.09%
  • Weighted costs total (per year) 0.15%

With a total expense ratio (TER) of 0.15%, the portfolio is cost-efficient, which is favorable for long-term growth. Lower costs mean more of the investment's return is retained by the investor, a crucial factor in accumulating wealth over time.

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