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.

A balanced portfolio with a strong focus on covered call ETFs and growth assets

Report created on Dec 8, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

Your portfolio displays a significant allocation towards ETFs, particularly those employing covered call strategies, alongside growth-oriented and fixed-income assets. The heavy weighting in covered call ETFs, constituting 50% of your portfolio, is a distinctive feature. This strategy, while offering potential for income through option premiums, also caps the upside potential in strong bull markets. The mix with growth-focused ETFs and conservative fixed-income assets indicates an attempt to balance growth with income and risk management.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 16.89% and a maximum drawdown of -16.05%, your portfolio has demonstrated resilience and considerable growth. The days contributing to 90% of returns being limited to 13 suggests that your portfolio's performance may be heavily influenced by specific market events or conditions, which can be typical for strategies involving options like covered calls. This performance should be viewed within the context of the broader market trends during the period analyzed.

Projection Info

Monte Carlo simulations, which use historical data to forecast future portfolio performance through thousands of potential market scenarios, suggest a wide range of outcomes for your portfolio. With all simulations showing positive returns and a median projected increase of 837.2%, these results are optimistic. However, it's crucial to remember that such simulations are based on past data, which is not a reliable indicator of future performance, especially in markets that are constantly evolving.

Asset classes Info

  • Stocks
    117%
  • Other
    1%
  • Bonds
    1%

The allocation across asset classes shows a heavy tilt towards stocks (117%), with minimal exposure to bonds and other assets. This stock dominance is primarily due to the substantial investment in covered call ETFs and growth-focused funds. While this can enhance growth potential, it also exposes the portfolio to higher volatility and market risks, making it crucial to ensure this aligns with your risk tolerance and investment goals.

Sectors Info

  • Technology
    27%
  • Consumer Discretionary
    9%
  • Financials
    8%
  • Telecommunications
    8%
  • Industrials
    6%
  • Health Care
    5%
  • Consumer Staples
    3%
  • Energy
    2%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

Your portfolio's sector allocation reveals a significant emphasis on technology, followed by consumer cyclicals and financial services. This sector distribution is reflective of a growth-oriented strategy but also introduces sector-specific risks, particularly the volatility associated with the tech sector. Diversifying across more sectors or adjusting allocations could mitigate some of this risk while still aiming for growth.

Regions Info

  • North America
    65%
  • Europe Developed
    2%
  • Japan
    2%
  • Asia Emerging
    1%
  • Asia Developed
    1%
  • Australasia
    1%

Geographic exposure is heavily concentrated in North America (65%), with minimal allocations to other regions. This concentration enhances exposure to the economic and market conditions of North America, potentially limiting diversification benefits that global exposure can provide. Considering a broader geographic distribution could reduce region-specific risks and tap into growth opportunities in other markets.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    30%
  • Mid-cap
    19%
  • Small-cap
    3%

The market capitalization breakdown shows a preference for mega and big-cap companies, which tend to be more stable and less volatile than smaller companies. However, this focus may limit exposure to the higher growth potential often found in smaller-cap companies. Balancing this with a modest increase in medium to small-cap exposure could enhance growth prospects while managing risk.

Redundant positions Info

  • Roundhill ETF Trust - Roundhill NDX 0DTE Covered Call Strategy ETF
    Roundhill ETF Trust - Roundhill S&P 500 0DTE Covered Call Strategy ETF
    High correlation

The high correlation between the two Roundhill covered call ETFs suggests redundancy in your portfolio, limiting diversification benefits. In volatile markets, this could lead to amplified losses, as both assets may respond similarly. Reducing overlap and introducing less correlated assets could improve the portfolio's risk-adjusted returns.

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.

While your portfolio shows a commendable attempt at balancing growth and income, the presence of highly correlated assets and a heavy focus on specific sectors and regions suggest room for optimization. Aligning the portfolio closer to the Efficient Frontier could enhance returns for the same level of risk by diversifying more effectively across asset classes, sectors, and geographies.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.30%
  • Avantis® Emerging Markets Equity ETF 2.60%
  • Avantis® U.S. Equity ETF 1.10%
  • Roundhill ETF Trust - Roundhill NDX 0DTE Covered Call Strategy ETF 36.50%
  • iShares® 0-3 Month Treasury Bond ETF 4.10%
  • Fidelity® Government Money Market Fund 2.00%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Roundhill ETF Trust - Roundhill S&P 500 0DTE Covered Call Strategy ETF 30.00%
  • Weighted yield (per year) 16.68%

The dividend yields across your holdings contribute significantly to the portfolio's total income, with the covered call ETFs offering exceptionally high yields. While this is beneficial for income generation, it's important to balance the pursuit of high dividends with the growth potential and risk profile of the overall portfolio, ensuring it aligns with your long-term objectives.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Equity ETF 0.33%
  • Avantis® U.S. Equity ETF 0.15%
  • Roundhill ETF Trust - Roundhill NDX 0DTE Covered Call Strategy ETF 0.95%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Roundhill ETF Trust - Roundhill S&P 500 0DTE Covered Call Strategy ETF 0.95%
  • Weighted costs total (per year) 0.53%

The Total Expense Ratio (TER) of 0.53% across your portfolio is relatively moderate, balancing cost efficiency with the specialized strategies employed by some of the ETFs. However, the higher costs of the covered call ETFs should be justified by their performance and role in your portfolio, ensuring they contribute positively to your net returns.

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