This portfolio has only about 1.6 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.

Balanced portfolio with a strong tilt towards technology and innovative assets

Report created on Aug 3, 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 is characterized by a significant allocation to equities, with a 50% weighting in a broad market ETF, 25% in a tech-focused ETF, 13% in international stocks, 7% in international small-cap value stocks, and a 5% position in a Bitcoin trust. This composition suggests a strategy leaning towards growth, with a notable emphasis on the technology sector and an innovative approach to asset selection, including cryptocurrency exposure.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 22.42% and a maximum drawdown of -18.76%, the portfolio has demonstrated strong historical performance. The days contributing most significantly to returns highlight the portfolio's capacity for sharp, concentrated gains. However, it's crucial to note that past performance is not indicative of future results, especially with the inclusion of volatile assets like Bitcoin.

Projection Info

Monte Carlo simulations project a wide range of potential outcomes, with the median scenario suggesting substantial growth. This forward-looking analysis, while useful for understanding possible future scenarios, relies on historical data and cannot account for unforeseen market changes. Investors should consider this variability in the context of their risk tolerance and investment horizon.

Asset classes Info

  • Stocks
    94%
  • Other
    5%
  • Cash
    1%

The asset class breakdown shows a heavy emphasis on stocks (94%), with a minimal allocation to other assets and cash. This concentration in equities enhances the portfolio's growth potential but also increases its susceptibility to market volatility. Diversification into other asset classes could provide a buffer during stock market downturns.

Sectors Info

  • Technology
    31%
  • Financials
    11%
  • Consumer Discretionary
    11%
  • Telecommunications
    9%
  • Industrials
    9%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Basic Materials
    3%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%

The sectoral allocation reveals a strong focus on technology, financial services, and consumer cyclicals, which are sectors known for their growth potential. However, this concentration also exposes the portfolio to sector-specific risks, such as regulatory changes or economic cycles affecting consumer spending and tech industry dynamics.

Regions Info

  • North America
    76%
  • Europe Developed
    8%
  • Japan
    4%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, the portfolio is heavily weighted towards North America (76%), with smaller exposures to developed Europe, Japan, and emerging markets. This geographic distribution supports stability and growth potential but may miss out on the diversification benefits and growth opportunities available in emerging markets and other developed regions.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    27%
  • Mid-cap
    18%
  • Small-cap
    6%
  • Micro-cap
    1%

The market capitalization allocation shows a preference for mega and big-cap stocks, which are typically less volatile than smaller companies. However, this focus may limit the portfolio's exposure to the higher growth potential often found in small and micro-cap stocks, especially in the international and value segments.

Redundant positions Info

  • Invesco NASDAQ 100 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation between the broad market ETF and the tech-focused ETF suggests redundancy, limiting the portfolio's diversification benefits. Reducing overlap by reallocating from correlated assets to less correlated ones could enhance the portfolio's risk-adjusted returns without necessarily increasing its overall risk.

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 current risk-return profile suggests room for optimization, particularly by addressing the high correlation between certain assets. By diversifying more effectively across less correlated assets, the portfolio could achieve a more favorable balance between risk and return, potentially reaching an optimal risk level of 20.67% with an expected return of 34.89%.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.37%

The portfolio's dividend yield, while modest, contributes to its total return. The inclusion of assets with varying dividend yields—from the higher-yielding international small-cap value ETF to the lower-yielding tech ETF—indicates a balanced approach to income generation and growth.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • iShares Bitcoin Trust 0.12%
  • Invesco NASDAQ 100 ETF 0.15%
  • 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) 0.09%

The portfolio's overall low cost, with a Total Expense Ratio (TER) of 0.09%, is commendable. Lower costs directly improve net returns over time, highlighting the portfolio's efficient construction. However, investors should remain vigilant about monitoring fee structures, as even small changes can significantly impact long-term outcomes.

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