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A balanced and broadly diversified portfolio with a strategic focus on global equities

Report created on Jul 22, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

This portfolio showcases a well-considered blend of domestic and international equities, with a significant emphasis on ETFs. The allocation spans across major and emerging markets, with a notable tilt towards technology and financial services sectors. The presence of both broad market and specific regional ETFs suggests an attempt to capture growth across diverse economic environments while maintaining a balanced risk profile.

Growth Info

Historical performance analysis reveals a Compound Annual Growth Rate (CAGR) of 9.11%, with a maximum drawdown of -25.42%. This performance, characterized by a relatively high CAGR in conjunction with a moderate drawdown, indicates resilience in market downturns and an ability to capture upside effectively. The days contributing to 90% of returns highlight the portfolio's sensitivity to market highs, underscoring the importance of staying invested through market cycles.

Projection Info

Monte Carlo simulations, employing thousands of potential market scenarios, project a median increase of 205.8% in portfolio value, with a significant majority of simulations (95.4%) yielding positive returns. This forward-looking analysis suggests a high likelihood of favorable outcomes, though it's crucial to remember that such projections are based on historical data and cannot guarantee future results.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

With 99% of the portfolio allocated to stocks, the focus is clearly on capital growth over income or preservation of capital. This stock-heavy composition is suitable for investors with a medium to long-term horizon and a balanced to slightly aggressive risk tolerance. The minimal cash holding serves as a liquidity reserve but does little to buffer against market volatility.

Sectors Info

  • Technology
    25%
  • Financials
    19%
  • Industrials
    11%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%
  • Consumer Discretionary
    1%

Sector allocation leans heavily towards technology and financial services, which may increase volatility but also offers substantial growth potential. Industrials, consumer cyclicals, and healthcare are also well-represented, providing a degree of diversification. However, the concentration in tech and financials could expose the portfolio to sector-specific risks.

Regions Info

  • North America
    59%
  • Europe Developed
    14%
  • Asia Developed
    9%
  • Asia Emerging
    6%
  • Japan
    5%
  • Africa/Middle East
    3%
  • Latin America
    2%
  • Australasia
    2%
  • Europe Emerging
    1%

Geographic distribution is heavily weighted towards North America, with significant exposure to developed European and Asian markets. Emerging markets, excluding China, also play a substantial role, offering growth opportunities but with added risk. This global spread helps mitigate region-specific risks and capitalizes on growth in both established and developing economies.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    30%
  • Mid-cap
    15%
  • Small-cap
    7%
  • Micro-cap
    4%

The portfolio's market capitalization spread, with a focus on mega and big-cap stocks, suggests a preference for established, less volatile companies. However, the inclusion of medium, small, and micro-cap stocks introduces growth potential and diversification, albeit with increased risk.

Redundant positions Info

  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Avantis® International Small Cap Value ETF
    Vanguard FTSE Developed Markets Index Fund ETF Shares
    High correlation
  • Vanguard Total Stock Market Index Fund ETF Shares
    iShares Core S&P 500 ETF
    Dimensional U.S. Equity ETF
    Vanguard S&P 500 ETF
    High correlation

The high correlation observed among certain ETFs and funds indicates overlapping exposures, particularly within developed markets and U.S. equities. This redundancy can limit diversification benefits and suggests an opportunity to streamline the portfolio by consolidating similar positions.

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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Optimization efforts should focus on reducing asset overlap to enhance diversification benefits. By reassessing highly correlated positions, the portfolio can achieve a more efficient risk-return profile. This process involves identifying and possibly reducing or eliminating investments that offer similar exposures, thereby streamlining the portfolio for better performance potential.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Dimensional U.S. Equity ETF 1.00%
  • iShares MSCI Emerging Markets ex China 2.70%
  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.40%
  • iShares Core S&P 500 ETF 1.30%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 1.86%

The overall dividend yield of 1.86% reflects a moderate income component, complementing capital growth strategies. This yield, derived from a mix of domestic and international equities, offers a balanced approach to income generation without compromising the portfolio's growth orientation.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Dimensional U.S. Equity ETF 0.09%
  • iShares MSCI Emerging Markets ex China 0.25%
  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • iShares Core S&P 500 ETF 0.03%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.10%

With a total expense ratio (TER) of 0.10%, the portfolio benefits from low costs, enhancing net returns over the long term. This efficiency is commendable, as lower costs are crucial for maximizing investment growth, especially in a diversified portfolio comprising primarily ETFs.

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