Balanced multi asset portfolio with strong US growth tilt and smart defensive diversifiers

Report created on Apr 3, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

The portfolio mixes growth, value, and diversifiers in a pretty deliberate way. Around two thirds sits in stock ETFs, led by a big 32% chunk in a Nasdaq 100 fund and meaningful allocations to US and international small-cap value. About 17% is in long-term government bonds, and 16% in “other” assets like gold and managed futures. This kind of blend matters because different assets tend to shine at different times, smoothing the ride overall. The mix lines up well with a “balanced” profile: enough equities to drive growth, but with clear ballast from bonds, gold, and alternatives that can help when stock markets get choppy.

Growth Info

From late 2020 to early 2026, $1,000 in this mix grew to about $2,041, a compound annual growth rate (CAGR) of 14.02%. CAGR is like your average speed on a long road trip, ignoring bumps and stops along the way. That beats both the US market (13.11%) and global market (11.17%) over the same period. The worst drop, or max drawdown, was about -19%, smaller than both benchmarks. That combo of higher return and shallower worst loss is a very solid outcome, though it’s still a short, unusually eventful window, so it shouldn’t be treated as a guarantee of what comes next.

Projection Info

The Monte Carlo simulation looks at many possible futures by reshuffling past returns and volatility patterns, then projects where $1,000 might land over 15 years. Here, the median outcome is about $2,448, with a “typical” range from roughly $1,819 to $3,399 and a wider 5–95% band from $1,161 to $5,006. Think of it as a weather forecast: it shows what’s plausible, not what’s promised. The average simulated annual return of 6.68% is noticeably lower than the recent 14% CAGR, reminding you that the last few years were unusually strong. This helps set expectations at a more realistic, middle-of-the-road level.

Asset classes Info

  • Stocks
    67%
  • Bonds
    17%
  • Other
    16%

Asset-class-wise, the portfolio is 67% stocks, 17% bonds, and 16% “other” (mainly gold and managed futures). That’s more conservative than an all-equity portfolio but still clearly growth-oriented. Compared with many balanced benchmarks that sit around 60/40 stocks/bonds, this mix swaps some bonds for diversifiers. Those “other” assets are helpful because they often behave differently from both stocks and bonds, especially in inflation spikes or crisis periods. Overall, the allocation is well-balanced and aligns closely with global standards for a growth-leaning balanced investor, while adding an extra layer of resilience through non-traditional exposures.

Sectors Info

  • Technology
    18%
  • Consumer Discretionary
    9%
  • Industrials
    7%
  • Financials
    7%
  • Telecommunications
    6%
  • Energy
    5%
  • Basic Materials
    4%
  • Consumer Staples
    4%
  • Health Care
    3%
  • Utilities
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is fairly spread out, with technology the largest at 18%, then consumer discretionary, industrials, financials, telecom, and energy all in single-digit ranges. That tech weight is noticeable but not extreme versus broad-market US indexes, which often run higher. The benefit of this structure is that you still capture upside from innovative, faster-growing businesses, but you’re not entirely dependent on them. Tech-heavy portfolios can be more sensitive to interest rates and changes in growth expectations. Here, meaningful exposure to sectors like financials, industrials, and staples adds some ballast, which can help when high-growth areas temporarily fall out of favor.

Regions Info

  • North America
    51%
  • Europe Developed
    6%
  • Japan
    5%
  • Australasia
    1%
  • Africa/Middle East
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, a little over half the equity exposure sits in North America, with smaller slices in developed Europe, Japan, Australasia, and Africa/Middle East. That’s actually somewhat less US-centric than many US-based portfolios, which often run 60–70%+ in the home market. This gives a broader mix of currencies, economic cycles, and policy environments, which is helpful if any single region slows or struggles. The dedicated international small-cap value allocation also brings in companies that are often underrepresented in global benchmarks. Overall, the geographic footprint supports diversification and avoids being overly tied to just one country’s fortunes.

Market capitalization Info

  • No data
    24%
  • Mega-cap
    16%
  • Small-cap
    15%
  • Mid-cap
    12%
  • Large-cap
    12%
  • Micro-cap
    9%

This breakdown covers the equity portion of your portfolio only.

By market cap, the portfolio blends mega-caps with a strong presence in smaller companies. There’s meaningful exposure to mega and large caps, but also notable allocations to mid-, small-, and even micro-cap stocks. This creates a nice spread across company sizes. Smaller companies tend to be more volatile day-to-day but can offer higher growth potential over long periods, while larger firms are typically more stable and widely followed. That mix helps balance stability and upside. The “no data” slice largely reflects holdings where detailed size breakdowns aren’t captured, but overall the visible pattern suggests a healthy multi-cap approach rather than a narrow mega-cap bet.

True holdings Info

  • NVIDIA Corporation
    2.71%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
  • Apple Inc
    2.45%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
  • iMGP DBi Managed Futures Strategy ETF
    2.23%
    Part of fund(s):
    • iMGP DBi Managed Futures Strategy ETF
  • Microsoft Corporation
    1.80%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
  • Amazon.com Inc
    1.46%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
  • Tesla Inc
    1.20%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
  • Walmart Inc. Common Stock
    1.13%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
  • Alphabet Inc Class A
    1.08%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
  • Meta Platforms Inc.
    1.07%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
  • Alphabet Inc Class C
    1.00%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
  • Top 10 total 16.13%

Looking through the ETFs, the biggest underlying exposures are familiar mega-cap US names like NVIDIA, Apple, Microsoft, Amazon, Tesla, Alphabet, Meta, and Walmart. None of these positions is huge alone (around 1–3% each at the look-through level), but they cluster in similar business types and growth profiles. Because only top-10 ETF holdings are visible, true overlap is likely higher than shown. Hidden concentration like this means several funds can move together when big tech or large US growth names rally or stumble. The upside is strong participation in major winners; the tradeoff is that shocks in these names can echo across multiple holdings at once.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 64%
Size
Exposure to smaller companies
Neutral
Data availability: 88%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 73%
Quality
Preference for financially healthy companies
Neutral
Data availability: 64%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 84%

Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.

Factor exposure scores hover around the neutral 50% mark for value, size, momentum, quality, yield, and low volatility. Factor exposure is basically how much your portfolio leans into traits that research links to returns, like cheapness (value) or trend-following (momentum). Here, being near-neutral across the board means behavior should be broadly similar to the overall market rather than strongly tilted to any single style. That’s a positive alignment for someone who wants broad market-like behavior without making big bets on one factor working. It should also help avoid getting whipsawed if one style—like value or growth—goes sharply in or out of favor.

Risk contribution Info

  • Invesco NASDAQ 100 ETF
    Weight: 32.00%
    47.8%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 18.00%
    26.1%
  • Avantis® International Small Cap Value ETF
    Weight: 14.00%
    15.6%
  • SPDR® Gold Shares
    Weight: 15.00%
    7.8%
  • iMGP DBi Managed Futures Strategy ETF
    Weight: 9.00%
    2.1%
  • Top 5 risk contribution 99.3%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ a lot from its weight. The Nasdaq 100 ETF is 32% of the assets but contributes nearly 48% of total risk, while the US small-cap value ETF is 18% of assets and about 26% of risk. Together with international small-cap value, the top three account for roughly 89% of risk. That means the equity growth sleeve really dominates the ride, even though bonds, gold, and managed futures are meaningful in dollar terms. Periodic rebalancing or modest size tweaks can bring risk more in line with how the dollars are actually split.

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.

On the risk–return chart, the current portfolio has a Sharpe ratio of about 0.77, while the best mix of these same holdings could reach around 1.27 at slightly lower risk. The Sharpe ratio measures how much extra return you get for each unit of volatility, after accounting for a risk-free rate—higher is better. Because the current point sits about 3 percentage points below the efficient frontier, there’s room to improve just by reweighting what’s already here, no new products required. That’s encouraging: the ingredients are strong, but a different recipe could deliver similar or better returns with a smoother ride.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.00%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • iMGP DBi Managed Futures Strategy ETF 5.30%
  • Invesco NASDAQ 100 ETF 0.50%
  • iShares Trust 3.70%
  • iShares 20+ Year Treasury Bond ETF 4.10%
  • Weighted yield (per year) 1.77%

The overall portfolio yield is about 1.77%, which is moderate and clearly not the main focus. Dividend yield is the income you get as a percentage of what you’ve invested, like interest from a savings account but not guaranteed. Higher-yield pieces include the managed futures ETF, the bond fund, and the international small-cap value ETF, while the Nasdaq 100 slice yields very little. This setup fits a growth-oriented approach where total return (price gains plus income) matters more than steady cash flow. For an investor still in the accumulation phase, reinvesting these modest dividends can quietly boost long-term compounding.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iMGP DBi Managed Futures Strategy ETF 0.85%
  • SPDR® Gold Shares 0.40%
  • Invesco NASDAQ 100 ETF 0.15%
  • iShares Trust 0.07%
  • iShares 20+ Year Treasury Bond ETF 0.15%
  • Weighted costs total (per year) 0.29%

The weighted average total expense ratio (TER) of about 0.29% per year is impressively low for an actively flavored, multi-asset setup. TER is simply what the funds charge annually to manage your money. The cheapest piece is the broad iShares ETF at 0.07%, while the most expensive is the managed futures strategy at 0.85%, which is typical for a more complex strategy. Keeping average costs under 0.30% is a real strength: every 0.1% saved each year is money that keeps compounding for you instead of going out in fees. This cost discipline supports better long-term performance without sacrificing diversification.

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