Conservative income focused mix with strong quality tilt and modest growth participation

Report created on May 10, 2026

Risk profile Info

2/7
Conservative
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is built around a large bond anchor, supported by broad stock funds and a few diversifiers. Roughly half sits in bond-focused ETFs, led by floating-rate Treasuries and AAA-rated securitized credit, while just under a third is in stock market index funds plus a momentum slice. Smaller positions in gold, managed futures, extended-duration Treasuries, income ETFs, and a small bitcoin stake round out the mix. Structurally, this leans clearly toward capital preservation and income rather than aggressive growth. The variety of holdings across rates-sensitive bonds, credit, stocks, commodities, and crypto creates multiple return drivers, so the portfolio is not relying on a single market or theme to do all the work.

Growth Info

Over the period shown, a $1,000 investment in this portfolio grew to about $1,349, implying a compound annual growth rate (CAGR) of 13.84%. CAGR is like average speed on a road trip, smoothing out bumps along the way. That pace lagged both the US and global equity markets, which delivered around 21–22% annually but with much deeper drawdowns. The portfolio’s worst peak‑to‑trough decline was about -7.4%, versus -16–19% for the benchmarks. This smaller drawdown is consistent with the conservative, bond-heavy structure. The trade-off on display is lower long‑term growth than all‑equity benchmarks, but with significantly milder swings and a faster recovery from the worst dip.

Projection Info

The forward projection uses Monte Carlo simulation, which essentially “replays” many possible futures based on how the portfolio behaved historically. Each simulation shakes returns and volatility around, then shows where a $1,000 investment could land after 15 years. Here, the median outcome is about $2,253, or roughly a 5.64% annualized return across simulations, with a 72.7% chance of ending above the starting amount. The ranges (p25–p75 and p5–p95) show how outcomes cluster and how wide the uncertainty is. It’s important to remember Monte Carlo relies on past patterns, which may not repeat. Shocks, regime changes, or new asset behavior can make future results differ meaningfully from these projections.

Asset classes Info

  • Bonds
    48%
  • Stocks
    31%
  • Other
    13%
  • No data
    5%
  • Crypto
    3%

By asset class, about 48% of the portfolio is in bonds, 31% in stocks, 13% in “other” (like commodities or alternatives), 3% in crypto, and 5% with no data. This puts fixed income at the center, which tends to dampen volatility and emphasize income over pure capital gains. Compared with a typical global equity portfolio, the stock slice is intentionally smaller, while the “other” bucket adds some diversifiers that may behave differently from both bonds and stocks. This kind of spread can help reduce the impact of stock market downturns, though it also means the portfolio will usually not match the strong upside of a stock‑only benchmark in roaring bull markets.

Sectors Info

  • Technology
    9%
  • Consumer Discretionary
    8%
  • Financials
    4%
  • Industrials
    4%
  • Crypto
    3%
  • Health Care
    3%
  • Telecommunications
    3%
  • Consumer Staples
    2%
  • Energy
    1%
  • Basic Materials
    1%
  • Utilities
    1%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, the equity portion is reasonably spread out, with technology and consumer discretionary the largest at 9% and 8%, then financials and industrials at 4% each. Smaller allocations cover health care, telecom, staples, energy, materials, utilities, and real estate, and there is a separate 3% crypto slice. This broad coverage looks well-balanced compared with typical diversified equity benchmarks, without a single sector dominating overall exposure. A moderate tech tilt is common today, and here it sits within a diversified mix rather than overwhelming it. Sector balance helps make returns less dependent on any one part of the economy, so weakness in a single industry is less likely to drive the entire portfolio’s equity behavior.

Regions Info

  • North America
    30%
  • Europe Developed
    2%
  • Japan
    1%
  • Asia Developed
    1%
  • Asia Emerging
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, around 30% of the portfolio is exposed to North America, with only small slices in developed Europe, Japan, and other developed and emerging Asian markets. The fixed-income part is largely domestic as well. Compared with global equity benchmarks where North America often sits around 60% of market cap, this portfolio’s overall exposure is lower in percentage terms but still clearly US-led. The relatively modest allocation to non‑US regions means currency and economic risk is more tied to the US than to the broader world. This can be helpful if you prefer alignment with the US economy, but it also means that developments abroad have a more muted influence on total returns.

Market capitalization Info

  • Mega-cap
    13%
  • Large-cap
    10%
  • Mid-cap
    6%
  • No data
    4%
  • Small-cap
    2%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the equity slice leans strongly toward larger companies: about 13% in mega‑caps, 10% in large‑caps, and 6% in mid‑caps, with smaller pieces in small and micro‑caps and a small “no data” bucket. This pattern is very similar to mainstream index funds, which are naturally dominated by the biggest listed companies. Large‑cap focus tends to bring more stability and liquidity than small‑cap heavy portfolios, though it may miss some of the more explosive growth (and risk) that smaller companies can experience. Overall, this size mix is aligned with broad-market norms and supports the conservative character of the overall portfolio.

True holdings Info

  • Simplify Government Money Market ETF
    5.87%
    Part of fund(s):
    • Simplify Managed Futures Strategy ETF
  • Grayscale Bitcoin Mini Trust (BTC)
    3.00%
    Part of fund(s):
    • iShares Bitcoin Trust
  • Brent Crude Future July 26
    2.88%
    Part of fund(s):
    • Simplify Managed Futures Strategy ETF
  • NVIDIA Corporation
    1.68%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    1.30%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Brent Crude Future Aug 26
    1.09%
    Part of fund(s):
    • Simplify Managed Futures Strategy ETF
  • Microsoft Corporation
    0.96%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    0.75%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    0.74%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    0.70%
    Part of fund(s):
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 18.98%

This breakdown covers the equity portion of your portfolio only.

The look‑through view of ETF top‑10 holdings suggests the portfolio is not heavily concentrated in any single stock. The largest underlying positions include a government money market fund, bitcoin exposure, oil futures, and a handful of mega‑cap tech names like NVIDIA, Apple, Microsoft, Alphabet, Broadcom, and Amazon — each generally well under 2% of the total portfolio. Some of these companies appear via multiple funds, creating modest overlap, but with coverage data limited to ETF top tens, actual overlap is likely higher but still diversified. The key point is that hidden single‑stock risk appears contained, with the portfolio’s behavior more driven by broad asset class and factor exposure than by a couple of individual names.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 31%
Size
Exposure to smaller companies
Low
Data availability: 40%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 36%
Quality
Preference for financially healthy companies
High
Data availability: 51%
Yield
Preference for dividend-paying stocks
High
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 65%

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 shows a clear tilt toward quality, yield, and low volatility, all scored in the “high” range. Factors are like the underlying traits — such as cheapness, size, or price stability — that research has linked to long‑term returns. A high quality tilt means holdings tend to have stronger balance sheets or profitability, which often helps in downturns. High yield indicates above‑average income payments, aligning with the income focus. High low‑volatility exposure suggests a preference for steadier, less jumpy assets. Value and momentum sit roughly neutral, and size is mildly tilted away from smaller companies. Taken together, this factor mix is very consistent with a conservative, income‑oriented approach that emphasizes smoother rides over chasing aggressive growth themes.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 22.00%
    52.9%
  • iShares Bitcoin Trust
    Weight: 3.00%
    14.7%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 6.00%
    12.2%
  • Invesco S&P 500® Momentum ETF
    Weight: 3.00%
    8.5%
  • SPDR® Gold Shares
    Weight: 4.00%
    5.0%
  • Top 5 risk contribution 93.3%

Risk contribution highlights how much each holding drives the portfolio’s ups and downs, which can differ a lot from its weight. Here, the total US stock market ETF is 22% of the portfolio but contributes about 53% of overall risk — more than double its size. The 3% bitcoin position contributes nearly 15% of risk, making it a small slice with an outsized impact. The international stock fund and the momentum ETF together add another 20% or so of risk. In total, the three riskiest positions account for about 80% of portfolio volatility. This means day‑to‑day movement is mostly about those equity and crypto pieces, while the large bond and gold holdings play a stabilizing background role.

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 efficient frontier chart compares this portfolio’s risk/return mix to the best combinations achievable using the same holdings. Sharpe ratio, a measure of return per unit of risk, is 1.42 for the current mix, versus much higher values for the minimum‑variance and “optimal” portfolios. The current allocation sits about 5.1 percentage points below the frontier at its risk level, meaning historical data suggests there were combinations of these same ETFs that could have delivered a similar return with less volatility, or higher return for the same volatility. Put simply, the building blocks are strong, but the weights haven’t historically squeezed out every bit of risk‑adjusted efficiency they potentially could.

Dividends Info

  • Simplify Managed Futures Strategy ETF 4.20%
  • Vanguard Extended Duration Treasury Index Fund ETF Shares 5.00%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 5.00%
  • JPMorgan Income ETF 5.60%
  • Invesco S&P 500® Momentum ETF 0.70%
  • WisdomTree Floating Rate Treasury Fund 4.00%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.00%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 3.22%

Income is a notable feature here. The overall dividend yield is about 3.22%, supported by several bond and income ETFs paying around 4–5.6%, plus moderate yields from international stocks. Yield is the cash paid out as interest or dividends each year, relative to the investment’s price. Those distributions can be an important part of total return, especially in a conservative, bond‑heavy mix. The trade‑off is that some higher‑yielding assets may have lower growth potential or different risk characteristics than low‑yielding growth assets. In this portfolio, yield levels and factor tilts line up well, creating a steady income profile without relying heavily on very high‑yield or concentrated positions.

Ongoing product costs Info

  • Simplify Managed Futures Strategy ETF 0.78%
  • Vanguard Extended Duration Treasury Index Fund ETF Shares 0.06%
  • SPDR® Gold Shares 0.40%
  • iShares Bitcoin Trust 0.12%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 0.21%
  • JPMorgan Income ETF 0.41%
  • Invesco S&P 500® Momentum ETF 0.13%
  • WisdomTree Floating Rate Treasury Fund 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) 0.18%

Costs are impressively low overall, with a total expense ratio (TER) of about 0.18%. TER is the annual fee charged by funds, expressed as a percentage of assets. Most holdings sit at low levels, especially the broad Vanguard index ETFs, which anchor costs. A couple of specialized strategies, like the managed futures fund and some income products, carry higher individual TERs, but their smaller weights keep the blended cost modest. Over long periods, even tiny fee differences compound, so staying under 0.20% is a strong structural advantage. It means more of the portfolio’s gross returns stay in the portfolio rather than going out in fund fees. This cost profile is a clear strength.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey