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.

A balanced portfolio with a strong foundation in global equities and a sprinkle of alternative investments

Report created on Aug 10, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio is primarily composed of two major ETFs, with the Vanguard S&P 500 ETF and the Vanguard Total International Stock Index Fund ETF Shares together making up 98% of the portfolio. This composition suggests a strong foundation in global equities, leveraging the diversification benefits of both U.S. and international stocks. The inclusion of the Fidelity Wise Origin Bitcoin Trust and SPDR® Gold Shares, each at 1%, introduces a modest allocation to alternative investments, potentially offering additional diversification and a hedge against inflation.

Growth Info

Historically, the portfolio has demonstrated robust performance with a Compound Annual Growth Rate (CAGR) of 20.50%. This performance is notably strong, especially when considering the balanced risk profile of the portfolio. The maximum drawdown of -16.18% indicates a relatively moderate level of risk, given the high returns. This balance of risk and return is indicative of a well-constructed portfolio that has navigated market fluctuations effectively.

Projection Info

Using a Monte Carlo simulation, which projects future performance based on historical data, the portfolio shows a wide range of potential outcomes. While historical data is not a guarantee of future performance, this method helps in understanding potential volatility and return scenarios. The simulations suggest a very optimistic outlook, with a median projected increase of 9,782.6%. However, investors should consider the inherent uncertainties and limitations of predictive models.

Asset classes Info

  • Stocks
    97%
  • Other
    2%
  • Cash
    1%

The asset allocation is heavily weighted towards stocks (97%), with a small portion in alternatives (2%) and cash (1%). This high allocation to equities is typical for portfolios seeking growth, though it comes with higher volatility. The inclusion of alternatives like Bitcoin and gold, even in small amounts, can offer some diversification benefits, especially during times of market stress or inflation.

Sectors Info

  • Technology
    25%
  • Financials
    17%
  • Industrials
    11%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    2%

The sectoral allocation is well-diversified across technology, financial services, industrials, consumer cyclicals, and healthcare, among others. This diversification helps mitigate sector-specific risks. The heavy weighting towards technology (25%) aligns with the sector's significant role in modern economies but also introduces sector-specific volatility.

Regions Info

  • North America
    66%
  • Europe Developed
    14%
  • Asia Emerging
    6%
  • Japan
    5%
  • Asia Developed
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic diversification is achieved through a mix of North American, European, Asian, and Australasian exposures. The dominant North American allocation (66%) is complemented by significant investments in developed Europe and emerging Asian markets. This geographic spread can help cushion the portfolio against regional downturns and capitalize on global growth opportunities.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    33%
  • Mid-cap
    17%
  • Small-cap
    2%
  • No data
    1%

The portfolio's exposure across market capitalizations is skewed towards larger companies (Mega and Big cap), which tend to be more stable and less volatile than smaller companies. However, the inclusion of medium and small-cap exposures ensures potential growth opportunities are not missed. This balance supports a strategy aimed at long-term growth with moderated 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 current portfolio's performance is solid, but optimization analysis suggests there's room for improvement. By adjusting allocations within the existing assets, the portfolio could potentially achieve a higher expected return of 35.63% for the same level of risk. This indicates that while the portfolio is well-constructed, slight adjustments could further enhance its efficiency.

Dividends Info

  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.74%

The dividend yields from the Vanguard S&P 500 ETF and the Vanguard Total International Stock Index Fund ETF Shares contribute to the portfolio's total yield of 1.74%. While not the primary focus, these dividends can provide a steady income stream and help reduce volatility, supporting the portfolio's balanced growth strategy.

Ongoing product costs Info

  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • SPDR® Gold Shares 0.40%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

The portfolio's overall expense ratio is impressively low at 0.04%, which is beneficial for long-term growth as lower costs can significantly compound over time. The low costs are primarily due to the efficient structure of the chosen ETFs, aligning well with a strategy focused on maximizing net returns.

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