This portfolio has only about 2 months 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 conservative portfolio with a strong focus on tech and high liquidity

Report created on Aug 2, 2025

Risk profile Info

2/7
Conservative
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is marked by a significant allocation to the SPDR S&P 500 ETF Trust and a substantial position in a money market fund, together accounting for over 70% of the portfolio. The inclusion of major tech stocks like NVIDIA and Alphabet adds a tech-centric tilt. The Vanguard Total International Stock Index Fund ETF provides some international exposure, though it's relatively modest. This composition suggests a cautious approach, favoring liquidity and established large-cap equities, particularly in the technology sector.

Growth Info

The portfolio has shown an impressive Compound Annual Growth Rate (CAGR) of 40.95%, with a maximum drawdown of just -1.83%. Such performance metrics are exceptional, especially considering the conservative profile of the portfolio. However, it's important to note that past performance is not always indicative of future results. The days contributing to 90% of returns being so few indicates that a small number of very good days significantly influenced overall performance.

Projection Info

Monte Carlo simulations, which use historical data to forecast potential future outcomes, suggest a wide range of possibilities for this portfolio. With all simulations showing positive returns and a median projected increase significantly high, it indicates strong potential. Yet, it's crucial to remember that these projections are speculative and depend on past market behavior, which may not repeat in the future.

Asset classes Info

  • Stocks
    77%

The portfolio's asset allocation leans heavily towards stocks (77%), with a notable portion in cash equivalents through the money market fund. This mix supports a conservative strategy, aiming for growth through equities while maintaining a significant safety net in highly liquid assets. The absence of bonds or alternative investments might limit diversification benefits, especially during volatile market periods.

Sectors Info

  • Technology
    30%
  • Telecommunications
    14%
  • Financials
    8%
  • Consumer Discretionary
    6%
  • Health Care
    5%
  • Industrials
    5%
  • Consumer Staples
    3%
  • Energy
    2%
  • Utilities
    1%
  • Basic Materials
    1%
  • Real Estate
    1%

With 30% in technology and notable allocations in communication services and financial services, the portfolio is positioned to benefit from growth in these sectors. However, this concentration also exposes it to sector-specific risks, such as regulatory changes or technological disruptions. Diversifying across a broader range of sectors could help mitigate these risks.

Regions Info

  • North America
    69%
  • Europe Developed
    3%
  • Asia Emerging
    1%
  • Japan
    1%
  • Asia Developed
    1%

The geographic allocation is heavily skewed towards North America (69%), with minimal exposure to international markets. This concentration in a single region increases vulnerability to local economic and political events. Expanding the international exposure, particularly to emerging markets, could enhance diversification and potential for growth.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    19%
  • Mid-cap
    10%
  • Small-cap
    1%

The focus on mega and big-cap stocks (66% combined) aligns with the portfolio's conservative risk profile, as these companies are typically more stable and less volatile. However, the limited exposure to medium, small, and micro-cap stocks restricts potential high-growth opportunities that these segments can offer, albeit with higher 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.

While the portfolio has performed admirably, there's room for optimization towards an even more efficient risk-return profile. The current allocation has shown great past returns, but adjusting the balance between asset classes and diversifying further geographically and sectorally could enhance performance while maintaining or even reducing risk levels.

Dividends Info

  • Alphabet Inc Class C 0.40%
  • SPDR S&P 500 ETF Trust 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 0.79%

The dividend yields from Alphabet, SPDR S&P 500 ETF, and Vanguard Total International Stock Index Fund contribute to the portfolio's income, with an overall yield of 0.79%. While not the primary focus, these dividends provide a steady income stream, which is beneficial for a conservative strategy, adding to returns in both up and down markets.

Ongoing product costs Info

  • SPDR S&P 500 ETF Trust 0.10%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

The portfolio benefits from low costs, with the Total Expense Ratios (TERs) of the included ETFs being very competitive. Lower costs directly translate to higher net returns for the investor over time. Maintaining this focus on cost efficiency is crucial, especially in a conservative portfolio where margins for returns may be thinner.

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