This portfolio has only about 1.8 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.
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Balanced portfolio with a mix of stocks ETFs and exposure to Bitcoin for diversified growth

Report created on Nov 6, 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 showcases a strategic blend of broad-market equity funds, dividend-focused ETFs, international stock exposure, and an innovative touch with Bitcoin. The allocation leans heavily on stock (89%), with a notable portion in U.S. equities and a balanced mix in international markets. The inclusion of specific income-generating stocks and a cryptocurrency ETF introduces both higher yield potential and increased volatility, reflecting a balanced risk profile with a tilt towards growth and income.

Growth Info

Historically, this portfolio has demonstrated robust growth with a Compound Annual Growth Rate (CAGR) of 20.02%. While impressive, it's essential to recognize that past performance is not a reliable indicator of future results. The maximum drawdown of -16.22% suggests a moderate risk level, aligning with the portfolio's balanced risk classification. The concentration in high-performing sectors likely contributed to these returns, but investors should remain cautious of potential volatility.

Projection Info

Utilizing Monte Carlo simulations, which forecast potential outcomes based on historical data, this portfolio shows a wide range of future scenarios. With a median projected growth of 1,541% and 999 out of 1,000 simulations predicting positive returns, the outlook appears optimistic. However, it's critical to understand the limitations of such simulations, as they cannot account for unforeseen market shifts or global economic changes.

Asset classes Info

  • Stocks
    89%
  • Other
    10%
  • Cash
    1%

The portfolio's asset allocation underscores a strong preference for equities, with a minor allocation to "Other" presumably representing the Bitcoin ETF and a negligible cash position. This composition supports the pursuit of growth while the minimal cash holding suggests a fully invested stance, aiming to maximize market exposure. Diversifying further into other asset classes could offer additional risk mitigation benefits.

Sectors Info

  • Financials
    22%
  • Technology
    16%
  • Industrials
    9%
  • Health Care
    9%
  • Consumer Staples
    8%
  • Energy
    7%
  • Telecommunications
    5%
  • Consumer Discretionary
    5%
  • Consumer Discretionary
    3%
  • Basic Materials
    3%
  • Real Estate
    1%
  • Utilities
    1%

Sector allocation reveals a heavy emphasis on Financial Services and Technology, sectors known for their volatility but also for offering significant growth opportunities. The balanced distribution across Industrials, Healthcare, and Consumer sectors suggests an attempt to mitigate sector-specific risks. However, the high concentration in Financial Services and Technology could expose the portfolio to sector-specific downturns.

Regions Info

  • North America
    67%
  • Europe Developed
    10%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic exposure is predominantly in North America (67%), with a reasonable spread across developed European markets and emerging markets in Asia. This geographic distribution enhances diversification, reducing the risk of regional economic downturns impacting the entire portfolio. Nonetheless, the underrepresentation of emerging markets outside of Asia could mean missed opportunities in high-growth regions.

Market capitalization Info

  • Large-cap
    36%
  • Mega-cap
    24%
  • Mid-cap
    19%
  • Small-cap
    9%
  • Micro-cap
    1%

The market capitalization breakdown shows a balanced approach, with a mix of Big, Mega, and Medium cap stocks. This indicates a strategy aiming for stability offered by larger companies while seeking growth potential in medium-sized firms. The small and micro-cap allocations are minimal, suggesting a cautious approach to the higher volatility typically associated with smaller companies.

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.

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Considering the Efficient Frontier, this portfolio appears to strike a balance between risk and return, though there may be room for optimization. Adjusting allocations could potentially improve the risk-return profile, aiming for the most efficient combination of assets. This process, however, should be approached with caution, considering individual risk tolerance and investment goals.

Dividends Info

  • Ares Capital Corporation 9.40%
  • FS Credit Opportunities Corp. 12.20%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • SCHWAB TOTAL STOCK MARKET INDEX FUND SELECT SHARES 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 3.06%

The portfolio's dividend yield stands at an average of 3.06%, boosted by high-yielding positions in Ares Capital Corporation and FS Credit Opportunities Corp. This yield contributes to the portfolio's income generation, complementing capital growth. For investors prioritizing income, this focus on dividend-yielding assets is advantageous, though it's essential to balance yield pursuit with the overall risk profile.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • SCHWAB TOTAL STOCK MARKET INDEX FUND SELECT SHARES 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

With an overall Total Expense Ratio (TER) of 0.05%, the portfolio is cost-efficient, maximizing the potential for net returns. Lower costs are crucial for long-term growth, as even small percentage savings can compound significantly over time. The portfolio's focus on low-cost ETFs and funds is commendable and aligns with best practices for maximizing investment efficiency.

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