This portfolio has only about 6 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.

Conservative income tilted portfolio with large cash holding and diversified high income ETFs

Report created on Dec 13, 2025

Risk profile Info

2/7
Conservative
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio structure is dominated by cash like holdings and income oriented ETFs with 22% in a very short Treasury ETF and roughly 64% allocated to equities and equity-like income vehicles. Bond exposure is modest at about 6% with a small slice classified as other or not classified. Compared with a typical conservative benchmark that leans more to intermediate bonds and less to short cash, this mix is notable for cash liquidity and many high‑income or closed‑end fund wrappers. Recommendation: consider consolidating overlapping income funds, trim excessive cash that may drag returns, and maintain a clear target allocation that matches stated conservative objectives.

Growth Info

Historic numbers show strong nominal growth with a reported CAGR of 17.48% and a shallow max drawdown of -3.65%. CAGR, or Compound Annual Growth Rate, measures average annual growth as if returns were smoothed over time—like converting many variable yearly speeds into one steady pace. For example a $10,000 hypothetical investment growing at 17.48% annually for ten years would be roughly five times larger. While this performance is impressive, historical returns reflect past conditions and may not repeat. Recommendation: treat past CAGR as informative but not predictive and focus on risk controls and cost reduction to protect future compounding.

Projection Info

The Monte Carlo simulation used 1,000 randomized paths to estimate potential future outcomes by sampling from historical return patterns and volatility. Monte Carlo is a tool that models many possible futures rather than one single forecast—think of it as stress‑testing many weather scenarios for investment returns. Results show a wide spread with the 5th percentile at 312% and median outcome at 1,312%, indicating skewed upside in the model. Simulations depend heavily on the historical inputs and assumptions; they are helpful for planning but not guarantees. Recommendation: use these scenarios to set realistic targets and contingency plans for low percentile outcomes.

Asset classes Info

  • Stocks
    64%
  • Cash
    22%
  • Bonds
    6%
  • No data
    4%
  • Other
    1%

Allocation across asset classes is skewed toward equities (64%) with a meaningful cash position (22%) and only 6% in bonds. This contrasts with a classic conservative mix that typically favors bonds over equities; here cash replaces much of the traditional bond sleeve. Broad diversification across asset classes reduces reliance on any single market cycle, but the current spread concentrates return risk in equity and income strategies. Recommendation: determine whether cash is intended as permanent ballast or temporary reserve, then rebalance toward a clearer policy mix—either increase diversified bonds for income stability or shift cash into conservative income assets aligned with the conservative risk profile.

Sectors Info

  • Technology
    16%
  • Financials
    15%
  • Industrials
    5%
  • Health Care
    5%
  • Telecommunications
    4%
  • Consumer Discretionary
    4%
  • Energy
    4%
  • Consumer Staples
    4%
  • Utilities
    4%
  • Real Estate
    3%
  • Basic Materials
    2%

Sector exposure shows meaningful weight in Technology (16%) and Financial Services (15%) with smaller allocations across other sectors. Technology concentration can increase volatility especially when interest rates rise, while Financial Services sensitivity ties to credit cycles and rate spreads. The sector mix broadly follows common market benchmarks in having technology and financial prominence, which is a positive alignment with large cap market structure. Recommendation: monitor sector tilts regularly and consider modest cap or sector rebalancing to avoid unintended cyclical bets while preserving yield orientation.

Regions Info

  • North America
    53%
  • Europe Developed
    5%
  • Asia Emerging
    3%
  • Latin America
    2%
  • Japan
    1%
  • Asia Developed
    1%
  • Europe Emerging
    1%
  • Africa/Middle East
    1%

Geographic exposure is home biased with North America at about 53% and modest allocations to Europe and emerging Asia. This domicile tilt provides familiarity and liquidity benefits but reduces diversification across regional economic cycles and currency exposures. Compared to a global market benchmark, the portfolio underweights developed ex‑US and emerging markets, which can limit access to growth and valuation diversity. Recommendation: consider a gradual reallocation of a few percent into developed ex‑US and emerging market exposures to improve geographic diversification without disrupting income objectives.

Market capitalization Info

  • Large-cap
    19%
  • Mega-cap
    19%
  • Mid-cap
    13%
  • Small-cap
    9%
  • No data
    3%
  • Micro-cap
    3%

Market capitalization mix shows heavy large and mega cap representation with roughly 38% in mega and big names combined, plus mid and small cap exposure at lower levels. Large and mega caps typically offer greater liquidity and lower idiosyncratic risk but may provide lower growth optionality than small caps over certain cycles. The current blend supports stability and tradability which aligns with conservative positioning, though modest small‑cap exposure can add return potential. Recommendation: keep a core of large cap stable holdings while preserving a measured allocation to smaller caps for diversification and potential long‑term return enhancement.

Redundant positions Info

  • SHP ETF Trust - NEOS S&P 500 High Income ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    Goldman Sachs Nasdaq-100 Core Premium Income ETF
    Goldman Sachs S&P 500 Core Premium Income ETF
    NEOS Nasdaq 100 High Income ETF
    High correlation
  • Invesco FTSE RAFI Developed Markets ex-U.S. ETF
    Fidelity Covington Trust
    High correlation

Analysis highlights highly correlated groups among broad US and index linked funds such as S&P 500 and Nasdaq income ETFs along with the Total Stock Market ETF. Correlation measures how assets move together; a high correlation means those holdings tend to rise and fall in tandem, which limits diversification benefit. Another correlated pair links a developed ex‑US ETF and a covington trust vehicle. Recommendation: reduce redundant overlap by consolidating similar exposures into fewer core funds to gain true diversification and lower turnover without sacrificing intended market exposure.

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 portfolio optimization notes the potential to improve efficiency by removing overlapping highly correlated assets. The Efficient Frontier is a concept that shows the best expected return for a given level of risk; optimizing along it means adjusting allocations among the current assets to reach a better risk‑return mix. Here an optimized portfolio with the same risk level could yield an expected return of 4.87% at a risk of 0.21%, suggesting room for improvement through consolidation and reallocation. Recommendation: focus on pruning redundant holdings and then run constrained optimization on the remaining assets to find efficient allocations.

Dividends Info

  • Ares Capital Corporation 9.20%
  • Bank of Nova Scotia 4.20%
  • Saba Closed-End Funds ETF 8.30%
  • Panagram Bbb-B Clo ETF 7.80%
  • Costco Wholesale Corp 0.60%
  • SHP ETF Trust - NEOS Enhanced Income Cash Alternative ETF 5.20%
  • iShares Emerging Markets Dividend ETF 9.10%
  • Eagle Point Income Company Inc 16.90%
  • Fidelity® Total Bond ETF 4.60%
  • Fidelity® Momentum Factor ETF 0.80%
  • Fidelity® High Dividend ETF 3.00%
  • Fidelity® International High Dividend ETF 4.20%
  • FS Credit Opportunities Corp. 12.70%
  • Goldman Sachs Nasdaq-100 Core Premium Income ETF 9.90%
  • Goldman Sachs S&P 500 Core Premium Income ETF 8.10%
  • Amplify International Enhanced Dividend Income ETF 5.30%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 5.30%
  • SPDR Kensho New Economies Composite 0.90%
  • Kroger Company 2.10%
  • Main Street Capital Corporation 6.40%
  • Realty Income Corporation 5.20%
  • Putnam ETF Trust - Putnam BDC Income ETF 10.00%
  • Pimco Corporate & Income Strategy Fund 10.00%
  • Pfizer Inc 6.70%
  • Virtus InfraCap U.S. Preferred Stock 9.30%
  • Invesco FTSE RAFI Developed Markets ex-U.S. ETF 3.00%
  • NEOS Nasdaq 100 High Income ETF 13.70%
  • Defiance Quantum ETF 0.70%
  • ALPS Medical Breakthroughs ETF 2.30%
  • Schwab U.S. Dividend Equity ETF 2.80%
  • iShares® 0-3 Month Treasury Bond ETF 4.10%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 11.60%
  • Cushing MLP Total Return Closed Fund 14.20%
  • Starwood Property Trust Inc 10.40%
  • Svenska Handelsbanken PK 10.20%
  • Trinity Capital Inc 13.40%
  • Cohen and Steers Infrastructure Closed Fund 7.10%
  • Reaves Utility IF 6.30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • YieldMax™ Magnificent 7 Fund of Option Income ETFs 49.70%
  • BTCI 35.70%
  • Fidelity Covington Trust 1.20%
  • NEOS Russell 2000 High Income ETF 13.70%
  • NEOS ETF Trust NEOS Real Estate 10.70%
  • NEOS Gold High Income ETF 5.80%
  • Weighted yield (per year) 7.29%

The portfolio’s yield profile is notable with a reported blended yield around 7.29% and several high yield holdings and closed‑end funds contributing materially. Dividend yield here acts as a meaningful source of return and cash flow, useful for conservative income goals. However, very high yields can signal elevated risk or payout unsustainability, and tax treatment varies by instrument. Recommendation: assess dividend sustainability and distribution sources, prefer diversified dividend streams over concentrated high‑yield bets, and consider tax‑efficient wrappers where appropriate to preserve net income.

Ongoing product costs Info

  • Saba Closed-End Funds ETF 5.81%
  • Panagram Bbb-B Clo ETF 0.51%
  • SHP ETF Trust - NEOS Enhanced Income Cash Alternative ETF 0.38%
  • iShares Emerging Markets Dividend ETF 0.49%
  • Fidelity® Total Bond ETF 0.36%
  • Fidelity® Momentum Factor ETF 0.15%
  • Fidelity® High Dividend ETF 0.15%
  • Fidelity® International High Dividend ETF 0.18%
  • Goldman Sachs Nasdaq-100 Core Premium Income ETF 0.29%
  • Goldman Sachs S&P 500 Core Premium Income ETF 0.29%
  • Amplify International Enhanced Dividend Income ETF 0.66%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 0.21%
  • SPDR Kensho New Economies Composite 0.20%
  • Putnam ETF Trust - Putnam BDC Income ETF 6.79%
  • Pimco Corporate & Income Strategy Fund 0.85%
  • Virtus InfraCap U.S. Preferred Stock 2.52%
  • Invesco FTSE RAFI Developed Markets ex-U.S. ETF 0.45%
  • NEOS Nasdaq 100 High Income ETF 0.68%
  • Defiance Quantum ETF 0.40%
  • ALPS Medical Breakthroughs ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 0.68%
  • Cushing MLP Total Return Closed Fund 2.84%
  • Cohen and Steers Infrastructure Closed Fund 2.29%
  • Reaves Utility IF 2.23%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • YieldMax™ Magnificent 7 Fund of Option Income ETFs 1.28%
  • Fidelity Covington Trust 0.23%
  • NEOS Russell 2000 High Income ETF 0.68%
  • Weighted costs total (per year) 0.61%

Reported costs vary widely across holdings with a stated total TER near 0.61% which is reasonable, but several individual funds carry very high fees—examples include funds with TERs above 5%. TER, or Total Expense Ratio, is the annual cost of owning an ETF or fund expressed as a percentage of assets and acts like a continuous drag on returns over time. High fee outliers can materially reduce long‑term compounding. Recommendation: identify and replace high‑cost funds with lower‑cost equivalents where possible while weighing any tradeoffs in strategy or access to specialized income strategies.

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