This portfolio has only about 1.1 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 and highly diversified portfolio with a strong emphasis on stocks and innovative ETFs

Report created on Nov 13, 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 mix of 66% stocks, complemented by allocations in cash (23%), other asset classes (7%), and bonds (5%). Such a composition indicates a balanced approach, leaning towards growth with a cushion of liquidity and alternative investments for risk management. The inclusion of diverse ETFs and a select index fund provides broad market exposure, while specific allocations to commodities and treasury bonds suggest a hedge against market volatility.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 19.40% and a maximum drawdown of -14.71%, the portfolio's historical performance demonstrates robust growth with relatively moderate drawdowns. The days contributing to 90% of returns being limited to seven underscores the impact of significant market movements on portfolio performance. This historical data, while impressive, should be viewed with the understanding that past performance does not guarantee future results.

Projection Info

The Monte Carlo simulation, projecting potential outcomes using historical data, forecasts a wide range of future performance scenarios. With 998 out of 1,000 simulations showing positive returns and an annualized return of 22.74%, the forward projection is optimistic. However, these projections are speculative and should be considered alongside other factors, including changing market conditions and investment goals.

Asset classes Info

  • Stocks
    66%
  • Cash
    23%
  • Other
    7%
  • Bonds
    5%

The portfolio's asset class distribution supports diversification, balancing between growth-oriented stocks and stability-providing cash and bonds. The 'other' category, including commodities and managed futures ETFs, introduces non-correlated assets which can offer protection against market volatility. This blend aligns with a balanced risk profile, aiming for growth while managing downside risks.

Sectors Info

  • Technology
    17%
  • Financials
    8%
  • Industrials
    6%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Energy
    4%
  • Telecommunications
    4%
  • Consumer Discretionary
    3%
  • Consumer Discretionary
    3%
  • Basic Materials
    2%
  • Real Estate
    1%
  • Utilities
    1%

Sector allocations reveal a significant emphasis on technology (17%), reflecting a growth-oriented strategy but also introducing sector-specific volatility. Financial services, industrials, and healthcare represent substantial allocations, contributing to diversification. However, the portfolio may benefit from increased exposure to underrepresented sectors to further mitigate risk and capture a broader range of opportunities.

Regions Info

  • North America
    45%
  • Europe Developed
    6%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographic exposure is predominantly North American (45%), with minimal allocations to developed Europe, Asia, and emerging markets. This concentration enhances exposure to the stability and growth potential of developed markets but may limit global diversification benefits. Expanding into underrepresented regions could provide broader exposure to global growth trends and reduce geopolitical risks concentrated in a single region.

Market capitalization Info

  • Large-cap
    26%
  • Mega-cap
    23%
  • Mid-cap
    14%
  • No data
    10%
  • Small-cap
    3%
  • Micro-cap
    1%

The portfolio's market capitalization breakdown skews towards big (26%) and mega (23%) cap stocks, offering stability and potential for steady growth. Medium, small, and micro caps represent smaller portions, suggesting a conservative approach to risk. Including a broader range of market caps could enhance growth potential and diversification.

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.

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The portfolio's current position on the Efficient Frontier suggests there is room for optimization to achieve a better risk-return ratio. Adjusting allocations among current assets could enhance expected returns to 4.45% for the same level of risk, indicating potential for improved efficiency without altering the overall risk profile.

Dividends Info

  • iMGP DBi Managed Futures Strategy ETF 4.60%
  • Invesco Optimum Yield Diversified Commodity Strategy No K-1 ETF 4.20%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • iShares® 0-3 Month Treasury Bond ETF 4.20%
  • VanEck Semiconductor ETF 0.30%
  • SCHWAB TOTAL STOCK MARKET INDEX FUND SELECT SHARES 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • BTCI 26.70%
  • Weighted yield (per year) 6.15%

The portfolio's average dividend yield of 6.15% is notably boosted by high-yielding ETFs, contributing to its income generation capabilities. This yield supports total returns, particularly in volatile or bear markets. Maintaining a focus on dividend-yielding investments can provide a steady income stream and potential for reinvestment.

Ongoing product costs Info

  • iMGP DBi Managed Futures Strategy ETF 0.85%
  • SPDR® Gold Shares 0.40%
  • Invesco Optimum Yield Diversified Commodity Strategy No K-1 ETF 0.59%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • VanEck Semiconductor ETF 0.35%
  • 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) 0.18%

With an overall Total Expense Ratio (TER) of 0.18%, the portfolio is cost-efficient, enhancing net returns over the long term. The diverse range of TERs across the investments, from as low as 0.03% to as high as 0.85%, indicates a balance between cost-conscious index fund choices and higher-cost, potentially higher-reward ETFs.

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