This portfolio has only about 1.2 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 high dividend focus and significant exposure to the S&P 500

Report created on May 16, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification
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Positions

This portfolio predominantly invests in ETFs and common stocks, with a major allocation towards an S&P 500 high-income ETF, making up 57% of the portfolio. The diversification across asset classes shows a strong tilt towards stocks at 84%, with minimal allocations in cash and bonds. The portfolio's sectoral spread includes financial services, technology, and healthcare as the leading sectors, indicating a focus on industries traditionally known for providing stable dividends. However, the single-focused diversification score suggests room for improvement in spreading risk across different investment vehicles and sectors.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 25.18% and a maximum drawdown of -19.57%, the portfolio has demonstrated strong historical performance. The days contributing to 90% of returns are notably few, suggesting that a small number of highly positive days have significantly influenced the portfolio's overall performance. While past success is commendable, investors should be cautious, as such patterns may not reliably predict future outcomes.

Projection Info

Monte Carlo simulations, which forecast future performance based on historical data, show a wide range of outcomes with the median simulation suggesting a potential increase of over 2200%. While these projections are optimistic, it's crucial to remember that they are based on past trends, which are not guaranteed to repeat. This method helps in understanding possible future scenarios but should not be the sole basis for investment decisions.

Asset classes Info

  • Stocks
    84%
  • Cash
    12%
  • Bonds
    4%

The heavy allocation towards stocks, particularly within the S&P 500, positions this portfolio for growth, leveraging the historical resilience and performance of large-cap companies. The minimal bond exposure and cash holdings are typical for a balanced profile aiming for higher returns, albeit with moderate risk. However, diversifying further across asset classes could enhance stability without significantly compromising growth potential.

Sectors Info

  • Financials
    20%
  • Technology
    18%
  • Health Care
    9%
  • Real Estate
    8%
  • Consumer Staples
    8%
  • Consumer Discretionary
    6%
  • Telecommunications
    5%
  • Industrials
    4%
  • Utilities
    4%
  • Energy
    2%
  • Basic Materials
    1%

The sectoral allocation reflects a strategic emphasis on financial services, technology, and healthcare, sectors known for their robust dividends and growth potential. This concentration aligns with the portfolio's income-generating goals. However, the limited exposure to sectors like energy, utilities, and basic materials suggests an opportunity to further diversify and hedge against sector-specific downturns.

Regions Info

  • North America
    85%

With 85% of assets allocated to North America, the portfolio's geographic exposure is heavily skewed towards the US market. This concentration benefits from the US economy's stability and growth but also exposes the portfolio to domestic market volatility. Expanding into international markets could offer additional diversification benefits and access to growth in other regions.

Market capitalization Info

  • Large-cap
    32%
  • Mega-cap
    31%
  • Mid-cap
    14%
  • Small-cap
    4%
  • Micro-cap
    3%

The portfolio's market capitalization breakdown shows a balanced mix of big, mega, and medium-sized companies, providing a solid foundation of stability and growth potential. However, the relatively lower allocation to small and micro-cap stocks limits exposure to high-growth potential segments, which could offer higher returns albeit with increased volatility.

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 current portfolio's efficiency could be improved as indicated by the potential for a more efficient portfolio with an expected return of 4.87% at the same risk level. This suggests that there is an opportunity to reallocate assets to achieve a better risk-return ratio. Rebalancing towards this optimal mix could enhance the portfolio's performance without increasing its overall risk.

Dividends Info

  • Tidal Trust II 133.10%
  • Realty Income Corp 5.70%
  • Putnam ETF Trust - Putnam BDC Income ETF 9.80%
  • iShares® 0-3 Month Treasury Bond ETF 4.70%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 12.40%
  • Financial Select Sector SPDR® Fund 1.40%
  • Consumer Staples Select Sector SPDR® Fund 2.50%
  • Utilities Select Sector SPDR® Fund 2.80%
  • Health Care Select Sector SPDR® Fund 1.80%
  • Weighted yield (per year) 21.98%

The portfolio's focus on high dividend-yielding investments, as evidenced by significant allocations to specific ETFs and stocks, underlines its income-generating strategy. The total yield of 21.98% is impressive, offering a considerable income stream. However, investors should also consider the sustainability of these dividends and the potential for capital growth.

Ongoing product costs Info

  • Tidal Trust II 0.99%
  • Putnam ETF Trust - Putnam BDC Income ETF 6.79%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 0.68%
  • Financial Select Sector SPDR® Fund 0.09%
  • Consumer Staples Select Sector SPDR® Fund 0.09%
  • Utilities Select Sector SPDR® Fund 0.09%
  • Health Care Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.98%

The Total Expense Ratio (TER) of 0.98% is within a reasonable range, considering the portfolio's composition. The high cost of the Putnam ETF Trust - Putnam BDC Income ETF at 6.79% stands out and warrants review, especially in light of its impact on net returns. Lowering costs where possible can significantly enhance long-term performance.

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