This portfolio has only about 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.

A high income portfolio with strong diversification and focused tilts toward commodities and electrification

Report created on Dec 17, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The overall mix leans heavily into equities, with 94% in stock-focused ETFs and only a small slice in bonds and cash. That aligns reasonably well with a “balanced but growth-tilted” approach, especially given the strong income focus from the high-yield positions. The presence of both a broad U.S. index ETF and a high-income S&P 500 ETF provides core exposure, while satellite positions target specific themes like financials, electrification, copper, and uranium. This structure already looks thoughtfully built. One useful next step could be clarifying which holdings are meant as long-term core versus shorter-term tilts, and then sizing them so the core still clearly dominates the overall risk and return profile.

Growth Info

Historically, this mix has delivered a very strong compound annual growth rate (CAGR) of 24.62%, meaning a hypothetical $10,000 could have grown to around $36,000 in five years if that rate persisted. The max drawdown of -15.65% is actually quite moderate for that level of return, suggesting a favorable risk-return tradeoff so far. Also, “9 days making up 90% of returns” shows performance has been driven by a small number of very strong days, which is common in equity-heavy portfolios. It’s important to remember that this history covers a specific market environment; future results can differ significantly even with the same mix.

Projection Info

The Monte Carlo analysis, which simulates many possible future paths using past volatility and return patterns, shows very wide potential outcomes. A 50th percentile ending value of about 2,851% and a 5th percentile near 493% indicate that even conservative scenarios still look attractive in the model. The overall annualized simulated return of 30.13% is extremely high, reflecting historically favorable conditions for several holdings. However, simulations depend on past data and assumptions that may not hold, especially for niche themes. Treat these numbers as a rough map, not a promise, and consider stress-testing expectations by planning for meaningfully lower future returns than the model suggests.

Asset classes Info

  • Stocks
    94%
  • Cash
    3%
  • Bonds
    2%

The asset class breakdown of roughly 94% stock, 2% bonds, and 3% cash shows this is primarily an equity portfolio with only a light stabilizing cushion. For a “balanced” risk profile, this is on the aggressive side, though the income focus can help psychologically during choppy markets. The small bond and cash slice still offers some dry powder and short-term stability, but it won’t fully offset a major equity downturn. If the goal is to smooth the ride further, gradually increasing the fixed income or cash allocation could help, especially in years where equities have had very strong runs and rebalancing can lock in some gains.

Sectors Info

  • Financials
    21%
  • Technology
    17%
  • Basic Materials
    12%
  • Industrials
    10%
  • Energy
    9%
  • Utilities
    6%
  • Consumer Discretionary
    5%
  • Telecommunications
    5%
  • Health Care
    4%
  • Consumer Staples
    3%
  • Real Estate
    1%

Sector exposure is impressively broad: financials, technology, basic materials, industrials, energy, utilities, and more all show up meaningfully. That wide spread is a big positive and matches what’s often seen in well-diversified benchmarks. The notable tilts are toward financials and basic materials, reflecting the dedicated financial ETF plus the copper and uranium themes. These tilts can boost returns when those industries are in favor but will also amplify sector-specific swings. It can help to decide what maximum percentage you’re comfortable having in any single sector and then rebalance if a winner grows beyond that comfort zone over time.

Regions Info

  • North America
    72%
  • Europe Developed
    9%
  • Australasia
    4%
  • Asia Emerging
    3%
  • Japan
    2%
  • Asia Developed
    2%
  • Latin America
    1%
  • Africa/Middle East
    1%

Geographically, about 72% of exposure is in North America, with the rest spread globally across developed Europe, Asia, Japan, Australasia, and smaller allocations to emerging regions. This U.S.-heavy approach is very common and has been rewarded over the last decade, so being close to that pattern is not a weakness. At the same time, the non-U.S. high dividend ETF brings solid international diversification, which is a strong point here. For long-term resilience, keeping at least a meaningful minority of assets abroad can help if the U.S. goes through a weaker period. Periodically checking that non-U.S. exposure hasn’t drifted too low can be useful.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    29%
  • Mid-cap
    19%
  • Small-cap
    10%
  • Micro-cap
    5%

The mix across company sizes is well spread: around 31% mega cap, 29% big, 19% mid, 10% small, and 5% micro. This is a healthy distribution and lines up nicely with diversified global equity strategies, which often lean toward large caps but still include smaller, higher-growth, higher-volatility names. The junior miners and electrification themes add extra exposure to smaller and more specialized companies, which can be powerful return drivers but also more boom-and-bust. A simple check over time is whether smaller caps have grown to a bigger slice than intended; if so, trimming back to a target band can keep risk aligned with your comfort level.

Redundant positions Info

  • Vanguard S&P 500 ETF
    SHP ETF Trust - NEOS S&P 500 High Income ETF
    High correlation

The portfolio includes both broad market funds and more niche thematic ETFs, which should reduce overall correlation somewhat. However, the strong overlap between the S&P 500 ETF and the high-income S&P 500 ETF means those two move very similarly, offering limited diversification between them. Correlation simply means how often things move together; when two holdings track closely, owning both doesn’t reduce risk much. Keeping both can still make sense if their income profiles or tax characteristics serve different purposes. If simplicity or reducing overlap is a goal, consolidating some highly correlated positions into fewer core funds might streamline the structure without sacrificing 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 Efficient Frontier concept looks at combinations of your existing holdings to find the best possible risk-return tradeoff. Here, the analysis suggests a more efficient mix could reach about 5.06% expected return at a similar or even slightly lower risk level than the current setup, purely by adjusting weights. “Efficiency” in this context doesn’t mean the portfolio is perfect overall, just that it squeezes the most return out of each unit of volatility using the same building blocks. Before considering any shift, clarifying which positions are truly essential versus optional tilts can make it easier to move toward that more efficient balance without losing your core strategy.

Dividends Info

  • iShares Ultra Short-Term Bond ETF 4.60%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 11.70%
  • Global X Uranium ETF 1.70%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 3.70%
  • Financial Select Sector SPDR® Fund 1.30%
  • Tema Electrification ETF 0.50%
  • Weighted yield (per year) 4.76%

The portfolio’s overall yield of about 4.76% is a standout feature, well above broad market averages. That’s driven mainly by the high-income S&P 500 ETF, plus solid contributions from international dividends and the ultra-short bond fund. For an investor focusing on cash flow, this is a real strength: it can support withdrawals or reinvestment without relying solely on selling shares. Just keep in mind that very high yields can reflect underlying option strategies or sector tilts that may behave differently in sharp downturns. Periodically reviewing whether the income level remains sustainable and aligned with long-term goals helps avoid chasing yield at the expense of stability.

Ongoing product costs Info

  • Sprott Junior Copper Miners ETF 0.75%
  • iShares Ultra Short-Term Bond ETF 0.08%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 0.68%
  • Global X Uranium ETF 0.69%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Financial Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.40%

The blended total expense ratio (TER) of about 0.40% is quite reasonable, especially given the presence of specialized thematic and commodity-related ETFs, which naturally charge higher fees. The inclusion of ultra-low-cost core funds like the Vanguard S&P 500 ETF and low-fee sector funds helps keep overall costs under control, which is a big positive for long-term compounding. Some of the niche ETFs sit in the higher-fee range, so it’s worth asking whether each is pulling its weight in terms of diversification or conviction. Even small fee reductions can add up significantly over decades, particularly when applied to larger, core portions of the portfolio.

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