This portfolio has only about 1.5 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.

Balanced and highly diversified portfolio with a strong focus on technology and gold investments

Report created on Aug 12, 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 ETFs, emphasizing technology and gold, alongside broad market exposure. The Vanguard Total Stock Market Index Fund ETF, with a 37% allocation, provides a solid foundation by covering the entire U.S. stock market. The inclusion of specialized ETFs like the Global X Artificial Intelligence & Technology ETF and the VanEck Gold Miners ETF, each constituting 10% of the portfolio, highlights a targeted approach towards sectors expected to outperform or provide a hedge against market volatility. The diversification across developed and emerging markets, as well as a mix of asset classes, underlines a well-considered strategy to balance growth potential with risk mitigation.

Growth Info

The portfolio's historical performance, with a Compound Annual Growth Rate (CAGR) of 23.90%, significantly outpaces typical market returns, indicating an aggressive growth strategy that has paid off in the past. The maximum drawdown of -14.19% suggests that while the portfolio is designed for growth, it has also been resilient during market downturns. However, it's crucial to remember that past performance is not indicative of future results, and such high returns often come with increased risk levels.

Projection Info

Monte Carlo simulations, a method used to predict future performance by running a range of possible outcomes, show a median increase of 2,436.7%, which is optimistic but should be viewed with caution. These projections are based on historical data and cannot account for unforeseen market changes. Therefore, while the simulations provide a positive outlook, investors should remain aware of the inherent uncertainties in predicting market movements.

Asset classes Info

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

The portfolio's asset allocation leans heavily towards stocks (89%), with a minor allocation in 'Other' (10%) and a nominal amount in cash (1%). This allocation underscores a growth-oriented strategy but also highlights a higher risk profile given the volatility associated with stock investments. Diversifying across different asset classes, including bonds or real estate, could provide additional stability during market fluctuations.

Sectors Info

  • Technology
    28%
  • Basic Materials
    12%
  • Financials
    9%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Industrials
    7%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    1%

A 28% allocation in technology underscores the portfolio's growth focus, given the sector's potential for high returns. However, it also introduces sector-specific risks, notably from market adjustments or regulatory changes. The balanced exposure to other sectors like basic materials and financial services suggests an attempt to mitigate these risks. Still, the heavy leaning towards technology warrants a periodic review to ensure alignment with the investor's risk tolerance and market trends.

Regions Info

  • North America
    70%
  • Europe Developed
    6%
  • Asia Emerging
    4%
  • Asia Developed
    3%
  • Japan
    2%
  • Africa/Middle East
    2%
  • Australasia
    2%
  • Latin America
    1%

The geographic distribution shows a strong bias towards North America (70%), which may reflect a home country bias or a belief in the region's superior growth prospects. While this has historically been a successful strategy, the modest exposure to emerging markets (4%) and other developed regions might limit the portfolio's growth potential and resilience against regional downturns. Increasing diversification across geographies could enhance long-term stability and access to global growth opportunities.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    31%
  • Mid-cap
    17%
  • No data
    10%
  • Small-cap
    5%
  • Micro-cap
    1%

The portfolio's composition by market capitalization, with a significant emphasis on mega (35%) and big (31%) cap stocks, suggests a preference for established, less volatile companies. This is a prudent approach for maintaining stability, though the inclusion of medium, small, and micro caps, albeit in smaller proportions, indicates a balanced strategy aiming to capture growth from various market segments.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    NEOS Nasdaq 100 High Income ETF
    High correlation

The high correlation between the Vanguard Total Stock Market Index Fund ETF Shares and the NEOS Nasdaq 100 High Income ETF highlights a redundancy that may not contribute significantly to diversification. This overlap suggests both assets move in tandem during market shifts, potentially amplifying risks instead of mitigating them. Reevaluating the necessity of both positions could lead to a more efficiently diversified portfolio.

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 current portfolio's expected return could be improved from 23.90% to 29.86% with the same level of risk by optimizing asset allocation, particularly by addressing the overlap in highly correlated assets. This optimization suggests that there's room to enhance returns without increasing exposure to risk, primarily by refining the portfolio to eliminate redundancies and better balance asset classes and sectors.

Dividends Info

  • Global X Artificial Intelligence & Technology ETF 0.10%
  • VanEck Gold Miners ETF 0.70%
  • NEOS Nasdaq 100 High Income ETF 13.80%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 2.81%

With a total dividend yield of 2.81%, the portfolio offers a modest income component, which can contribute to overall returns, especially in volatile or bear markets. The NEOS Nasdaq 100 High Income ETF stands out with a 13.80% yield, providing a significant income stream. However, the sustainability of such high yields should be monitored, as they can sometimes indicate underlying risks.

Ongoing product costs Info

  • Global X Artificial Intelligence & Technology ETF 0.68%
  • VanEck Gold Miners ETF 0.51%
  • SPDR® Gold Shares 0.40%
  • NEOS Nasdaq 100 High Income ETF 0.68%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.26%

The portfolio's total expense ratio (TER) of 0.26% is relatively low, enhancing its attractiveness by minimizing the drag on returns due to costs. The variance in individual ETF costs, from as low as 0.03% to as high as 0.68%, underscores the importance of cost awareness in portfolio construction. Lowering costs where possible without compromising on strategic goals can significantly impact long-term growth.

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