This portfolio has only about 1.7 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 global portfolio with a focus on value and small-cap ETFs showcasing strong historical returns

Report created on Aug 7, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification
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Positions

The portfolio is well-structured, emphasizing a blend of global stocks and bonds through ETFs, with a significant allocation towards value and small-cap equities. This diversified approach, comprising 25% in a global stocks and bonds ETF, 25% in a total world stock index, and smaller, targeted allocations in international, emerging market, and U.S. small-cap value ETFs, aligns with a balanced risk profile. The inclusion of quality and factor-based ETFs further enhances its diversification. Comparatively, this mix provides a broader exposure across asset classes and geographies than typical balanced portfolios, which often lean more heavily on larger-cap or domestic assets.

Growth Info

Historically, this portfolio has exhibited a compelling Compound Annual Growth Rate (CAGR) of 19.10%, with a maximum drawdown of -16.35%. These figures suggest a strong performance relative to its balanced risk classification, especially considering the drawdown is within a tolerable range for many investors seeking growth with moderate risk. The performance is particularly noteworthy given that it was achieved with a diversified approach, rather than concentration in high-risk areas. This historical performance, while impressive, should be viewed with the understanding that past results do not guarantee future outcomes.

Projection Info

Using a Monte Carlo simulation, which projects future performance based on historical data, the portfolio shows a wide range of potential outcomes. The median projection suggests a 1,077.4% return, indicating robust growth potential. However, it's crucial to remember that such simulations are hypothetical and subject to limitations, including the assumption that past market behavior will predict future performance. This tool is valuable for risk assessment and planning but should be one of many considerations in decision-making.

Asset classes Info

  • Stocks
    99%
  • Bonds
    25%

The portfolio's asset allocation leans heavily towards stocks (99%), with a smaller bond component (25%), indicating a typo as the combined allocation exceeds 100%. Assuming the intent was a significant stock focus, this aligns with the portfolio's growth orientation but carries higher volatility. The minimal bond exposure suggests a strategy focused more on capital appreciation than income or volatility dampening. For a balanced portfolio, considering a slight increase in bond allocation could provide better risk-adjusted returns, especially in volatile markets.

Sectors Info

  • Technology
    19%
  • Financials
    18%
  • Industrials
    14%
  • Consumer Discretionary
    13%
  • Health Care
    7%
  • Telecommunications
    7%
  • Basic Materials
    6%
  • Energy
    6%
  • Consumer Staples
    5%
  • Utilities
    2%
  • Real Estate
    2%

Sector allocations within this portfolio show a strong tilt towards technology and financial services, which are sectors known for their growth potential but also for their volatility. The presence of industrials, consumer cyclicals, and healthcare adds a level of diversification, mitigating sector-specific risks. However, the relatively high concentration in technology and financial services could expose the portfolio to sector-specific downturns. Balancing this with increased allocations to defensive sectors like utilities or consumer defensive might provide a more stable performance across market cycles.

Regions Info

  • North America
    58%
  • Europe Developed
    13%
  • Japan
    9%
  • Asia Emerging
    8%
  • Asia Developed
    6%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, the portfolio is heavily weighted towards North America (58%), with diversified exposure across Europe, Asia, and emerging markets. This distribution supports global diversification, reducing the impact of regional downturns. However, the limited exposure to Latin America and Europe Emerging markets suggests potential areas for expansion to capture growth in these regions and further diversify geographical risks.

Market capitalization Info

  • Mega-cap
    29%
  • Large-cap
    27%
  • Mid-cap
    23%
  • Small-cap
    13%
  • Micro-cap
    6%

The market capitalization breakdown reveals a balanced exposure across mega, big, and medium-cap stocks, with a strategic allocation towards small and micro-caps (19% combined). This mix supports the portfolio's growth objectives by including small-cap value stocks known for their higher return potential. However, small and micro-caps carry higher volatility and risk, necessitating careful monitoring to ensure alignment with the investor's risk tolerance and investment horizon.

Redundant positions Info

  • Vanguard Total World Stock Index Fund ETF Shares
    iShares MSCI USA Quality Factor ETF
    High correlation

The analysis identifies high correlation between the Vanguard Total World Stock Index Fund ETF Shares and the iShares MSCI USA Quality Factor ETF, indicating overlapping exposures that might not contribute to diversification. Reducing investment in highly correlated assets can enhance the portfolio's efficiency by lowering redundancy, thereby potentially improving the risk-return profile without increasing exposure to unwanted risk.

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.

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The portfolio's current expected return could be improved from its current level to 25.11% with the same risk level by optimizing asset allocation, particularly by addressing the overlap in highly correlated assets. This optimization suggests an opportunity to refine the portfolio composition to achieve a more efficient risk-return ratio. However, it's essential to consider the investor's individual risk tolerance, investment horizon, and financial goals before making adjustments.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.70%
  • Avantis® Emerging Markets Value ETF 3.90%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • iShares MSCI USA Quality Factor ETF 1.00%
  • Return Stacked Global Stocks & Bonds ETF 1.10%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Alpha Architect Global Factor Equity ETF 2.40%
  • Weighted yield (per year) 1.97%

The portfolio's average dividend yield stands at 1.97%, reflecting a focus on growth over income generation. While this yield contributes to the overall returns, investors seeking higher income might consider reallocating towards assets with higher dividend yields. However, for a balanced growth-oriented portfolio, this yield level supports reinvestment and compounding growth strategies.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® Emerging Markets Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares MSCI USA Quality Factor ETF 0.15%
  • Return Stacked Global Stocks & Bonds ETF 0.41%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.23%

With a Total Expense Ratio (TER) averaging 0.23%, the portfolio is efficiently managed cost-wise, which is crucial for enhancing long-term returns. The range of individual ETF costs from 0.07% to 0.41% indicates a thoughtful selection of funds balancing cost and potential value. Investors should continue to monitor fees as part of their ongoing portfolio management to ensure they remain aligned with investment goals and market opportunities.

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