This portfolio has only about 1.3 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 a diverse mix of ETFs stocks and bonds with moderate risk

Report created on May 8, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

The portfolio exhibits a structured composition with a predominant focus on ETFs and a notable allocation towards common stocks and bonds, reflecting a balanced approach to risk management. The weightings across various ETFs, including broad market, dividend equity, and large-cap growth, alongside direct stock holdings in companies like BlackRock and Berkshire Hathaway, suggest a strategy aimed at capturing market growth while seeking income through dividends. The inclusion of bonds and alternative investments like cryptocurrency trusts introduces a conservative element, potentially mitigating volatility.

Growth Info

Historically, this portfolio has demonstrated robust growth, with a Compound Annual Growth Rate (CAGR) of 15.00%. The maximum drawdown of -15.46% indicates resilience during market downturns, a crucial factor for balanced profiles. The performance peaks within a few days highlight the impact of short-term market movements on returns. Comparing these metrics to benchmark indices can provide further insight into the portfolio's risk-adjusted performance, emphasizing the importance of understanding market dynamics and the portfolio's behavior under various conditions.

Projection Info

Using Monte Carlo simulation, a method that projects future performance by analyzing historical data, the portfolio shows a wide range of potential outcomes. With a median projected growth of 447.8% and 965 out of 1,000 simulations forecasting positive returns, the future appears promising. However, it's critical to note that these projections are based on past market behavior, which doesn't guarantee future results. This underscores the need for regular portfolio reviews and adjustments in response to changing market conditions.

Asset classes Info

  • Stocks
    80%
  • Bonds
    17%
  • Other
    3%
  • Cash
    1%

The asset allocation—80% in stocks, 17% in bonds, and a small percentage in alternatives and cash—aligns with a balanced investment strategy that seeks growth while mitigating risk through diversification. This mix caters to investors looking for a moderate risk profile, balancing the potential for higher returns from equities with the stability offered by bonds. Comparing this allocation to standard benchmarks for balanced portfolios could provide insights into potential adjustments for optimizing risk and return.

Sectors Info

  • Financials
    20%
  • Technology
    19%
  • Health Care
    8%
  • Consumer Discretionary
    7%
  • Telecommunications
    6%
  • Industrials
    6%
  • Consumer Staples
    5%
  • Energy
    4%
  • No data
    3%
  • Real Estate
    1%
  • Utilities
    1%
  • Basic Materials
    1%

The portfolio's sectoral spread, with significant investments in financial services and technology, positions it for potential growth given these sectors' historical performance. However, the heavy concentration in these areas might expose the portfolio to sector-specific risks. Diversifying across more sectors, such as healthcare and consumer cyclicals, which are also represented but to a lesser extent, could help mitigate this risk. It's important to periodically review sector allocations in light of evolving market trends.

Regions Info

  • North America
    74%
  • No data
    3%
  • Europe Developed
    2%
  • Asia Emerging
    1%
  • Japan
    1%

With 74% of assets allocated in North America, the portfolio has a strong domestic focus, which may limit exposure to international growth opportunities and diversification benefits. While this concentration aligns with the client's region (USA), considering an increased allocation to developed and emerging markets outside North America could enhance global diversification and potentially improve risk-adjusted returns.

Market capitalization Info

  • Mega-cap
    27%
  • Large-cap
    26%
  • Mid-cap
    17%
  • Small-cap
    6%
  • No data
    3%

The exposure across market capitalizations—27% mega, 26% big, and 17% medium—indicates a preference for large and established companies, which typically offer stability and lower volatility. However, the relatively small allocation to small-cap stocks, known for their growth potential, suggests an opportunity to enhance returns by increasing exposure to this segment, albeit with higher risk.

Redundant positions Info

  • Vanguard Total Bond Market Index Fund ETF Shares
    iShares Core U.S. Aggregate Bond ETF
    High correlation
  • Schwab U.S. Large-Cap Growth ETF
    iShares Russell 1000 Growth ETF
    Schwab U.S. Broad Market ETF
    Vanguard Total World Stock Index Fund ETF Shares
    High correlation

The portfolio contains highly correlated assets, particularly among certain ETFs and bonds, which may limit diversification benefits. For instance, the overlap between broad market ETFs and specific sector or large-cap growth ETFs can lead to concentrated exposures. Identifying and reducing these overlaps can enhance the portfolio's diversification, potentially leading to improved risk-adjusted returns.

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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Optimizing the portfolio using the Efficient Frontier suggests that a more efficient allocation could achieve an expected return of 9.05% with a risk level of 1.94%. This implies potential for improvement by adjusting the current asset mix to reduce overlap and enhance diversification. Focusing on removing highly correlated assets could be a starting point for optimization, aiming for a portfolio composition that offers the best possible risk-return trade-off.

Dividends Info

  • iShares Core U.S. Aggregate Bond ETF 3.80%
  • BlackRock Inc 2.20%
  • Vanguard Total Bond Market Index Fund ETF Shares 3.70%
  • FT Cboe Vest Gold Target Income ETF 17.50%
  • iShares Russell 1000 Growth ETF 0.50%
  • iShares Russell Mid-Cap Growth ETF 0.40%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 6.10%
  • Janus Detroit Street Trust - Janus Henderson B-BBB CLO ETF 8.10%
  • SPDR® SSGA US Large Cap Low Volatility Index ETF 1.90%
  • iShares iBoxx $ Investment Grade Corporate Bond ETF 4.50%
  • Schwab U.S. Broad Market ETF 1.30%
  • Schwab U.S. Dividend Equity ETF 4.10%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • ETC 6 Meridian Hedged Equity-Index Option Strategy ETF 1.80%
  • SPDR® DoubleLine Total Return Tactical ETF 5.30%
  • Invesco Municipal Opportunity Trust 7.80%
  • Vanguard Total World Stock Index Fund ETF Shares 1.90%
  • Weighted yield (per year) 2.55%

Dividend yields across various holdings contribute to the portfolio's income, with certain assets offering high yields, such as the FT Cboe Vest Gold Target Income ETF at 17.50%. While dividends can provide a steady income stream, it's essential to balance yield-seeking with growth prospects and risk management, ensuring that high-yielding investments align with the overall investment strategy and risk tolerance.

Ongoing product costs Info

  • iShares Core U.S. Aggregate Bond ETF 0.03%
  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • FT Cboe Vest Gold Target Income ETF 0.85%
  • iShares Russell 1000 Growth ETF 0.19%
  • iShares Russell Mid-Cap Growth ETF 0.23%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 0.21%
  • Janus Detroit Street Trust - Janus Henderson B-BBB CLO ETF 0.49%
  • SPDR® SSGA US Large Cap Low Volatility Index ETF 0.12%
  • iShares iBoxx $ Investment Grade Corporate Bond ETF 0.14%
  • Schwab U.S. Broad Market ETF 0.03%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • ETC 6 Meridian Hedged Equity-Index Option Strategy ETF 1.01%
  • SPDR® DoubleLine Total Return Tactical ETF 0.55%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.17%

The portfolio's average Total Expense Ratio (TER) of 0.17% is relatively low, which is beneficial for long-term growth as costs can significantly erode returns over time. However, some holdings, like the ETC 6 Meridian Hedged Equity-Index Option Strategy ETF, have higher fees. Regularly reviewing and potentially reallocating from higher-cost investments to similar, lower-cost options can further optimize returns.

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