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.
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A cautiously positioned portfolio with high yield focus and moderate diversification

Report created on Aug 17, 2025

Risk profile Info

3/7
Cautious
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is structured with an equal weighting across five distinct investments, focusing on common stock, ETFs, and funds. This approach demonstrates a preference for income-generating assets, given the significant allocations to high-dividend ETFs and funds. The portfolio's classification as "moderately diversified" is accurate, given its concentration in specific asset types and sectors, yet it maintains a balanced exposure across various industries and asset classes. This composition suggests a strategy aimed at achieving steady income while attempting to mitigate risk through diversification.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 22.87% and a maximum drawdown of -13.10%, the portfolio has shown robust growth with relatively controlled downside risk. The days contributing to 90% of returns indicate that the portfolio's performance has been significantly influenced by a few strong market days, a common characteristic of high-yield investments. This performance, especially the high CAGR, should be contextualized within the broader market environment and the specific risk profile of the investments, suggesting that past performance may not be a reliable indicator of future returns.

Projection Info

Monte Carlo simulations, which project future performance based on historical data, show a wide range of outcomes with a 50th percentile projection of 2,105.0% growth. While these simulations are valuable for understanding potential volatility and outcomes, they rely on past data and cannot account for unforeseen market changes. Investors should view these projections as one of many tools in evaluating potential risk and return, rather than a guaranteed forecast.

Asset classes Info

  • Stocks
    100%
  • Bonds
    2%
  • No data
    1%

The portfolio's asset allocation leans heavily towards stocks (100%) with a minimal bond presence (2%), which aligns with its goal of income generation through dividends. However, this allocation may expose the portfolio to higher volatility and market risks associated with equity investments. Diversifying into more asset classes, such as bonds or real estate, could offer additional income sources and risk mitigation.

Sectors Info

  • Utilities
    23%
  • Financials
    22%
  • Technology
    13%
  • Energy
    10%
  • Industrials
    8%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Consumer Discretionary
    4%
  • Health Care
    4%
  • Real Estate
    3%
  • Basic Materials
    1%

Sector allocation shows a heavy emphasis on Utilities, Financial Services, and Technology, which are traditionally known for offering dividends. The concentration in these sectors, while beneficial for income generation, may increase sector-specific risk. Diversifying into sectors with lower correlation to the portfolio's primary sectors could provide risk mitigation benefits and potentially smoother returns over time.

Regions Info

  • North America
    92%
  • Europe Developed
    4%
  • Latin America
    1%
  • Asia Emerging
    1%
  • Australasia
    1%
  • Japan
    1%

The geographic allocation is heavily skewed towards North America (92%), with minimal exposure to other regions. This concentration enhances exposure to the economic and political risks specific to North America. Broadening geographic exposure, particularly to developed and emerging markets outside North America, could offer diversification benefits and access to growth opportunities in different economic cycles.

Market capitalization Info

  • Mid-cap
    30%
  • Large-cap
    29%
  • Small-cap
    26%
  • Mega-cap
    15%
  • Micro-cap
    1%

The market capitalization breakdown shows a balanced approach, with allocations across medium, big, small, mega, and micro-cap stocks. This diversification can help mitigate the volatility associated with size-specific market movements. However, the significant positions in small and micro-cap stocks may contribute to higher risk and volatility, given these stocks' sensitivity to market changes.

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 portfolio's risk and return characteristics may benefit from optimization techniques, such as those based on the Efficient Frontier, to achieve a more favorable risk-return balance. While the current allocation provides a solid foundation for income generation, there may be opportunities to enhance returns or reduce risk through strategic adjustments in asset allocation. This optimization should consider the investor's risk tolerance, investment horizon, and income needs.

Dividends Info

  • FS Credit Opportunities Corp. 10.30%
  • NEOS Nasdaq 100 High Income ETF 13.70%
  • Schwab U.S. Dividend Equity ETF 3.70%
  • Cohen and Steers Infrastructure Closed Fund 6.30%
  • Reaves Utility IF 5.40%
  • Weighted yield (per year) 7.88%

Dividend yields across the portfolio average 7.88%, significantly contributing to the portfolio's total return. This focus on high-dividend assets aligns with the portfolio's income-generating objectives. However, investors should be mindful of the sustainability of these dividend yields, as excessively high yields can sometimes signal underlying company or sector stress.

Ongoing product costs Info

  • NEOS Nasdaq 100 High Income ETF 0.68%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Cohen and Steers Infrastructure Closed Fund 2.29%
  • Reaves Utility IF 2.23%
  • Weighted costs total (per year) 1.05%

The Total Expense Ratio (TER) averages 1.05% across the portfolio, with notable variations among the investments. While the costs are relatively moderate, the higher expense ratios for certain funds could impact net returns over time. Investors may benefit from periodically reviewing costs to ensure they align with the value received, especially in terms of performance and services.

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