This portfolio has only about 1.2 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 and diversified portfolio with a strong focus on growth and dividend income

Report created on May 22, 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 heavily weighted towards funds, particularly the Vanguard Target Retirement 2060 Fund, which alone constitutes over half of the portfolio. This fund, along with a mix of ETFs and individual stocks, creates a broad exposure across various sectors and asset classes. The inclusion of specific stocks and ETFs focused on dividends suggests an emphasis on income generation alongside growth. The overall composition indicates a balanced approach, combining the long-term growth orientation of the retirement fund with the dividend yield and potential capital appreciation of individual stocks and sector-specific ETFs.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 7.34% and a maximum drawdown of -16.52%, the portfolio has demonstrated resilience and satisfactory growth over time. The days contributing to 90% of returns being so few suggests significant returns were concentrated on specific, likely volatile, days. Such performance, when compared to broader market benchmarks, would be considered robust, especially given the balanced risk profile. This historical performance is a solid foundation, but investors should remain aware of the potential for volatility and the impact of market fluctuations.

Projection Info

Monte Carlo simulations, which use historical data to forecast a range of potential future outcomes, suggest a wide dispersion of potential returns for this portfolio. With a median projected increase of 115% and a high percentile showing substantial growth, there's optimism for future performance. However, the presence of simulations with negative returns highlights the inherent uncertainties in investing. These projections are useful for setting expectations but should be interpreted with caution, as they are based on past data and assumptions that may not hold true.

Asset classes Info

  • Stocks
    92%
  • Bonds
    6%
  • Cash
    1%
  • No data
    1%

The portfolio's asset allocation, with a dominant 92% in stocks, aligns with its growth-oriented strategy but carries higher volatility. The bond allocation at 6% offers some cushion against stock market swings, though it's relatively minimal. Cash and equivalents at 1% ensure some liquidity. This heavy tilt towards equities is typical for portfolios with longer time horizons and higher risk tolerance, but it might warrant a review as the target retirement date approaches to ensure it aligns with the investor's changing risk profile.

Sectors Info

  • Technology
    26%
  • Financials
    21%
  • Health Care
    13%
  • Industrials
    9%
  • Consumer Discretionary
    6%
  • Telecommunications
    6%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%
  • Consumer Discretionary
    2%

Sectoral allocation shows a significant emphasis on technology and financial services, which are sectors known for their growth potential but also for their volatility. The presence of healthcare, industrials, and consumer cyclicals provides a good balance, contributing to the portfolio's diversification. However, the heavy weighting in technology and financial services could expose the portfolio to sector-specific risks, suggesting the need for periodic reassessment to ensure alignment with the investor's risk tolerance and market outlook.

Regions Info

  • North America
    77%
  • Europe Developed
    10%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic distribution is heavily skewed towards North America, particularly the United States, which reflects a common home bias in investment portfolios. While this concentration has historically offered strong returns, the underrepresentation of emerging markets and other developed regions may limit exposure to global growth opportunities and diversification benefits. Considering the long-term horizon of this portfolio, gradually increasing exposure to underrepresented regions could enhance diversification and potentially capture higher growth rates abroad.

Market capitalization Info

  • Large-cap
    42%
  • Mega-cap
    28%
  • Mid-cap
    18%
  • Small-cap
    4%
  • Micro-cap
    1%

The market capitalization breakdown reveals a focus on big and mega-cap stocks, which are typically less volatile and offer steady growth and dividends. However, the relatively smaller allocation to medium, small, and micro-cap stocks limits the portfolio's potential to benefit from the higher growth rates these segments can offer. Diversifying further into smaller caps could introduce more volatility but also increase the portfolio's growth potential over the long term.

Redundant positions Info

  • JPMorgan Nasdaq Equity Premium Income ETF
    VANGUARD TARGET RETIREMENT 2060 FUND INVESTOR SHARES
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation among the Vanguard Target Retirement 2060 Fund, Vanguard Total Stock Market Index Fund ETF Shares, and JPMorgan Nasdaq Equity Premium Income ETF indicates overlapping exposures that may not contribute significantly to diversification. This redundancy suggests an opportunity to streamline the portfolio by reducing allocations to highly correlated assets, potentially freeing up capital to invest in areas that offer genuine diversification benefits or higher growth prospects.

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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The analysis suggests that the portfolio could be further optimized for efficiency, aiming for a better risk-return balance. The current asset allocation, while solid, has room for improvement, particularly by reducing overlaps and reallocating towards underrepresented asset classes or sectors. Achieving an optimal balance could potentially increase expected returns for the same level of risk, enhancing the portfolio's long-term growth prospects without necessarily increasing exposure to volatility.

Dividends Info

  • Ares Capital Corporation 8.90%
  • Entegris Inc 0.60%
  • JPMorgan Equity Premium Income ETF 8.00%
  • JPMorgan Nasdaq Equity Premium Income ETF 11.40%
  • Tidal Trust II 130.40%
  • Blue Owl Capital Corporation 11.80%
  • Schwab U.S. Dividend Equity ETF 4.00%
  • Thermo Fisher Scientific Inc 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.30%
  • VANGUARD TARGET RETIREMENT 2060 FUND INVESTOR SHARES 2.00%
  • Weighted yield (per year) 3.31%

The portfolio's dividend yield, averaging 3.31%, contributes to its total return, offering a blend of income and growth. High-yielding assets like Ares Capital Corporation and the JPMorgan ETFs enhance income, which can be particularly appealing for investors seeking regular cash flow. However, the focus on dividends should not overshadow the importance of total return, considering both income and capital appreciation. Balancing high-yield investments with growth-oriented assets is key to achieving long-term financial goals.

Ongoing product costs Info

  • JPMorgan Equity Premium Income ETF 0.35%
  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • Tidal Trust II 0.99%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • VANGUARD TARGET RETIREMENT 2060 FUND INVESTOR SHARES 0.08%
  • Weighted costs total (per year) 0.07%

The portfolio's overall expense ratio is relatively low, which is beneficial for long-term growth as lower costs translate to higher net returns. However, the Tidal Trust II stands out with a notably higher expense ratio, which could drag on performance. Regularly reviewing and possibly reallocating from higher-cost investments to more cost-efficient alternatives without compromising on strategic objectives could enhance net returns over time.

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