High growth focused portfolio with bold single stock bets and stabilizing bond ballast
Report created on Jul 17, 2024Risk profile
6/7
Diversification profile
3/5
Positions
-
BN Vanguard Total World Bond ETF
BNDW - US92206C5655 25.00% -
DI Walt Disney Company
DIS - US2546871060 25.00% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 25.00% -
TS Tesla Inc
TSLA - US88160R1014 15.00% -
AF Anfield Universal Fixed Income ETF
AFIF - US90214Q7667 10.00%
The portfolio is built around a barbell structure: about two‑thirds in stocks and one‑third in bonds. Within stocks, there is heavy concentration in two individual companies plus a broad market ETF, while bonds are split between a low‑cost global fund and a higher‑cost active fixed income ETF. This setup mixes targeted conviction bets with broad diversification and income‑oriented holdings. That matters because the concentrated positions will largely drive outcomes, while the diversified funds help smooth the ride. The overall mix suits someone seeking growth but not willing to go all‑in on equities. A key takeaway is that results will be very tied to how the two big stock positions perform relative to the broader market and bond sleeve.
Growth
Historically, the portfolio turned $1,000 into about $3,936, a compound annual growth rate (CAGR) of 20.07%. CAGR is the “average speed” of growth per year, smoothing the ups and downs. This has clearly beaten both the US market and global market, which grew around 10–13% per year over the same period. The trade‑off is a very deep max drawdown of about −60%, meaning the portfolio once fell that far from a peak. Only 22 days generated 90% of returns, showing highly lumpy performance. The main lesson: strong historical growth came with extreme swings, and such past success does not guarantee similar future returns.
Asset classes
- Stocks 65%
- Bonds 33%
- Not classified 2%
Asset‑class wise, about 65% is in stocks, 33% in bonds, with a small slice not classified. That equity tilt lines up with an aggressive growth mindset yet still leaves a meaningful bond ballast. Bonds usually act as a shock absorber during equity sell‑offs, lowering overall volatility and helping with psychological comfort. Compared with an all‑equity approach, this mix is more balanced and closer to what many aggressive investors might hold rather than ultra‑speculative traders. The healthy bond share is a positive alignment with long‑term good practice, especially given the large single‑stock bets. It helps ensure the portfolio’s overall risk level isn’t quite as extreme as the stock selections alone might suggest.
Sectors
- Telecommunications 27%
- Consumer Discretionary 18%
- Technology 8%
- Financials 3%
- Health Care 3%
- Industrials 3%
- Consumer Staples 1%
- Energy 1%
- Real Estate 1%
- Utilities 1%
- Basic Materials 1%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is dominated by telecommunications and consumer discretionary, with smaller slices in technology, financials, health care, and other areas. A tilt toward economically sensitive sectors means the portfolio may do well in strong growth environments but could be more vulnerable during recessions or when consumer spending slows. Tech exposure is meaningful but not overwhelming, which is helpful because technology can be hit hard when interest rates rise. Sector balance is not wildly off from broad market patterns, but the big single‑stock positions introduce extra sector‑specific risk on top. The practical takeaway: results will be quite dependent on how consumer‑facing and communication‑related businesses perform in the next cycle.
Regions
- North America 65%
This breakdown covers the equity portion of your portfolio only.
Geographically, exposure is heavily centered on North America at about 65%, with the rest spread more thinly elsewhere via global funds. This aligns pretty closely with many global benchmarks, where North America often makes up a majority of equity and bond market value. That alignment is beneficial because it keeps the portfolio anchored to the largest, most liquid markets, which often provide strong transparency and stability. On the other hand, it means less direct participation in potential growth from other regions. The geographic stance is neither overly home‑biased nor extremely global; it’s solidly conventional, which supports diversification without straying far from widely used global allocations.
Market capitalization
- Large-cap 33%
- Mega-cap 25%
- Mid-cap 5%
- Small-cap 2%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, the portfolio leans toward large‑cap and mega‑cap companies, with modest exposure to mid, small, and micro caps. Larger companies tend to be more stable, with established businesses and deeper trading liquidity, so they usually move less dramatically than tiny, speculative names. The presence of some smaller companies adds a bit of extra growth and volatility potential without dominating the risk profile. This market‑cap mix is close to typical global index weights, which is a positive sign of diversification through the ETF core. The concentrated individual holdings introduce more idiosyncratic risk, but the broader market ETF keeps the underlying size exposure pretty mainstream, not overly skewed to small caps.
True holdings
-
-
Part of fund(s):
- Vanguard Total Stock Market Index Fund ETF Shares
-
BN Vanguard Bond Index Funds - Vanguard Total Bond Market ETF 12.71%
Part of fund(s):- Vanguard Total World Bond ETF
-
BN Vanguard Charlotte Funds - Vanguard Total International Bond ETF 12.29%
Part of fund(s):- Vanguard Total World Bond ETF
-
NV NVIDIA Corporation 1.55%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 1.47%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 1.10%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 0.76%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 0.69%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 0.57%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 71.57%
This breakdown covers the equity portion of your portfolio only.
Looking through the ETFs, the largest underlying exposures are the two direct stocks plus broad bond index components and a handful of mega‑cap names. One notable point is Tesla shows up both directly and via the stock market ETF, slightly increasing its real footprint. Overlap is otherwise modest, but remember coverage is limited to ETF top‑10 holdings, so some duplication may be hidden. Hidden overlap matters because it can trick investors into thinking they’re diversified when they’re really doubling up on similar exposures. In this case, the main concentration risk is deliberate: large single‑stock stakes that sit on top of diversified stock and bond baskets rather than being fully offset by them.
Factors
Factor exposure shows neutral tilts to value, size, and momentum, meaning the portfolio roughly matches the market on those characteristics. There is a mild tilt away from quality and moderate tilts toward yield and low volatility. Factors are like the underlying “personality traits” of investments that help explain returns. Higher yield and low‑volatility exposure, largely from the bond sleeve and some dividend payers, can help cushion drawdowns and support income. The lower quality tilt suggests more sensitivity to economic conditions or company‑specific issues. Overall, factor balance is fairly even, with the standouts providing a nice defensive counterweight to the aggressive single‑stock positions, especially during choppy or sideways markets.
Risk contribution
-
Tesla Inc
Weight: 15.00% 41.7% -
Walt Disney Company
Weight: 25.00% 33.3% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 25.00% 22.8% -
Vanguard Total World Bond ETF
Weight: 25.00% 1.4% -
Anfield Universal Fixed Income ETF
Weight: 10.00% 0.8%
Risk contribution reveals how much each holding actually drives the portfolio’s ups and downs. Tesla, at 15% weight, contributes over 41% of total risk, while Disney at 25% contributes about a third. In contrast, the entire bond allocation, despite being 35% of the portfolio, adds less than 3% of the risk. This mismatch shows that the portfolio’s behavior is dominated by a couple of volatile stocks, even though they’re not the majority of the dollar value. When a position’s risk contribution far exceeds its weight, it signals concentrated risk. Adjusting position sizes or trimming the most volatile holdings is one way investors can better align actual risk with intended risk levels.
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.
On the risk‑return chart, the current portfolio has a Sharpe ratio of 0.64, below the optimal 0.92 and somewhat above the minimum‑risk option. The Sharpe ratio measures how much return you’re getting per unit of volatility, like miles per gallon for investing. Being about 4.5 percentage points below the efficient frontier at the current risk level means the same holdings could be arranged more effectively. In other words, a different combination of these existing positions could either boost expected return for the same risk or reduce risk for a similar return. This is encouraging: no new products are needed, just potential reweighting toward a more balanced mix along the efficient frontier.
Dividends
- Anfield Universal Fixed Income ETF 3.70%
- Vanguard Total World Bond ETF 4.20%
- Walt Disney Company 1.40%
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Weighted yield (per year) 2.07%
The overall dividend yield is about 2.07%, with bonds yielding around 3.7–4.2% and the equity components yielding closer to 1–1.4%. Yield represents the annual cash income relative to the portfolio’s value, which matters for investors who care about regular payouts rather than just price gains. This yield level is modest but meaningful, especially considering the aggressive growth tilt. It provides some return even in flat markets and can help offset volatility psychologically, as investors still see income coming in. The bond funds are carrying most of the yield load, while the individual growth‑oriented stocks lean more on capital appreciation than income, which is typical for this kind of blend.
Ongoing product costs
- Anfield Universal Fixed Income ETF 1.09%
- Vanguard Total World Bond ETF 0.05%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.13%
Costs are impressively low overall, with a blended expense ratio near 0.13%. That’s driven by very cheap Vanguard index ETFs at 0.03–0.05% and only one higher‑cost bond fund at 1.09%. Expense ratios are like a small annual “toll” on your investments; keeping them low leaves more of the return in your pocket, especially over decades. This cost structure aligns very well with best practices and is a real strength of the portfolio. The active bond fund is the only noticeably expensive piece, but it’s a small slice of the whole. Long term, this low‑fee setup supports better compounding and reduces the risk that costs quietly erode performance.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey