This portfolio has only about 1.4 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.

A balanced and highly diversified portfolio with a unique blend of global equities and innovative assets

Report created on May 28, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio presents a balanced mix of global equities, bonds, and a notable allocation to cryptocurrency, specifically through the iShares Bitcoin Trust. The largest allocations are in broad market ETFs, with 38% in the Vanguard Total Stock Market Index Fund ETF Shares and 34% in the SPDR S&P World ex US ETF, providing comprehensive exposure to both U.S. and international stocks. The inclusion of bond ETFs and the iShares Bitcoin Trust adds a layer of diversification, aiming to mitigate volatility while capturing growth from various asset classes.

Growth Info

Historically, this portfolio has shown a compelling Compound Annual Growth Rate (CAGR) of 19.63%, with a maximum drawdown of -13.94%. This performance indicates a well-managed risk-return balance, with the days contributing most to returns being quite focused. Such historical data, while promising, should be approached with caution as past performance is not a reliable indicator of future results.

Projection Info

Monte Carlo simulations, which project potential future outcomes based on historical data, suggest a wide range of potential returns for this portfolio. With a median projected increase of 993.5% and 998 out of 1,000 simulations showing positive returns, the forward-looking scenario appears optimistic. However, it's important to remember that these projections are hypothetical and subject to the limitations of past data and assumptions used in the simulation.

Asset classes Info

  • Stocks
    72%
  • Bonds
    14%
  • Other
    8%
  • Cash
    6%

The asset class distribution—72% stocks, 14% bonds, 8% other (including cryptocurrency), and 6% cash—reflects a balanced approach, leaning towards growth while maintaining a cushion against market volatility through bonds and cash holdings. This allocation aligns with the portfolio's balanced risk profile, aiming to capture market upswings through equities and provide stability with bonds and cash.

Sectors Info

  • Technology
    15%
  • Financials
    13%
  • Industrials
    10%
  • Health Care
    8%
  • Consumer Discretionary
    7%
  • Telecommunications
    5%
  • Consumer Staples
    5%
  • Basic Materials
    3%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, the portfolio is diversified across technology, financial services, industrials, healthcare, and consumer cyclicals, among others. This sectoral spread is conducive to capturing growth across different economic cycles, although the technology and financial services sectors' prominence suggests a tilt towards areas with higher volatility but potentially higher returns.

Regions Info

  • North America
    42%
  • Europe Developed
    18%
  • Japan
    8%
  • Asia Developed
    2%
  • Australasia
    2%

Geographically, the portfolio is heavily weighted towards North America (42%) and Europe (18%), with smaller exposures to Japan and other developed regions. The absence of significant investments in emerging markets may limit exposure to high-growth regions, potentially affecting the portfolio's overall growth prospects in a globally expanding economy.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    22%
  • Mid-cap
    13%
  • Small-cap
    3%
  • Micro-cap
    1%

The market capitalization breakdown—mega (31%), big (22%), medium (13%), small (3%), and micro (1%)—indicates a focus on larger, more established companies, which typically offer stability and consistent returns. However, the relatively lower allocation to small and micro-cap stocks may mean missing out on the high growth potential of smaller companies.

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 current portfolio's expected return, based on the Efficient Frontier analysis, suggests there is room for optimization. Adjusting the allocation could potentially increase the expected return to 4.91% without assuming additional risk. This optimization underscores the importance of regular portfolio reviews to ensure alignment with financial goals and market conditions.

Dividends Info

  • iShares J.P. Morgan USD Emerging Markets Bond ETF 5.50%
  • iShares® 0-3 Month Treasury Bond ETF 4.70%
  • SPDR S&P World ex US 2.70%
  • iShares Treasury Floating Rate Bond ETF 4.70%
  • Vanguard Short-Term Corporate Bond Index Fund ETF Shares 4.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.30%
  • Weighted yield (per year) 2.36%

Dividend yields across the ETFs contribute to the portfolio's income, with the total yield standing at 2.36%. This income stream, combined with capital appreciation, forms a dual approach to generating returns. However, the focus on growth over yield is evident in the relatively lower overall dividend yield.

Ongoing product costs Info

  • iShares J.P. Morgan USD Emerging Markets Bond ETF 0.39%
  • iShares Bitcoin Trust 0.12%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • SPDR S&P World ex US 0.03%
  • iShares Treasury Floating Rate Bond ETF 0.15%
  • Vanguard Short-Term Corporate Bond Index Fund ETF Shares 0.04%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.06%

The portfolio's total expense ratio (TER) of 0.06% is impressively low, enhancing net returns for investors. Keeping costs minimal is crucial for long-term investment success, as even small differences in fees can significantly impact returns over time.

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