This portfolio has only about 1.1 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 moderately diversified portfolio with a focus on ETFs and future growth

Report created on Aug 14, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Your portfolio showcases a strategic blend of asset classes, with a significant emphasis on stocks (63%) and cash equivalents (24%), supplemented by a modest allocation to alternative investments (3%). This composition aligns with a balanced risk profile, aiming to mitigate volatility through diversification. However, the absence of direct bond investments, aside from cash equivalents, suggests a potential area for enhancing income stability and reducing overall risk, especially in fluctuating markets.

Growth Info

Historically, your portfolio has demonstrated robust growth, boasting a Compound Annual Growth Rate (CAGR) of 16.08%. This performance, coupled with a maximum drawdown of -12.62%, suggests resilience during market downturns. It's important to remember, though, that past performance is not a reliable indicator of future results. The days contributing to 90% of returns highlight the impact of significant market movements on portfolio performance, underscoring the importance of long-term investment strategies over short-term market timing.

Projection Info

Monte Carlo simulations, which forecast potential future outcomes based on historical data, project a wide range of performance scenarios for your portfolio. With 995 out of 1,000 simulations predicting positive returns, there's a strong indication of potential future growth. However, the reliance on historical data means these projections cannot account for unforeseen market shifts or global economic changes, making it crucial to review and adjust your portfolio regularly.

Asset classes Info

  • Stocks
    63%
  • Cash
    24%
  • Other
    3%

Your portfolio's asset allocation leans heavily towards stocks and cash, with a minimal presence in alternative investments. This distribution supports a balanced approach, aiming for growth through equities while seeking stability in cash holdings. Diversifying further into bonds or real estate could provide additional income streams and reduce volatility, complementing your current strategy without significantly altering the risk profile.

Sectors Info

  • Financials
    13%
  • Technology
    13%
  • Industrials
    9%
  • Consumer Discretionary
    7%
  • Consumer Staples
    5%
  • Telecommunications
    4%
  • Health Care
    4%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

Sectoral distribution within your portfolio is diversified across financial services, technology, and industrials, among others. This wide-ranging exposure helps mitigate sector-specific risks. However, the technology and financial services sectors, both constituting 13% of your portfolio, may expose you to higher volatility. Considering a rebalance towards sectors with stable demand, like consumer staples or healthcare, could enhance resilience against market swings.

Regions Info

  • North America
    50%
  • Europe Developed
    5%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Japan
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Your geographic allocation is heavily weighted towards North America (50%), with limited exposure to international markets. This concentration may limit potential gains from global economic growth and diversification benefits. Increasing allocations to developed European and emerging Asian markets could offer broader exposure to global economic trends and reduce geographic risk.

Market capitalization Info

  • Mega-cap
    22%
  • Large-cap
    21%
  • Mid-cap
    14%
  • Small-cap
    5%
  • Micro-cap
    1%

The portfolio's market capitalization exposure, favoring mega and big-cap stocks, aligns with a balanced risk approach, offering stability and potential for growth. However, the underrepresentation of small and micro-cap stocks could mean missing out on higher growth potential these segments offer. Introducing a modest allocation to smaller caps could enhance returns while keeping within your risk tolerance.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    American Century ETF Trust
    Invesco S&P 500® Quality ETF
    American Century ETF Trust - Avantis U.S. Large Cap Value ETF
    T. ROWE PRICE RETIREMENT 2035 FUND T. ROWE PRICE RETIREMENT 2035 FUND
    Invesco S&P 500® Momentum ETF
    High correlation

The high correlation among several assets, particularly within the ETFs tracking the S&P 500 and related sectors, suggests redundancy that may not significantly contribute to diversification. Reducing overlap by consolidating similar investments could streamline your portfolio, potentially enhancing returns without increasing risk.

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.

Optimizing your portfolio using the Efficient Frontier suggests a potential increase in expected returns to 4.63% without raising the risk level. This optimization indicates room for improvement in asset allocation. Focusing on diversifying across uncorrelated assets and sectors can enhance your portfolio's efficiency, balancing risk and return more effectively.

Dividends Info

  • American Century ETF Trust 2.10%
  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF 1.60%
  • Dimensional ETF Trust - Dimensional Emerging Markets Value ETF 3.00%
  • Dimensional International Value ETF 3.20%
  • Invesco S&P International Developed Momentum ETF 1.90%
  • iShares® 0-3 Month Treasury Bond ETF 4.40%
  • Invesco S&P 500® Quality ETF 1.00%
  • Invesco S&P 500® Momentum ETF 0.60%
  • T. ROWE PRICE RETIREMENT 2035 FUND T. ROWE PRICE RETIREMENT 2035 FUND 1.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 2.12%

Your portfolio's average dividend yield of 2.12% contributes to its total return, offering a steady income stream in addition to capital appreciation. While the focus on growth is evident, optimizing for higher-yielding investments, especially in sectors known for dividend stability, could provide a more balanced income-growth strategy.

Ongoing product costs Info

  • American Century ETF Trust 0.26%
  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF 0.15%
  • Dimensional ETF Trust - Dimensional Emerging Markets Value ETF 0.43%
  • Dimensional International Value ETF 0.27%
  • SPDR Gold Mini Shares 0.10%
  • iShares Bitcoin Trust 0.12%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • Invesco S&P 500® Quality ETF 0.15%
  • Invesco S&P 500® Momentum ETF 0.13%
  • T. ROWE PRICE RETIREMENT 2035 FUND T. ROWE PRICE RETIREMENT 2035 FUND 0.59%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • iShares Ethereum Trust ETF 0.25%
  • Weighted costs total (per year) 0.19%

The portfolio's overall expense ratio (Total TER) of 0.19% is impressively low, maximizing the potential for net returns. This cost efficiency is crucial for long-term growth, as lower costs compound positively over time. Continual monitoring and preference for low-cost options will keep your investment's growth trajectory on a favorable path.

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