Balanced portfolio with a strong focus on technology and high dividend yields

Report created on Nov 4, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is well-constructed, boasting a significant allocation to both domestic and international equities through Vanguard's Total Stock Market and Total International Stock Index Funds, making up 55% of the portfolio. The inclusion of specific sector ETFs like the VanEck Semiconductor ETF and the Schwab U.S. Dividend Equity ETF, alongside growth and dividend-focused assets, suggests a strategic approach to capturing market growth while seeking income through dividends. The presence of common stocks like Ares Capital Corporation and FS Credit Opportunities Corp. adds a direct investment element, potentially increasing the portfolio's yield but also its risk profile.

Growth Info

Historically, this portfolio has shown impressive growth with a Compound Annual Growth Rate (CAGR) of 20.34%. The maximum drawdown of -18.63% indicates that while the portfolio has experienced significant volatility, its overall upward trajectory has been strong. The fact that 90% of returns came from just 24 days highlights the importance of staying invested through market ups and downs, as missing these key days could drastically impact long-term performance.

Projection Info

Monte Carlo simulations, which use historical data to forecast a range of potential future outcomes, suggest a wide array of potential growth for this portfolio, from 322.6% to over 2,059.7% across different percentiles. This wide range underscores the inherent uncertainty in market performance but also indicates strong potential upside. It’s crucial to remember, however, that these projections are hypothetical and cannot guarantee future results.

Asset classes Info

  • Stocks
    98%
  • Cash
    1%
  • No data
    1%

The portfolio's asset allocation shows a heavy emphasis on stocks (98%), with a minimal presence of cash and unclassified assets. This allocation is indicative of a growth-oriented strategy but comes with higher volatility. Diversifying further into other asset classes like bonds or real estate could provide better balance and reduce overall portfolio risk, especially in turbulent markets.

Sectors Info

  • Technology
    29%
  • Financials
    21%
  • Industrials
    10%
  • Health Care
    8%
  • Telecommunications
    6%
  • Consumer Staples
    6%
  • Consumer Discretionary
    5%
  • Energy
    4%
  • Consumer Discretionary
    3%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

Sector allocation is concentrated in technology (29%) and financial services (21%), which could lead to higher volatility due to sector-specific risks. However, these sectors often offer growth opportunities. Balancing this with investments in more stable sectors like healthcare and consumer defensive could mitigate risk while still allowing for growth.

Regions Info

  • North America
    75%
  • Europe Developed
    10%
  • Asia Emerging
    4%
  • Asia Developed
    4%
  • Japan
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic distribution is heavily weighted towards North America (75%), with modest exposure to developed and emerging markets abroad. This concentration enhances exposure to the robust U.S. market but may limit global diversification benefits. Increasing allocations to developed Europe or Asia could offer wider exposure to global growth trends.

Market capitalization Info

  • Large-cap
    34%
  • Mega-cap
    30%
  • Mid-cap
    18%
  • Small-cap
    14%
  • Micro-cap
    2%

The market capitalization breakdown shows a balanced mix across big (34%), mega (30%), and medium (18%) cap stocks, with a smaller allocation towards small (14%) and micro (2%) caps. This distribution supports diversification across different company sizes, though there’s room to increase exposure to small and micro-cap stocks for potentially higher growth at increased 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.

Considering the Efficient Frontier, there may be opportunities to optimize the risk-return profile of the portfolio by adjusting asset allocations. While the current setup is strong, slight shifts towards less correlated assets or more diverse geographic exposure could enhance efficiency, meaning achieving a better balance of risk and return.

Dividends Info

  • Ares Capital Corporation 9.40%
  • FS Credit Opportunities Corp. 12.20%
  • JPMorgan Nasdaq Equity Premium Income ETF 9.30%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • VanEck Semiconductor ETF 0.30%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.50%
  • Vanguard Total Stock Market Index Fund Admiral Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 3.02%

The dividend yield of the portfolio stands at 3.02%, bolstered by high-yielding assets like Ares Capital Corporation and FS Credit Opportunities Corp. This focus on dividends is commendable for income-seeking investors, but it’s important to balance yield pursuits with growth potential and risk management.

Ongoing product costs Info

  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.09%

With a total expense ratio (TER) of 0.09%, the portfolio is cost-efficient, which is crucial for enhancing long-term returns. Lower costs mean more of the investment’s return is kept by the investor, a key factor in portfolio performance over time.

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