This portfolio has only about 1.6 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 strong focus on growth and innovation

Report created on Aug 26, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is characterized by a significant 60% allocation to a Vanguard S&P 500 ETF, underscoring a strong foundation in large-cap U.S. equities. The inclusion of specialized ETFs such as the Fidelity Wise Origin Bitcoin Trust and various Invesco and Avantis ETFs targeting momentum and value across different market caps and geographies indicates a strategy aimed at capturing growth while attempting to diversify. However, the concentration in stocks (90%) and a notable 10% in a cryptocurrency-related asset suggests a higher risk tolerance, despite the portfolio's balanced risk classification.

Growth Info

With a historical Compound Annual Growth Rate (CAGR) of 26.27% and a maximum drawdown of -19.41%, the portfolio has demonstrated strong performance, albeit with significant volatility. The days contributing to 90% of the returns being limited to 13 suggests that the portfolio's performance is heavily reliant on short periods of significant gains, a characteristic common in growth-focused investments. This performance, while impressive, should be evaluated carefully as past success does not guarantee future results, especially in volatile sectors.

Projection Info

Monte Carlo simulations, which project potential future outcomes using historical data, indicate a wide range of possible performances for this portfolio, with a median annualized return of 32.01%. While these projections can offer insights, they inherently carry limitations due to their reliance on past data, which may not accurately predict future market conditions. Such simulations are useful for understanding potential volatility and risk but should not be the sole basis for investment decisions.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

The portfolio's asset class distribution, with a heavy emphasis on stocks and a small allocation to alternative investments (via the Bitcoin Trust), suggests a growth-oriented strategy. This composition aligns with the portfolio's risk score but limits exposure to potential stabilizing assets like bonds or cash equivalents, which could mitigate volatility during market downturns.

Sectors Info

  • Technology
    23%
  • Financials
    16%
  • Industrials
    11%
  • Consumer Discretionary
    10%
  • Health Care
    8%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    2%

Sector allocations reveal a concentration in technology and financial services, which are sectors known for their volatility but also for their high growth potential. This concentration could lead to higher short-term gains but also increases the risk of significant losses during sector-specific downturns. Diversifying across more sectors or increasing allocations to more defensive sectors could provide a buffer against such volatility.

Regions Info

  • North America
    81%
  • Europe Developed
    5%
  • Japan
    2%
  • Australasia
    1%

The portfolio's geographic allocation is heavily weighted towards North America (81%), with minimal exposure to international markets. This focus enhances exposure to the U.S. economy's growth potential but also increases susceptibility to regional economic downturns. Expanding international exposure, especially to emerging markets, could offer additional growth opportunities and risk mitigation through geographic diversification.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    22%
  • Mid-cap
    18%
  • Small-cap
    14%
  • Micro-cap
    4%

The market capitalization distribution indicates a balanced approach, with allocations across mega, big, medium, small, and micro-caps. This variety suggests an attempt to capture growth across different company sizes, although the focus leans more towards larger companies. Increasing allocations to small and micro-cap companies could enhance growth potential but would also increase volatility.

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, this portfolio appears to be positioned for high returns, albeit with higher risk, as indicated by its risk score. Adjustments towards a more efficient risk-return ratio could involve diversifying further across asset classes and reducing concentration in highly volatile sectors or assets. Such optimization would aim to maintain high return potential while mitigating risk.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.60%
  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Invesco S&P International Developed Momentum ETF 1.90%
  • Vanguard S&P 500 ETF 1.20%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Invesco S&P SmallCap Momentum ETF 0.80%
  • Weighted yield (per year) 1.18%

The portfolio's dividend yield, while not the primary focus, contributes to its total return. The yields from various ETFs, averaging 1.18%, provide a modest income stream, which can be reinvested for compound growth. Given the growth focus of the portfolio, the current dividend strategy appears appropriate, though investors seeking income might consider higher-yielding assets.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Vanguard S&P 500 ETF 0.03%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Invesco S&P SmallCap Momentum ETF 0.39%
  • Weighted costs total (per year) 0.14%

With a total expense ratio (TER) of 0.14%, the portfolio is cost-efficient, particularly given its diversification across several ETFs. The low costs associated with the Vanguard S&P 500 ETF significantly contribute to this efficiency. Maintaining low investment costs is crucial for enhancing long-term returns, and this portfolio exemplifies a cost-effective investment strategy.

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