This portfolio has only about 1.3 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.
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A balanced portfolio with a strong emphasis on global stocks and a touch of digital currency exposure

Report created on Apr 30, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification
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Positions

This portfolio primarily consists of the Vanguard Total World Stock Index Fund ETF Shares, making up 90% of the allocation, with the remaining 10% in the iShares Bitcoin Trust. This structure indicates a heavy reliance on global equities for growth, complemented by a smaller, speculative position in digital currency through Bitcoin. Such a composition suggests a strategy aiming for comprehensive market exposure with a hint of higher risk and potential reward from the cryptocurrency market.

Growth Info

Historically, this portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 19.08%, with a maximum drawdown of -17.27%. The performance indicates a robust growth trajectory, albeit with significant volatility, as evidenced by the drawdown. It's crucial to understand that while past performance is informative, it's not a guaranteed predictor of future returns. The days contributing most to returns highlight the volatility and potential concentration of gains in short periods, typical of portfolios with exposure to high-growth assets.

Projection Info

Monte Carlo simulations, which use historical data to forecast a range of possible outcomes, suggest a wide spread of potential future values for this portfolio. With all simulations showing positive returns and a median projected increase significantly above the initial investment, the forward-looking analysis underscores the growth potential. However, it's important to remember that these projections are speculative and depend on past market behavior, which may not repeat in the future.

Asset classes Info

  • Stocks
    89%
  • Other
    10%
  • Cash
    1%

The asset class distribution shows a dominant position in stocks (89%), with a minor allocation to 'Other' (10%), primarily representing the cryptocurrency exposure, and a negligible cash position (1%). This allocation underscores a growth-focused strategy with limited liquidity and diversification outside of equities and digital assets. For a balanced profile, this heavy tilt towards equities and high-risk assets like Bitcoin may necessitate a review to ensure alignment with the investor's risk tolerance and goals.

Sectors Info

  • Technology
    21%
  • Financials
    16%
  • Industrials
    10%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Real Estate
    3%
  • Utilities
    2%

Sectoral allocation within the portfolio is broadly diversified across technology, financial services, industrials, consumer cyclicals, and healthcare, among others. This diversification across sectors can help mitigate sector-specific risks. However, the significant weight in technology and financial services mirrors broader market trends and carries the risk of sector concentration, particularly if these sectors face downturns.

Regions Info

  • North America
    59%
  • Europe Developed
    13%
  • Asia Emerging
    6%
  • Japan
    5%
  • Asia Developed
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is heavily weighted towards North America (59%), with diversified exposure across developed Europe, emerging Asia, Japan, and other regions. This global exposure is beneficial for capturing growth across different economies but also introduces geopolitical and currency risks. The underrepresentation of emerging markets and certain developed regions might limit potential returns from faster-growing economies.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    28%
  • Mid-cap
    17%
  • Small-cap
    5%
  • Micro-cap
    1%

The market capitalization breakdown shows a preference for mega (38%) and big (28%) cap stocks, followed by medium, small, and micro caps. This skew towards larger companies generally suggests a focus on stability and lower volatility. However, the relatively lower allocation to smaller caps could mean missed opportunities for higher growth, albeit with increased 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.

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Considering the Efficient Frontier, this portfolio appears to be positioned for a high growth potential but may not be fully optimized for the best risk-return ratio given its heavy stock concentration and speculative Bitcoin position. Adjustments to the asset allocation could potentially enhance the portfolio's efficiency, balancing risk and return more effectively. This optimization process involves evaluating how changing the mix of assets can improve the portfolio's projected performance for a given level of risk.

Dividends Info

  • Vanguard Total World Stock Index Fund ETF Shares 1.90%
  • Weighted yield (per year) 1.71%

The dividend yield of the portfolio, primarily from the Vanguard ETF, stands at 1.71%. This yield contributes to the portfolio's total return, offering a source of income in addition to potential capital gains. For investors seeking growth with a moderate income component, this yield level is a positive feature, though the portfolio's focus remains on capital appreciation.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.08%

With a total expense ratio (TER) of 0.08%, the portfolio benefits from relatively low costs, enhancing net returns over the long term. Low costs are crucial for long-term investment success, as they directly increase the amount of capital available to compound over time. This efficient cost structure is a strong aspect of the portfolio, aligning with best practices for maximizing investment growth.

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