Balanced yet dynamic portfolio with a tech tilt and diversified asset classes

Report created on Nov 25, 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 exhibits a strategic blend of equity and fixed income assets, with a significant emphasis on technology and sector-specific ETFs. The allocation to the Vanguard Total Stock Market Index Fund ETF Shares and the Invesco NASDAQ 100 ETF underscores a focus on broad market exposure and tech-heavy sectors, respectively. The presence of the Vanguard Total Bond Market Index Fund ETF Shares introduces fixed income to stabilize volatility, while niche ETFs in cybersecurity, clean energy, and data sharing indicate targeted growth bets. This composition suggests a balanced approach to risk, aiming to capture growth while cushioning against market downturns.

Growth Info

Historically, the portfolio has demonstrated robust growth with a Compound Annual Growth Rate (CAGR) of 14.39%. The maximum drawdown of -27.58% reflects its resilience during market corrections, likely cushioned by the bond allocation and diversification across sectors and geographies. The performance peaks within a few days indicate that returns have been significantly impacted by short-term market movements, emphasizing the importance of staying invested during volatile periods for long-term gain.

Projection Info

Using Monte Carlo simulation, which forecasts future performance by analyzing historical data, this portfolio shows promising growth prospects. With a median projected increase of 573.3% and a high likelihood of positive returns in 966 out of 1,000 simulations, the analysis suggests strong potential for wealth accumulation. However, it's important to remember that these projections are hypothetical and subject to the limitations of past data as predictors of future results.

Asset classes Info

  • Stocks
    84%
  • Bonds
    10%
  • Other
    5%
  • Cash
    1%

The portfolio's asset allocation is heavily skewed towards stocks (84%), with a modest allocation to bonds (10%) and a minimal exposure to other assets (5%). This allocation aligns with a balanced-risk profile, aiming for growth through equities while using bonds to mitigate volatility. The small allocation to 'other' assets, including commodities like gold, provides additional diversification, potentially offering protection against inflation and currency devaluation.

Sectors Info

  • Technology
    32%
  • Financials
    10%
  • Consumer Discretionary
    8%
  • Industrials
    8%
  • Telecommunications
    7%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Energy
    4%
  • Utilities
    3%
  • Basic Materials
    2%
  • Real Estate
    1%

Sectoral allocation is heavily weighted towards technology (32%), reflecting a conviction in tech's growth prospects. Financial Services and Consumer Cyclicals follow, providing some balance but also indicating a growth-oriented strategy. The portfolio's sector distribution suggests a keen focus on areas expected to benefit from digital transformation and consumer spending trends. However, this tech-heavy focus may introduce sector-specific risks, particularly during market downturns or interest rate hikes.

Regions Info

  • North America
    70%
  • Europe Developed
    6%
  • Asia Emerging
    3%
  • Asia Developed
    2%
  • Japan
    2%
  • Latin America
    1%
  • Africa/Middle East
    1%

Geographically, the portfolio is predominantly invested in North America (70%), with smaller exposures to developed Europe (6%) and emerging Asian markets (3%). This distribution highlights a confidence in the US market's growth potential while maintaining some international diversification to capture global growth opportunities. However, the limited exposure to emerging markets and other regions might mean missing out on higher growth rates available elsewhere.

Market capitalization Info

  • Large-cap
    29%
  • Mega-cap
    28%
  • Mid-cap
    15%
  • Small-cap
    7%
  • No data
    5%
  • Micro-cap
    4%

The market capitalization breakdown shows a balanced approach, with big (29%) and mega-cap (28%) companies forming the bulk of the portfolio, complemented by medium (15%), small (7%), and micro-cap (4%) allocations. This mix aims to capture the stability of large-cap companies while seeking higher growth potential from smaller caps. The presence of 'unknown' cap size (5%) could indicate investments in newer or less transparent entities, adding a layer of risk and potential reward.

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 well-positioned for its risk-return profile, balancing potential growth with risk mitigation through diversification and strategic asset allocation. However, ongoing optimization could explore adjusting the tech-heavy focus or increasing exposure to underrepresented sectors and geographies to potentially improve the risk-return ratio further.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Amplify Transformational Data Sharing ETF 4.40%
  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • First Trust NASDAQ Cybersecurity ETF 0.20%
  • iShares Global Clean Energy ETF 1.60%
  • Invesco NASDAQ 100 ETF 0.50%
  • Defiance Quantum ETF 0.70%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • VanEck Semiconductor ETF 0.30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.73%

Dividend yields across the portfolio contribute to its total return, with an average yield of 1.73%. Fixed income and specific equity ETFs like the Schwab U.S. Dividend Equity ETF bolster income generation, complementing growth from capital appreciation. This balanced approach supports the portfolio's objective of long-term wealth building, offering a steady income stream while participating in equity market growth.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Amplify Transformational Data Sharing ETF 0.76%
  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • First Trust NASDAQ Cybersecurity ETF 0.59%
  • iShares Gold Trust 0.25%
  • iShares Global Clean Energy ETF 0.41%
  • Invesco NASDAQ 100 ETF 0.15%
  • Defiance Quantum ETF 0.40%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.15%

The Total Expense Ratio (TER) across the portfolio averages to 0.15%, indicating efficient cost management. Lower costs directly enhance net returns, making this portfolio's cost structure commendably lean. Notably, the Vanguard ETFs contribute to this efficiency with their low expense ratios, underscoring the importance of cost consciousness in portfolio construction.

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