A well-rounded conservative portfolio with a global reach and a focus on diversified growth

Report created on Jun 12, 2025

Risk profile Info

2/7
Conservative
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio is structured around three main ETFs, with a 50% allocation to a balanced ETF, and 25% each to international value and growth ETFs. This composition suggests a conservative approach, aiming for steady growth with a diversified exposure across various asset classes and geographies. Its heavy weighting towards a balanced fund, complemented by growth and international value components, indicates a strategy that seeks to mitigate risks while capturing potential upside from global equities.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 10.04%, with a maximum drawdown of -17.63%. These figures suggest that the portfolio has managed to deliver respectable growth while keeping volatility relatively low, a key achievement for conservative investment strategies. The days contributing to 90% of returns highlight the impact of significant market movements on portfolio performance, underscoring the importance of staying invested through market cycles.

Projection Info

Monte Carlo simulations, using historical data to forecast future performance, suggest a wide range of outcomes with a median projected growth of 311%. This indicates potential for significant growth, but also underscores the inherent uncertainty in investing. It's crucial to understand that these projections are not guarantees but rather scenarios based on past market behaviors.

Asset classes Info

  • US Equity
    9%
  • Stocks
    6%
  • Bonds
    5%

The portfolio's asset class distribution, with allocations in US equity, general equity, and bonds, supports its conservative stance. This mix aims to balance growth potential with risk mitigation, leveraging the stability of bonds against the higher volatility but greater growth prospects of equities. This balance is key for investors seeking moderate growth without exposure to excessive risk.

Sectors Info

  • Financials
    13%
  • Industrials
    6%
  • Technology
    5%
  • Basic Materials
    5%
  • Energy
    5%
  • Utilities
    3%
  • Real Estate
    3%
  • Health Care
    3%
  • Consumer Discretionary
    3%
  • Consumer Staples
    2%
  • Telecommunications
    1%

Sectoral allocation is broad, covering financial services, industrials, technology, and more, reflecting a well-diversified approach. This diversity helps protect the portfolio against sector-specific downturns, a crucial aspect for conservative portfolios. However, the significant weight in financial services may warrant review to ensure alignment with the investor's risk tolerance and market outlook.

Regions Info

  • North America
    19%
  • Europe Developed
    18%
  • Japan
    7%
  • Asia Developed
    2%
  • Australasia
    2%
  • Asia Emerging
    1%

Geographic diversification is evident with exposure across North America, Europe, Japan, and emerging markets. This global reach is beneficial, spreading risk across different economies and market conditions. However, the portfolio might benefit from increased exposure to emerging markets, which could offer higher growth potential, albeit with higher volatility.

Market capitalization Info

  • Mega-cap
    22%
  • Large-cap
    15%
  • Mid-cap
    6%
  • Small-cap
    1%

The allocation by market capitalization, favoring mega and big cap stocks, aligns with the portfolio's conservative profile, leveraging the stability and lower volatility of larger, established companies. However, a modest allocation to medium, small, and micro caps could enhance growth potential, warranting consideration based on the investor's risk appetite.

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.

Regarding risk vs. return optimization, the portfolio appears well-positioned on the Efficient Frontier, indicating an effective balance between risk and expected returns. This balance is essential for conservative investors seeking steady growth without undue risk. Regular reviews can ensure the portfolio maintains this optimal positioning as market conditions evolve.

Dividends Info

  • Fidelity International Value ETF 2.40%
  • TD Balanced ETF Portfolio 2.60%
  • Vanguard Growth Portfolio 1.80%
  • Weighted yield (per year) 2.35%

The dividend yields from the ETFs contribute to the portfolio's total yield of 2.35%, providing a steady income stream. This yield is a key component of total returns, especially for conservative portfolios where capital preservation and income generation are priorities.

Ongoing product costs Info

  • Fidelity International Value ETF 0.45%
  • Weighted costs total (per year) 0.11%

With a total expense ratio (TER) of 0.11%, the portfolio is cost-efficient, enhancing net returns over the long term. Keeping costs low is crucial, as high fees can significantly erode investment returns, particularly in a conservative portfolio where expected returns are modest.

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