A balanced and broadly diversified portfolio with a strong emphasis on global equities

Report created on Jul 23, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Your portfolio consists of a substantial allocation to equities, split between 70% in U.S. stocks and 30% in international stocks, as represented by two Vanguard ETFs. This composition underscores a strategy focused on capitalizing on global equity markets while maintaining a balanced risk profile. The diversification score and risk classification indicate a well-considered approach to spreading risk across various markets and sectors, aligning with a balanced investor profile.

Growth Info

The historical performance showcases a Compound Annual Growth Rate (CAGR) of 12.30%, which is impressive. The max drawdown of -34.59% reflects the inherent volatility in equity markets but is within an acceptable range for a balanced portfolio. The days contributing to 90% of returns highlight the importance of staying invested despite market fluctuations, as significant gains can be concentrated in short periods.

Projection Info

Monte Carlo simulations, using historical data to forecast potential outcomes, suggest a wide range of future portfolio values. The median outcome of a 299.3% increase is promising, with 97.2% of simulations resulting in positive returns. This analysis reinforces the potential for significant growth while acknowledging the uncertainties inherent in stock market investments.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

With 99% of your portfolio in stocks and 1% in cash, the asset class allocation underlines a strong growth orientation. This is typical for investors with a medium to long-term horizon, willing to accept short-term volatility for higher long-term returns. The absence of bonds or alternative investments might limit downside protection during market downturns.

Sectors Info

  • Technology
    26%
  • Financials
    17%
  • Industrials
    11%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    3%
  • Real Estate
    3%
  • Utilities
    3%

The sector allocation is broadly diversified, with a notable emphasis on technology and financial services. This sector composition is reflective of the current global market trends but could expose the portfolio to sector-specific risks. The balance across industrials, consumer cyclicals, and healthcare adds a layer of diversification, mitigating some of the concentration risks.

Regions Info

  • North America
    72%
  • Europe Developed
    12%
  • Asia Emerging
    5%
  • Japan
    5%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic allocation is heavily weighted towards North America, with significant exposure to developed European markets and a modest presence in emerging markets in Asia and Latin America. This distribution provides a good balance between the stability of developed markets and the growth potential of emerging markets, though there might be room to increase exposure to high-growth regions.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    31%
  • Mid-cap
    19%
  • Small-cap
    6%
  • Micro-cap
    2%

The market capitalization breakdown, with a focus on mega and big-cap stocks, suggests a preference for established companies likely to offer stability and consistent returns. However, the relatively smaller allocation to small and micro-cap stocks could limit opportunities for outsized growth that these segments occasionally offer.

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.

Based on the Efficient Frontier concept, your portfolio appears well-positioned to achieve a favorable risk-return balance. However, continuous monitoring and occasional rebalancing are essential to maintain this balance, especially considering market dynamics and changes in your financial goals or risk tolerance.

Dividends Info

  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.68%

The dividend yield of 1.68% contributes to the portfolio's total return, offering a steady income stream in addition to potential capital gains. The higher yield from international stocks enhances the portfolio's income-generating capability, which can be particularly valuable in volatile or declining markets.

Ongoing product costs Info

  • 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) 0.04%

The total expense ratio (TER) of 0.04% is exceptionally low, maximizing the potential for net returns. Keeping costs low is crucial for long-term investment success, as fees can significantly erode gains over time. Your portfolio benefits from Vanguard's reputation for low-cost, high-quality funds.

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