Balanced and focused portfolio with a strong emphasis on US equities and dividends

Report created on Jul 26, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

Your portfolio is heavily weighted towards US equities, with a significant allocation in the Vanguard S&P 500 ETF, making up 60% of your portfolio. This is complemented by positions in the Schwab U.S. Dividend Equity ETF and the JPMorgan Nasdaq Equity Premium Income ETF, together constituting 30% of the portfolio, and a 10% allocation in short-term US Treasury bonds. This composition indicates a focus on capital growth through large-cap equities and income generation via dividends, while maintaining a lower-risk buffer with short-term bonds.

Growth Info

Historically, your portfolio has delivered a Compound Annual Growth Rate (CAGR) of 12.29%, with a maximum drawdown of -16.34%. These figures suggest a resilient performance during market fluctuations, underscored by the days contributing to 90% of returns being notably few. This performance, especially the drawdown metric, is crucial for understanding the portfolio's risk-return profile, indicating your investments have navigated market volatilities well while offering solid returns.

Projection Info

Monte Carlo simulations, using historical data to project future outcomes, show a wide range of potential returns for your portfolio. With 987 out of 1,000 simulations predicting positive returns and a median projected growth of 257.1%, these results underscore the portfolio's potential for substantial growth. However, it's important to remember that these projections are speculative and depend on historical market behaviors, which may not always predict future movements accurately.

Asset classes Info

  • Stocks
    88%
  • Bonds
    10%
  • No data
    2%

Your portfolio's asset allocation leans heavily towards stocks (88%), with a minor allocation in bonds (10%). This distribution aligns with a growth-focused strategy but carries higher volatility and risk compared to more diversified or bond-heavy portfolios. Considering your balanced risk profile, this allocation supports growth while the bond component provides a modest buffer against market downturns.

Sectors Info

  • Technology
    27%
  • Financials
    10%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    8%
  • Industrials
    7%
  • Energy
    6%
  • Utilities
    2%
  • Basic Materials
    1%
  • Real Estate
    1%

The sectoral allocation of your portfolio shows a heavy emphasis on technology, financial services, and consumer cyclicals, which are sectors known for their growth potential but also for higher volatility. This concentration in high-growth sectors aligns with the pursuit of capital appreciation but warrants caution against sector-specific risks. Diversifying into more defensive sectors or increasing the bond allocation could provide additional stability.

Regions Info

  • North America
    89%
  • Europe Developed
    1%

With 89% of assets allocated to North America, your portfolio exhibits a strong home bias, potentially limiting exposure to global growth opportunities and diversification benefits. While this concentration may have benefited from strong US market performance, incorporating developed or emerging market equities could enhance returns and reduce geographic risk over the long term.

Market capitalization Info

  • Large-cap
    35%
  • Mega-cap
    33%
  • Mid-cap
    18%
  • Small-cap
    2%

The market capitalization breakdown reveals a focus on big and mega-cap stocks, which typically offer stability and lower volatility compared to smaller companies. This is appropriate for a balanced risk profile, seeking growth with a mindful approach to risk. However, a modest inclusion of mid-cap stocks could introduce growth opportunities with reasonable 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.

Click on the colored dots to explore allocations.

Considering the Efficient Frontier, your current portfolio appears to be positioned towards the upper end of the risk-return spectrum within its existing asset allocation. While it's optimized for a balance between risk and return based on historical data, exploring diversification across different asset classes or geographic regions could further enhance this balance, potentially offering a more optimized risk-return profile without significantly altering the portfolio's fundamental characteristics.

Dividends Info

  • JPMorgan Nasdaq Equity Premium Income ETF 11.20%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • iShares 1-3 Year Treasury Bond ETF 4.00%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 3.00%

Your portfolio's focus on dividend-yielding ETFs contributes to a total yield of 3.00%, enhancing income generation and potentially offering a cushion during market dips. This strategy is well-suited for investors seeking regular income in addition to capital appreciation. Monitoring dividend stability and growth across your holdings will be key to sustaining this income stream.

Ongoing product costs Info

  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • iShares 1-3 Year Treasury Bond ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.08%

The portfolio's overall expense ratio is relatively low at 0.08%, which is beneficial for long-term growth as lower costs directly translate to higher net returns. This cost efficiency is particularly noteworthy given the portfolio's focus on ETFs, which can vary widely in expense ratios. Maintaining vigilance on investment costs will continue to support your portfolio's performance efficiency.

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