This portfolio has only about 1.4 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.

A balanced growth-focused portfolio with an innovative mix including cryptocurrency

Report created on Aug 6, 2025

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

The portfolio presents a blend of assets predominantly focused on growth, with a significant allocation towards U.S. large-cap equities and diversified international exposure. The inclusion of specialized ETFs, such as those focusing on international small-cap value stocks and a notable position in a cryptocurrency trust, adds an innovative edge. However, the mix of stocks, bonds, and alternative investments suggests a balanced approach, aiming to mitigate risk through diversification. The overall asset allocation aligns with a balanced risk profile, yet the specific choices indicate a tilt towards growth and diversification beyond traditional markets.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 19.70%, with a maximum drawdown of -16.46%. This performance suggests resilience during market downturns and the ability to capture significant upside during favorable conditions. The days contributing most to returns highlight the portfolio's potential for significant gains in short periods, likely reflecting well-timed investments in growth sectors or assets. While past performance is impressive, investors should remain aware that such returns may not be sustainable indefinitely and depend on market conditions.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, suggest a wide range of potential portfolio values. With 999 out of 1,000 simulations showing positive returns, the portfolio appears well-positioned for growth. However, the broad spread between the 5th and 67th percentiles underscores the inherent uncertainty in projections, emphasizing the need for ongoing risk management and the potential for volatility.

Asset classes Info

  • Stocks
    74%
  • Bonds
    34%
  • Other
    4%

The asset class distribution, with a heavier weighting towards stocks, underscores the portfolio's growth orientation. The bond allocation, although significant, is balanced by the inclusion of high-yield options, which can offer better returns but come with higher risk. The "Other" category, including cryptocurrency, introduces an alternative investment dimension, potentially enhancing returns but also adding volatility. This composition supports a balanced risk-return profile, aiming for growth while attempting to mitigate extreme volatility through diversification.

Sectors Info

  • Technology
    22%
  • Financials
    11%
  • Industrials
    9%
  • Consumer Discretionary
    9%
  • Telecommunications
    7%
  • Health Care
    6%
  • Basic Materials
    4%
  • Energy
    3%
  • Consumer Staples
    2%
  • Utilities
    2%
  • Real Estate
    1%

Sector allocations reveal a strong emphasis on technology, financial services, and industrials, which are sectors typically associated with growth but also with higher volatility. The presence of defensive sectors like healthcare and consumer staples, although minimal, provides some risk mitigation. This sectoral spread indicates an attempt to capture growth while maintaining some level of protection against market downturns, a strategy that aligns with the portfolio's balanced risk classification.

Regions Info

  • North America
    61%
  • Europe Developed
    14%
  • Japan
    7%
  • Australasia
    2%
  • Asia Developed
    1%
  • Africa/Middle East
    1%

Geographic diversification is primarily focused on North America and developed markets in Europe and Japan, with minimal exposure to emerging markets. This allocation suggests a preference for the stability and predictability of developed markets, though it may limit potential gains from high-growth emerging markets. Expanding geographic exposure could enhance diversification benefits and potentially capture growth in less correlated markets.

Market capitalization Info

  • Mega-cap
    24%
  • Mid-cap
    15%
  • Small-cap
    14%
  • Large-cap
    13%
  • Micro-cap
    6%

The market capitalization breakdown shows a diversified approach, with allocations across mega, medium, small, big, and micro caps. This variety can help spread risk and capture opportunities in different segments of the market. However, the significant position in mega-cap stocks, while potentially stabilizing, may skew the portfolio towards the performance of a few large companies, suggesting a review to ensure alignment with diversification objectives.

Redundant positions Info

  • Avantis® International Small Cap Value ETF
    Dimensional International Core Equity 2 ETF
    High correlation

The high correlation observed between certain international ETFs indicates overlapping exposures that may not contribute to diversification. Identifying and addressing these overlaps can enhance the portfolio's risk-adjusted performance by ensuring that each asset brings unique value and reduces overall volatility through genuine diversification.

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.

The portfolio's current configuration suggests room for optimization, particularly in reducing asset overlap and reassessing allocations to highly volatile or costly investments. Employing the Efficient Frontier concept could help in identifying an asset mix that offers the best possible risk-return trade-off, based on historical performance. However, it's crucial to remember that optimization based on past data does not guarantee future performance and should be part of a broader strategy that includes regular reviews and adjustments.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Dimensional International Core Equity 2 ETF 2.70%
  • Fidelity Covington Trust 1.20%
  • PIMCO Dynamic Income Fund 13.70%
  • PIMCO ETF Trust 5.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Tidal Trust II 126.40%
  • Weighted yield (per year) 15.62%

The portfolio's dividend yield is varied, with some assets offering high yields, contributing to the portfolio's income and potentially offsetting periods of lower capital appreciation. However, the extremely high yield reported for one asset may require verification as it appears unusually elevated, potentially indicating data errors or high-risk strategies.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Dimensional International Core Equity 2 ETF 0.23%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • Fidelity Covington Trust 0.28%
  • PIMCO Dynamic Income Fund 2.18%
  • PIMCO ETF Trust 0.55%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Tidal Trust II 1.14%
  • Weighted costs total (per year) 0.51%

The Total Expense Ratio (TER) across the portfolio averages to 0.51%, which is reasonable given the mix of traditional and specialized ETFs. However, the notably higher costs associated with specific funds, particularly those offering dynamic income or specialized strategies, highlight the importance of monitoring fees to ensure they do not erode returns over time.

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