This portfolio has only about 1.8 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 and highly diversified portfolio with a strong focus on global stocks and alternative investments

Report created on Oct 27, 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 is predominantly composed of the Vanguard Total World Stock Index Fund ETF Shares, making up 85% of the allocation. This ETF provides broad exposure to global equities, encompassing a wide range of sectors and geographies. The remaining 15% is divided equally among SPDR Gold Mini Shares, iShares Bitcoin Trust, and Schwab U.S. Dividend Equity ETF. This diversification strategy blends traditional stock investments with alternative assets like gold and bitcoin, along with a focus on dividend-yielding stocks, aiming to balance growth potential with risk mitigation.

Growth Info

Historically, the portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 23.07%, with a maximum drawdown of -15.65%. This performance indicates a strong upward trend in value over time, albeit with some volatility. The days contributing to 90% of the returns highlight the impact of significant market movements on the portfolio's performance. Comparing these figures to benchmark indices would provide context, but the high CAGR suggests the portfolio has potentially outperformed many traditional market benchmarks.

Projection Info

Monte Carlo simulations, which project future performance based on historical data, show a wide range of outcomes. The median projection suggests a substantial increase, but it's important to remember that these simulations assume past trends continue and cannot predict unforeseen market shifts. While the analysis offers valuable insight, investors should consider it as one of many tools, recognizing its limitations in forecasting future market conditions.

Asset classes Info

  • Stocks
    89%
  • Other
    10%
  • Cash
    1%

The asset allocation consists of 89% stocks, 10% in alternative investments (gold and bitcoin), and a minimal cash position. This distribution underlines a growth-oriented strategy, with a significant tilt towards equities for capital appreciation. The inclusion of gold and bitcoin diversifies the portfolio beyond traditional stock and bond investments, potentially offering a hedge against inflation and currency devaluation.

Sectors Info

  • Technology
    22%
  • Financials
    15%
  • Industrials
    10%
  • Consumer Discretionary
    10%
  • Health Care
    8%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

Sector allocation is led by technology and financial services, followed by industrials and consumer cyclicals. This sector spread is reflective of a growth-focused approach, given the historically higher growth rates of technology and consumer cyclical companies. However, the concentration in these sectors also introduces sector-specific risks, such as regulatory changes or economic downturns impacting consumer spending.

Regions Info

  • North America
    61%
  • Europe Developed
    12%
  • Asia Emerging
    5%
  • Japan
    5%
  • Asia Developed
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is heavily weighted towards North America (61%), with smaller exposures to developed Europe, Asia, and other regions. This geographic distribution suggests a strong reliance on the performance of North American markets, potentially limiting exposure to growth opportunities in emerging markets. Diversifying more into underrepresented regions could offer additional growth potential and risk mitigation.

Market capitalization Info

  • Mega-cap
    36%
  • Large-cap
    29%
  • Mid-cap
    17%
  • Small-cap
    5%
  • Micro-cap
    1%

The market capitalization breakdown shows a preference for mega and big-cap companies, which typically offer stability and steady growth. However, the relatively lower allocation to small and micro-cap stocks might limit the portfolio's exposure to high-growth potential sectors. Considering a slight increase in small and micro-cap investments could enhance growth prospects, albeit with increased volatility.

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 optimizing the risk-return ratio based on current allocations. Adjustments within the existing assets could further refine this balance, but the current mix aligns closely with a strategy seeking to maximize returns for a given level of risk. Regular reviews and adjustments in response to changing market conditions can help maintain this optimization.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Weighted yield (per year) 1.64%

The dividend yield from the Schwab U.S. Dividend Equity ETF and the Vanguard Total World Stock Index Fund ETF Shares contributes to the portfolio's total yield of 1.64%. This yield, while modest, offers a steady income stream, complementing capital gains from the portfolio's growth assets. For investors seeking income, maintaining or slightly increasing the allocation to high-dividend-yielding assets could be beneficial.

Ongoing product costs Info

  • SPDR Gold Mini Shares 0.10%
  • iShares Bitcoin Trust 0.12%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.07%

The portfolio's total expense ratio (TER) of 0.07% is impressively low, enhancing long-term return potential by minimizing cost drag. This cost efficiency is crucial for maximizing net returns, particularly in a low-yield environment. Investors should continue to monitor fund expenses and consider cost as a key factor in investment decisions.

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