Balanced portfolio with a strong focus on dividends and technology sector exposure

Report created on Oct 28, 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 composition showcases a significant tilt towards ETFs and a select few common stocks, with a heavy emphasis on the technology sector and dividend-yielding assets. The blend of growth and income-focused ETFs, alongside direct stock holdings in major corporations, indicates a strategy aimed at balancing growth potential with income generation. This structure is particularly noteworthy for its attempt to merge the stability of dividends with the growth prospects of large-cap tech stocks.

Growth Info

The portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 13.59%, with a maximum drawdown of -17.39%. These figures suggest a relatively strong performance, particularly when considering the balance between risk and return. The days contributing to 90% of returns being concentrated in just 15 days highlight the impact of significant market movements on portfolio performance. This underscores the importance of staying invested through market volatility to capture potential gains.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, indicate a wide range of potential future values for your portfolio. With 995 out of 1,000 simulations showing positive returns, the analysis suggests a high likelihood of future gains. However, it's crucial to remember that these projections are hypothetical and subject to the limitations of past data, which may not accurately predict future market conditions.

Asset classes Info

  • Stocks
    96%
  • No data
    3%
  • Cash
    1%

Your portfolio's asset allocation is heavily weighted towards stocks (96%), with a minimal presence of cash and unclassified assets. This high equity exposure aligns with a balanced profile's growth objectives but comes with higher volatility. Diversifying across more asset classes, such as fixed income or commodities, could offer additional risk management benefits and potentially stabilize returns during market downturns.

Sectors Info

  • Technology
    31%
  • Consumer Staples
    14%
  • Real Estate
    11%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    7%
  • Financials
    7%
  • Industrials
    6%
  • Energy
    5%
  • Utilities
    1%
  • Basic Materials
    1%

The sectoral allocation reveals a strong focus on technology, consumer defensive, and real estate sectors. This concentration in technology may increase volatility, given the sector's sensitivity to interest rate changes and economic cycles. However, the presence of consumer defensive and real estate sectors can provide some balance, contributing to the portfolio's income through dividends and potentially offering stability in different market conditions.

Regions Info

  • North America
    99%
  • Europe Developed
    1%

Geographically, your portfolio is almost entirely invested in North America, with a negligible exposure to developed Europe. This concentration in the U.S. market can limit global diversification benefits and expose the portfolio to country-specific risks. Expanding geographic exposure, particularly to emerging markets or other developed regions, could enhance diversification and tap into growth opportunities outside the U.S.

Market capitalization Info

  • Large-cap
    44%
  • Mega-cap
    34%
  • Mid-cap
    15%
  • Small-cap
    2%
  • Micro-cap
    1%

The market capitalization breakdown shows a preference for big and mega-cap stocks, which typically offer stability and consistent dividend payouts. However, the limited exposure to medium, small, and micro-cap stocks could mean missing out on higher growth potential these segments may offer. Incorporating a broader range of market caps could enhance growth prospects and diversification.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    JPMorgan Nasdaq Equity Premium Income ETF
    Invesco NASDAQ 100 ETF
    Vanguard Information Technology Index Fund ETF Shares
    High correlation

The portfolio contains highly correlated assets, particularly within the technology sector ETFs, which could limit diversification benefits during market downturns. Reducing overlap by reallocating from highly correlated assets to those with lower correlations can enhance the portfolio's risk-adjusted performance by spreading risk more effectively across different investments.

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.

Optimizing the portfolio using the Efficient Frontier could enhance its risk-return profile. Currently, the portfolio's heavy correlation among certain assets suggests room for improvement in diversification. By adjusting allocations to reduce overlap and incorporate a wider range of uncorrelated assets, you could potentially achieve a more efficient portfolio, offering better returns for the same level of risk.

Dividends Info

  • Costco Wholesale Corp 0.50%
  • Amplify CWP Enhanced Dividend Income ETF 4.40%
  • JPMorgan Equity Premium Income ETF 8.20%
  • JPMorgan Nasdaq Equity Premium Income ETF 10.10%
  • Realty Income Corporation 5.30%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Weighted yield (per year) 3.83%

Dividend yields across various holdings contribute significantly to the portfolio's total yield of 3.83%, underscoring a strategic focus on income generation. This approach is beneficial for investors seeking regular income streams, but it's essential to balance yield pursuit with growth opportunities and risk management, ensuring that high-yielding investments do not overly concentrate the portfolio in slower-growing sectors.

Ongoing product costs Info

  • Amplify CWP Enhanced Dividend Income ETF 0.56%
  • JPMorgan Equity Premium Income ETF 0.35%
  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Weighted costs total (per year) 0.15%

The portfolio's total expense ratio (TER) of 0.15% is relatively low, which is advantageous for long-term performance. Keeping costs low is crucial in maximizing net returns, especially in a balanced portfolio where the objective is to achieve a steady growth rate without incurring excessive fees. Continuously monitoring and managing these costs will be essential in maintaining the portfolio's efficiency.

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