This portfolio has only about 1.2 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.
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Growth-focused portfolio with heavy tech and consumer cyclical stocks and minimal bond exposure

Report created on May 5, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification
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Positions

The portfolio is predominantly invested in equities (91%), with a significant allocation towards technology and consumer cyclical sectors. The Vanguard S&P 500 ETF comprises over half of the portfolio, providing broad market exposure, while individual stock picks like NVIDIA and Amazon add a focused growth element. The bond component is minimal, represented mainly by the iShares Short Treasury Bond ETF. This composition suggests a growth-oriented strategy with a high tolerance for volatility and a focus on capital appreciation over income.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 19.36%, with a maximum drawdown of -24.38%. This performance indicates a strong growth trajectory, albeit with significant volatility. The days contributing most to returns were remarkably few, highlighting the impact of short-term gains. While past performance is impressive, it's important to remember it doesn't guarantee future results, and the high growth comes with increased risk.

Projection Info

The Monte Carlo simulation, using 1,000 scenarios, suggests a wide range of outcomes but a generally positive outlook, with 98% of simulations yielding positive returns. The median projected return is substantial, indicating potential for significant growth. However, these projections are based on historical data and assumptions that may not account for future market changes. Investors should view these results as one of many tools in assessing potential portfolio performance.

Asset classes Info

  • Stocks
    91%
  • Bonds
    5%
  • Cash
    4%

The asset class allocation leans heavily towards stocks, with a small percentage in bonds and cash. This allocation is typical for growth-oriented portfolios aiming for higher returns, albeit at a higher risk level. The minimal bond exposure provides limited cushion against stock market volatility, emphasizing the portfolio's aggressive growth stance. Diversifying across more asset classes could reduce risk without significantly compromising growth potential.

Sectors Info

  • Technology
    32%
  • Consumer Discretionary
    19%
  • Industrials
    10%
  • Financials
    7%
  • Health Care
    6%
  • Telecommunications
    5%
  • No data
    4%
  • Consumer Staples
    3%
  • Energy
    2%
  • Utilities
    1%
  • Real Estate
    1%
  • Basic Materials
    1%

The sector distribution is heavily weighted towards technology and consumer cyclicals, reflecting a bet on sectors often associated with high growth but also higher volatility. While this can lead to substantial gains during bull markets, it may also expose the portfolio to significant drops during market corrections, especially in tech-heavy downturns. Considering a more balanced sector distribution could mitigate some of this volatility.

Regions Info

  • North America
    90%

The geographic allocation is heavily concentrated in North America (90%), with no exposure to developed markets in Europe or Asia. This concentration benefits from the strong performance of the US market but lacks international diversification, which could reduce risk and tap into growth opportunities in other regions. Expanding geographic exposure could enhance the portfolio's risk-adjusted returns over the long term.

Market capitalization Info

  • Mega-cap
    54%
  • Large-cap
    27%
  • Mid-cap
    9%

The market capitalization breakdown shows a preference for mega and big-cap stocks, which typically offer stability and solid growth potential. However, the absence of small-cap exposure limits the portfolio's ability to benefit from the higher growth rates often seen in smaller companies. Incorporating a mix of medium and small-cap stocks could introduce more growth opportunities and diversification benefits.

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.

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The current portfolio's expected return is below that of an optimized portfolio with a similar risk level, suggesting room for improvement in risk-return efficiency. By reallocating assets to achieve the optimal balance, the portfolio could potentially increase its expected return to 4.85% with a risk level of 0.24%. This optimization process involves adjusting the current asset allocation to better align with the Efficient Frontier, enhancing the portfolio's performance potential.

Dividends Info

  • Delta Air Lines Inc 1.20%
  • Tidal Trust II 120.90%
  • Pershing Square Holdings Ltd 1.20%
  • iShares Short Treasury Bond ETF 4.40%
  • Vanguard S&P 500 ETF 1.40%
  • Weighted yield (per year) 2.98%

The portfolio's dividend yield is relatively low, which is consistent with its growth focus. However, dividends contribute to total returns and provide a source of income, which can be particularly valuable during market downturns. Considering investments with higher dividend yields or dividend growth could offer a balance of income and growth, enhancing the portfolio's overall return profile.

Ongoing product costs Info

  • Tidal Trust II 0.99%
  • iShares Short Treasury Bond ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.04%

The portfolio's costs are varied, with the highest expense ratio found in the Tidal Trust II ETF. While the overall Total Expense Ratio (TER) is low, minimizing costs is crucial for enhancing long-term returns. Investors should continually assess the value added by higher-cost investments and consider lower-cost alternatives that achieve similar objectives.

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