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Balanced yet growth-oriented portfolio with a strong bond foundation and selective equity exposure

Report created on Aug 21, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is characterized by a significant allocation to bond funds, comprising 68% of the total, with the Vanguard Total Stock Market Index Fund and PIMCO Dynamic Income Fund together accounting for over two-thirds of the portfolio. This structure suggests a cautious approach to risk, aiming for steady income through bonds, while still seeking growth via stock market exposure. The inclusion of specific stocks like Americold Realty Trust and Eli Lilly indicates a strategic tilt towards sectors expected to offer stability or growth.

Growth Info

Historical performance, with a Compound Annual Growth Rate (CAGR) of 10.12%, demonstrates the portfolio's ability to deliver solid returns. The significant drawdown of -39.89% highlights past volatility, underscoring the importance of risk management. Days contributing to 90% of returns being limited to 14 suggests that returns have been concentrated in short, potent bursts, emphasizing the impact of timing and market conditions on performance.

Projection Info

Forward projections, based on Monte Carlo simulations, offer a broad range of potential outcomes, from a 5th percentile scenario of -48.4% to a 67th percentile gain of 361.8%. These projections, while informative, are inherently uncertain and should be viewed as one of many tools in evaluating future possibilities. They underscore the portfolio's potential for both significant growth and considerable risk.

Asset classes Info

  • Bonds
    68%
  • Stocks
    58%

The dual focus on bonds and stocks is a classic balanced portfolio strategy, aiming to harness the growth potential of equities and the income and stability of bonds. This allocation supports a moderate risk profile, balancing the higher volatility and potential returns of stocks with the steadier, more predictable nature of bonds.

Sectors Info

  • Technology
    14%
  • Financials
    9%
  • Industrials
    6%
  • Health Care
    6%
  • Consumer Discretionary
    6%
  • Telecommunications
    4%
  • Real Estate
    3%
  • Consumer Staples
    3%
  • Energy
    2%
  • Basic Materials
    2%
  • Utilities
    1%

Sector allocations within the equity component are diversified across technology, financial services, and healthcare, among others. This sector spread can mitigate risk by not overexposing the portfolio to the fortunes of a single sector. However, the emphasis on technology and financial services, sectors known for their volatility, adds an element of risk.

Regions Info

  • North America
    71%
  • No data
    12%
  • Europe Developed
    11%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%
  • Australasia
    1%

Geographic distribution shows a strong bias towards North America, with 71% of assets. While this concentration may capitalize on the stability and growth prospects of developed markets, it also limits exposure to the potentially higher growth opportunities in emerging markets. Diversifying geographically could enhance returns and reduce region-specific risks.

Market capitalization Info

  • Mega-cap
    21%
  • Large-cap
    15%
  • Mid-cap
    11%
  • Small-cap
    6%
  • Micro-cap
    1%

The market capitalization breakdown indicates a balanced approach, with allocations across mega, big, medium, small, and micro caps. This diversification can help smooth out volatility, as larger companies generally offer stability, while smaller companies provide growth potential.

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 allocation is positioned on the Efficient Frontier, indicating an optimal balance between risk and return. However, the potential for a more efficient portfolio with an expected return of 29.24% at a risk level of 26.06% suggests room for reallocation. This optimization process can further enhance returns without proportionately increasing risk.

Dividends Info

  • Americold Realty Trust 6.20%
  • DoubleLine Income Solutions Fund 9.90%
  • Eli Lilly and Company 0.60%
  • PIMCO Dynamic Income Fund 12.60%
  • VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ADMIRAL SHARES 2.00%
  • VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES 1.00%
  • Vanguard Total Stock Market Index Fund Admiral Shares 0.90%
  • Weighted yield (per year) 6.09%

Dividend yields contribute significantly to the portfolio's income, with particularly high yields from the DoubleLine Income Solutions Fund and PIMCO Dynamic Income Fund. This focus on income-generating assets is beneficial for investors seeking regular income streams in addition to capital appreciation.

Ongoing product costs Info

  • DoubleLine Income Solutions Fund 2.28%
  • PIMCO Dynamic Income Fund 2.18%
  • VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ADMIRAL SHARES 0.08%
  • VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES 0.05%
  • Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
  • Weighted costs total (per year) 1.03%

The variation in expense ratios among the funds, from 0.04% to 2.28%, highlights the importance of cost awareness. Lowering costs can significantly enhance long-term returns, especially in fixed-income investments where margins are thinner. Attention to the cost-benefit of each fund is crucial for maintaining efficiency.

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