A balanced investment portfolio with a strong focus on US equities and precious metals

Report created on Aug 12, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

The portfolio is heavily weighted towards US equities, comprising 90% of the allocation with a significant emphasis on technology and large-cap stocks. The remaining 10% is invested in precious metals, specifically gold and silver, offering a hedge against inflation and market volatility. This composition demonstrates a single-focused diversification strategy, primarily relying on the performance of the US stock market and a minor allocation to commodities for risk management.

Growth Info

Historically, this portfolio has shown a Compound Annual Growth Rate (CAGR) of 14.81%, with a maximum drawdown of -24.57%. These figures indicate a robust performance, especially considering the drawdown, which reflects the portfolio's resilience during market downturns. The days contributing most to returns highlight the impact of significant market movements on portfolio performance, underscoring the importance of staying invested during volatile periods.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, suggest a wide range of potential future returns for this portfolio. The median projection shows a substantial increase, but it's important to remember that these simulations are based on past performance, which is not a reliable indicator of future results. The high number of simulations with positive returns, however, does suggest a generally optimistic outlook.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

With 90% of the portfolio allocated to stocks, the emphasis is on capital growth through equity investments. The 10% allocation to precious metals serves as a non-correlated asset class, potentially reducing overall portfolio volatility and providing a hedge against inflation. This blend of growth-oriented and defensive assets aligns with a balanced risk profile, though the heavy reliance on equities suggests a tilt towards growth.

Sectors Info

  • Technology
    32%
  • Consumer Discretionary
    10%
  • Telecommunications
    9%
  • Health Care
    8%
  • Consumer Staples
    8%
  • Financials
    7%
  • Industrials
    6%
  • Energy
    5%
  • Utilities
    1%
  • Basic Materials
    1%
  • Real Estate
    1%

The sectoral allocation reveals a technology-heavy portfolio, accounting for 32% of the total. Other significant allocations include consumer cyclicals, communication services, and healthcare. This concentration in tech and growth-oriented sectors suggests an expectation for higher returns, albeit with potentially higher volatility. Diversification across a broader range of sectors could mitigate sector-specific risks.

Regions Info

  • North America
    89%
  • Europe Developed
    1%

With 89% of assets allocated to North America, the portfolio has a strong home-country bias. This concentration in the US market may limit exposure to potential growth in international markets and increase susceptibility to domestic economic fluctuations. Expanding geographic diversification could enhance the portfolio's growth potential and resilience against regional downturns.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    35%
  • Mid-cap
    17%
  • No data
    5%
  • Small-cap
    2%

The portfolio's focus on mega and big-cap stocks, which together constitute 70% of the allocation, suggests a preference for established, lower-volatility companies. However, the limited exposure to small and micro-cap stocks may reduce opportunities for higher growth rates. Considering a more balanced market cap distribution could enhance returns while managing risk.

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, there may be opportunities to optimize the risk-return profile of the portfolio by adjusting the asset allocation. While the current setup offers a favorable balance between risk and return, exploring different combinations of assets could potentially achieve a more efficient portfolio, maximizing returns for a given level of risk.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.39%

The portfolio generates a total dividend yield of 1.39%, with the Schwab U.S. Dividend Equity ETF contributing significantly to this income. This yield provides a steady income stream and can contribute to overall returns, particularly in volatile or bear markets. The focus on dividend-yielding investments is consistent with a balanced investment strategy, offering both growth potential and income.

Ongoing product costs Info

  • SPDR® Gold Shares 0.40%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • iShares Silver Trust 0.50%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.11%

The portfolio's total expense ratio (TER) is remarkably low at 0.11%, which is advantageous for long-term growth as lower costs directly translate to higher net returns. This cost-efficiency is a strong aspect of the portfolio, ensuring that investors retain a greater portion of their returns.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey