Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

A balanced and diversified portfolio with a strong tilt towards technology and US markets

Report created on Jun 14, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio exhibits a balanced mix of equity and fixed-income assets, with a notable emphasis on US equities and technology. The allocation includes broad market ETFs, specific sector ETFs, and individual technology stocks, creating a foundation for growth while maintaining some level of income through bond ETFs. This composition aligns with a strategy that seeks to capitalize on the long-term growth of the stock market while using bonds to mitigate volatility. However, the presence of overlapping assets, particularly within the S&P 500 and total stock market ETFs, suggests an opportunity to streamline the portfolio for efficiency.

Growth Info

Historically, the portfolio has demonstrated strong performance with a compound annual growth rate (CAGR) of 17.13%. However, it's important to recognize the significant maximum drawdown, indicating potential high volatility during market downturns. The days contributing most to returns are relatively few, highlighting the impact of short-term gains on overall performance. While past success is encouraging, it's crucial to consider the balance between risk and return, ensuring it aligns with your investment goals and risk tolerance.

Projection Info

Monte Carlo simulations suggest a wide range of potential future outcomes, with a median projected return significantly higher than historical averages. This optimistic projection is based on past market behavior and does not guarantee future performance. It's essential to understand that while simulations can provide insight into potential risks and returns, they rely on historical data, which may not accurately predict future market conditions. Diversification and regular portfolio reviews remain key strategies for mitigating risk.

Asset classes Info

  • Stocks
    84%
  • Bonds
    15%
  • Cash
    1%

The portfolio's asset allocation leans heavily towards stocks (84%), with a smaller allocation in bonds (15%) and a minimal cash position (1%). This distribution supports a growth-oriented strategy but may expose the portfolio to higher market volatility. Comparing this allocation to a balanced benchmark, there's an opportunity to assess whether the current risk level is appropriate or if adjustments to the bond allocation could provide better risk-adjusted returns, especially during market downturns.

Sectors Info

  • Technology
    33%
  • Financials
    11%
  • Industrials
    9%
  • Consumer Discretionary
    7%
  • Health Care
    7%
  • Telecommunications
    6%
  • Consumer Staples
    4%
  • Energy
    2%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    2%

With a third of the portfolio concentrated in technology, there's a clear sector bias that could impact performance during sector-specific downturns. While technology has been a strong performer, diversification across sectors can help mitigate risk. The portfolio also includes a mix of other sectors like financial services and industrials, but these are significantly less weighted. Considering rebalancing to reduce tech exposure and increase allocations in underrepresented sectors may enhance long-term stability.

Regions Info

  • North America
    69%
  • Europe Developed
    6%
  • Asia Developed
    3%
  • Asia Emerging
    3%
  • Japan
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

The geographic allocation heavily favors North America (69%), with modest exposure to developed and emerging markets outside the US. This concentration may limit global diversification benefits and expose the portfolio to region-specific risks. Expanding into underrepresented regions could offer new growth opportunities and reduce the portfolio's vulnerability to US market fluctuations.

Market capitalization Info

  • Mega-cap
    36%
  • Large-cap
    33%
  • Mid-cap
    12%
  • Small-cap
    2%
  • Micro-cap
    1%

The portfolio's market capitalization exposure is skewed towards mega (36%) and big (33%) cap stocks, supporting stability and growth potential. However, the limited exposure to medium, small, and micro-cap stocks suggests a missed opportunity for higher growth (albeit with increased risk). Considering a more balanced approach to market cap exposure could introduce new growth vectors and diversification benefits.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard S&P 500 Growth Index Fund ETF Shares
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation among the S&P 500 ETFs and the Total Stock Market ETF indicates redundancy, which may not contribute significantly to diversification. This overlap suggests that the portfolio could be streamlined by consolidating these positions, potentially freeing up capital for investments in underrepresented asset classes or sectors, thereby enhancing overall portfolio efficiency without increasing 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.

Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

Optimizing the portfolio using the Efficient Frontier suggests potential for higher returns at the same level of risk. This involves reducing redundancy among correlated assets and possibly reallocating to underrepresented sectors or regions. Such adjustments aim to achieve a more efficient risk-return profile without necessarily increasing the portfolio's overall risk. Regularly revisiting asset allocation in light of evolving market conditions and personal investment goals is advisable.

Dividends Info

  • Vanguard Total International Bond Index Fund ETF Shares 4.30%
  • Techtronic Industries Ltd ADR 1.20%
  • Vanguard Long-Term Treasury Index Fund ETF Shares 4.50%
  • Vanguard S&P 500 ETF 1.30%
  • Vanguard S&P 500 Growth Index Fund ETF Shares 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.30%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.74%

The portfolio's dividend yield contributes to its total return, offering a blend of growth and income. With a total yield of 1.74%, it provides a steady income stream, which is particularly beneficial in volatile markets. However, the focus on growth-oriented assets, especially tech stocks and ETFs, means the yield is relatively modest. Investors might consider if increasing exposure to higher-yielding assets could offer a better balance between income and growth, depending on their income needs and investment horizon.

Ongoing product costs Info

  • Vanguard Total International Bond Index Fund ETF Shares 0.07%
  • Vanguard Long-Term Treasury Index Fund ETF Shares 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard S&P 500 Growth Index Fund ETF Shares 0.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

The portfolio benefits from low overall costs, with a total expense ratio (TER) averaging 0.04%. Low costs are crucial for long-term investment success, as they directly enhance net returns. The selection of low-cost ETFs demonstrates a cost-effective approach to investing. Continuing to prioritize cost efficiency when making future investment decisions will support the portfolio's performance over time.

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