This portfolio has only about 1.9 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.

A growth tilted diversified portfolio with strong US focus and a speculative satellite allocation

Report created on Nov 21, 2024

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This portfolio is built mainly from broad stock index ETFs with a 40% core in a large US index, 30% in a broad international fund, plus satellite positions in small‑cap value, a tech‑heavy growth index, and bitcoin. Cash is minimal, and there are no bonds, which makes this more growth‑oriented than a typical “balanced” mix. A core‑satellite structure like this is common: low‑cost broad funds as the foundation, with smaller tilts toward specific themes. This setup is generally aligned with modern portfolio practices, but the lack of defensive assets means swings can be larger. Tightening the roles of each holding and clarifying what’s “core” versus “speculative” could sharpen the strategy.

Growth Info

Historically, this mix has done extremely well: a 22.12% compound annual growth rate (CAGR) is very high. CAGR is like your average yearly “speed” over a long road trip, smoothing out bumps along the way. A max drawdown of -18.11% means the largest peak‑to‑trough drop was noticeable but not extreme for an equity‑heavy portfolio. Only 14 days creating 90% of returns highlights how a handful of strong days drove performance, which is typical for stock markets. This history is encouraging, but it also reflects an unusually strong run for US large‑cap and growth assets, so it’s wise not to assume this pace will continue indefinitely.

Projection Info

The Monte Carlo analysis shows a wide range of potential future outcomes, with median growth looking extremely strong and even the lower‑end scenarios still positive. Monte Carlo simulations take past return and volatility patterns, then run thousands of random “what if” market paths to see where a portfolio might land. The 5th percentile result suggests tough scenarios can still end well, while the 50th and 67th percentiles show how powerful compounding could be in favorable environments. However, these models lean heavily on historical data, which may not repeat—especially for high‑growth and speculative holdings. Treat these numbers as rough guideposts rather than promises, and check that the downside paths still feel emotionally livable.

Asset classes Info

  • Stocks
    89%
  • Other
    10%
  • Cash
    1%

Asset‑class exposure is almost entirely in stocks (89%), with a small 1% cash buffer and about 10% in “other,” primarily bitcoin. Compared with a classic balanced portfolio, which often holds 40–60% in bonds or other defensive assets, this is closer to an aggressive equity profile. Being mostly in stocks is powerful for long‑term growth but can mean much larger swings during market stress. The “other” bucket adds extra risk and uncertainty because its behavior can differ sharply from stocks. The classification of “highly diversified” is accurate within equities, but not across all asset classes. Anyone wanting smoother rides might consider gradually layering in some stabilizing assets without disrupting the core growth engine.

Sectors Info

  • Technology
    26%
  • Financials
    14%
  • Consumer Discretionary
    11%
  • Industrials
    9%
  • Telecommunications
    8%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is broad: tech around a quarter of the portfolio, then healthy allocations to financials, consumer cyclicals, industrials, communications, and smaller slices of defensives and utilities. This setup is well‑aligned with common global benchmarks, which is a good sign for diversification. However, the added NASDAQ‑100 tilt increases reliance on growth and tech‑related earnings. Tech‑heavy mixes tend to shine when rates are stable or falling and growth expectations are strong, but they can get hit harder during rate spikes or recessions. The sector spread overall is strong; the main question is whether the growth tilt is intentional. If the aim is steadier behavior, trimming some growth concentration could reduce sensitivity to tech‑driven cycles.

Regions Info

  • North America
    62%
  • Europe Developed
    11%
  • Asia Emerging
    5%
  • Japan
    5%
  • Asia Developed
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 62% is in North America, with the rest spread across Europe, Japan, other developed Asia, and small exposures to emerging regions. This pattern is broadly consistent with many US‑based portfolios and not far off from common global benchmarks, which often lean heavily toward the US by market size. The alignment with global weights is a real plus for diversification and simplicity. However, a strong US tilt means results are tied closely to US policy, currency, and economic cycles. Maintaining the robust international slice helps offset that. Periodically checking whether the US share has drifted too high due to outperformance can keep the global balance in line with long‑term goals.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    26%
  • Mid-cap
    13%
  • Small-cap
    6%
  • Micro-cap
    5%

The market‑cap mix is dominated by mega and large companies, with decent midsize exposure and meaningful small and micro slices, especially thanks to the small‑cap value fund. This pattern is similar to broad market indexes, but with an extra tilt toward smaller, cheaper‑priced companies, which historically have sometimes delivered higher returns with bumpier rides. That tilt is a thoughtful way to diversify away from pure mega‑cap growth dominance. Big companies tend to be more stable, while smaller names can move more sharply in both directions. The current blend looks intentional and well‑structured. Keeping the small‑cap tilt at a size that doesn’t overwhelm long‑term comfort during downturns is the key consideration here.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Invesco NASDAQ 100 ETF
    High correlation

Within the portfolio, the large US index ETF and the NASDAQ‑focused ETF are highly correlated, meaning they tend to move very similarly. Correlation is a measure of how often things go up and down together; when it’s high, adding more of a similar asset doesn’t buy much extra diversification. The core US fund already holds many of the same large growth names contained in the NASDAQ exposure, so this overlap mainly amplifies a theme rather than spreading risk. If the goal is diversification, shifting some of that overlapping slice into assets that behave differently could smooth the ride. If the goal is to lean into growth, keeping the tilt but sizing it carefully makes sense.

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.

From a risk‑return standpoint, this portfolio sits firmly on the growthy side of the spectrum, with room to fine‑tune along the Efficient Frontier. The Efficient Frontier is the set of allocations that give the best possible trade‑off between risk (volatility) and expected return using the existing ingredients. Here, the overlapping large US and NASDAQ funds suggest some redundancy: similar risk without commensurate diversification. Rebalancing between current holdings—rather than adding new ones—could nudge the mix closer to that efficient line. It’s also worth weighing how much of the bitcoin and small‑cap value slice feels appropriate, since those drive both upside potential and downside swings within the current opportunity set.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.46%

The portfolio’s total yield around 1.46% is modest, which is normal for a growth‑oriented, equity‑heavy mix. Dividends are the cash payments companies make to shareholders, acting like a small “paycheck” on top of price changes. The international fund carries the highest yield among holdings, helping slightly to offset the low payouts from growth and tech names. For investors focused on total return rather than income, this setup is sensible: more of the return is expected from price appreciation. However, the downside is less natural cash flow in downturns. Anyone wanting more income could gradually tilt toward slightly higher yielding stock funds while keeping costs low and not sacrificing diversification.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Bitcoin Trust 0.12%
  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.08%

Costs are impressively low, with a total expense ratio near 0.08%. Expense ratios are like a small yearly membership fee charged as a percentage of assets; the lower they are, the more of the market’s return stays in your pocket. This level of cost efficiency is a major strength and strongly aligned with best practices for long‑term investing. Even a 0.5% difference in fees can compound into a large gap over decades, so being down in the single‑basis‑point range is powerful. The slightly higher fee on the small‑cap value fund is normal for that style and still reasonable. The overall fee picture needs no big changes—just occasional monitoring for cheaper, comparable options over time.

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