A balanced and highly diversified portfolio with a strong focus on momentum and high-dividend yields

Report created on Nov 24, 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 showcases a strategic emphasis on Exchange-Traded Funds (ETFs), representing a mix of momentum, high-dividend yields, and credit opportunities. With 50% allocated to a S&P 500 Momentum ETF, it leans heavily towards stocks showing strong recent performance. The inclusion of a high-dividend yield international fund and a credit opportunities ETF diversifies income sources, while the American Century ETF Trust adds a layer of growth potential. This composition indicates a balanced approach, blending growth with income, and demonstrates a high level of diversification across asset classes and sectors.

Growth Info

Historically, the portfolio has delivered a Compound Annual Growth Rate (CAGR) of 23.43%, with a maximum drawdown of -15.73%. These figures suggest strong performance, albeit with periods of significant value decline. The days contributing most to returns highlight the portfolio's vulnerability to short-term volatility but also its ability to recover and capitalize on market movements. Compared to benchmarks, this performance might be considered robust, especially in growth-oriented phases of the market cycle.

Projection Info

Utilizing Monte Carlo simulations, the forward projection offers a range of possible outcomes based on historical data. While past performance isn't indicative of future results, the simulations suggest a bullish outlook, with all simulations yielding positive returns. The 50th percentile outcome suggests more than a tenfold increase in portfolio value, underlining the portfolio's potential for significant growth, albeit with inherent risks tied to its aggressive growth strategy.

Asset classes Info

  • Stocks
    85%
  • Bonds
    15%

The portfolio's asset allocation leans heavily towards stocks (85%), with a smaller allocation in bonds (15%). This mix supports a growth-oriented strategy while providing a cushion against market volatility through fixed-income securities. The absence of cash or alternative investments could limit flexibility in rapidly changing markets but is consistent with a long-term growth focus. Comparing this allocation to typical balanced portfolios, it's slightly more aggressive, given the higher stock concentration.

Sectors Info

  • Technology
    21%
  • Financials
    20%
  • Industrials
    10%
  • Telecommunications
    9%
  • Consumer Discretionary
    7%
  • Consumer Staples
    5%
  • Energy
    4%
  • Health Care
    3%
  • Utilities
    3%
  • Basic Materials
    3%
  • Real Estate
    1%

Sector allocation reveals a strong emphasis on Technology and Financial Services, constituting over 40% of the portfolio. This concentration in sectors known for volatility and high growth potential may increase the portfolio's risk-reward profile. The diversification across ten sectors, however, mitigates sector-specific risks, although the relatively lower allocations to defensive sectors like Healthcare and Utilities could limit downside protection during market downturns.

Regions Info

  • North America
    64%
  • Europe Developed
    9%
  • Japan
    4%
  • Asia Emerging
    3%
  • Asia Developed
    2%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic exposure is predominantly North American (64%), with meaningful allocations in developed Europe and Japan. This distribution suggests a focus on established markets, potentially limiting exposure to emerging market volatility but also to their growth opportunities. The portfolio's international diversification, though, enhances its ability to capture global growth trends and reduces the risk of over-reliance on any single economy.

Market capitalization Info

  • Mega-cap
    32%
  • Large-cap
    30%
  • Mid-cap
    15%
  • Small-cap
    4%
  • Micro-cap
    2%

The market capitalization breakdown shows a balanced approach, with a slight tilt towards mega and large-cap stocks, which comprise 62% of the portfolio. This bias towards larger, more established companies may support portfolio stability and provide consistent dividends. However, the relatively smaller allocation to small and micro-cap stocks could mean missed opportunities in high-growth segments of the market.

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 Efficient Frontier analysis suggests that the portfolio could be optimized for a slightly higher expected return of 7.04% at the same risk level. This indicates room for improvement in asset allocation to achieve a more favorable risk-return balance. Adjusting the portfolio to align more closely with the Efficient Frontier could enhance long-term performance without necessarily increasing risk, a key consideration for balanced investors seeking growth with moderate risk tolerance.

Dividends Info

  • American Century ETF Trust 2.10%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 5.50%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 3.90%
  • Weighted yield (per year) 2.18%

The portfolio's dividend yield stands at an average of 2.18%, with notable contributions from the high-dividend yield international fund and the credit opportunities ETF. This yield, combined with the growth potential from the momentum ETF, provides a balanced approach to income and capital appreciation. The dividends offer a steady income stream, which can be particularly valuable in market downturns or for investors seeking regular income.

Ongoing product costs Info

  • American Century ETF Trust 0.26%
  • Janus Detroit Street Trust - Janus Henderson AAA CLO ETF 0.21%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Weighted costs total (per year) 0.18%

With a Total Expense Ratio (TER) averaging 0.18%, the portfolio is cost-efficient, enhancing its long-term growth potential by minimizing the drag on performance due to fees. The individual ETF costs range from 0.13% to 0.26%, which are reasonable for the diversification and management expertise they offer. Keeping costs low is crucial for maximizing returns, especially in a balanced portfolio where the goal is steady, long-term growth.

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