A globally tilted balanced portfolio with strong income and notable concentration in thematic growth areas

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.

What type of investor this portfolio is suitable for

Balanced Investors

This setup would suit someone with a moderate‑to‑higher risk tolerance who still values having a meaningful safety cushion. Think of an investor aiming for strong long‑term growth, comfortable with seeing the portfolio swing in value, but not eager to experience extreme drawdowns. A typical horizon would be at least 7–15 years, possibly longer, where short‑term dips are acceptable in pursuit of higher overall wealth. They might be interested in themes like innovation, defense, and resources while also wanting broad global exposure and some inflation protection. Regular income from dividends and yield is a plus, but capital growth remains the main goal, supported by a disciplined rebalancing and risk‑management approach.

Positions

  • iShares® 0-3 Month Treasury Bond ETF
    SGOV - US46436E7186
    21.12%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    VEA - US9219438580
    10.60%
  • iShares MSCI Emerging Markets ETF
    EEM - US4642872349
    10.54%
  • Global X Uranium ETF
    URA - US37954Y8710
    10.50%
  • iShares® Gold Trust Micro
    IAUM - US46436F1030
    9.97%
  • Energy Select Sector SPDR® Fund
    XLE - US81369Y5069
    8.35%
  • Rocket Lab USA Inc.
    RKLB - US7731221062
    6.75%
  • iShares U.S. Aerospace & Defense ETF
    ITA - US4642887602
    6.33%
  • Alibaba Group Holding Ltd
    BABA - US01609W1027
    6.10%
  • Uber Technologies Inc
    UBER - US90353T1007
    5.15%
  • Novo Nordisk A/S
    NVO - US6701002056
    4.59%

This portfolio mixes about 69 percent in stocks with roughly 20 percent in ultra‑short treasuries and a small bond slice, which fits a “balanced but growth‑leaning” profile. Compared with a typical balanced benchmark that might hold closer to 40 percent in bonds and cash, this setup leans more into equities and risk assets while still keeping a solid liquidity cushion. That short‑term Treasury piece can act like a parking lot for dry powder and a shock absorber in sell‑offs. Keeping the equity share near current levels while deciding whether that cash‑like bucket should be gradually redeployed or preserved for future buying opportunities can help clarify how aggressively the portfolio should pursue growth.

Growth Info

Historically, a 17.48 percent CAGR (Compound Annual Growth Rate) means that 10,000 dollars growing at the same pace would have turned into roughly 49,000 over ten years, assuming the pattern continued. That is well above what many broad market or balanced benchmarks typically deliver over long stretches. The max drawdown of around minus 21 percent is actually quite mild for that level of return, suggesting the risk taken has been compensated so far. Still, past returns are like looking in the rear‑view mirror: useful, but they do not predict the road ahead. Treat the strong track record as proof the approach can work, but not as a guarantee it will repeat.

Projection Info

The Monte Carlo analysis, which runs 1,000 random “what if” paths using historical return and volatility patterns, shows a very wide range of outcomes. A 5th percentile result around minus 52.6 percent highlights that in tougher scenarios the portfolio could more than halve, while the median and upper outcomes show very large gains. Monte Carlo is like simulating thousands of alternate financial timelines based on the past, so it still depends heavily on history behaving similarly. It is encouraging that most simulations were positive with a high average return, but it is wise to plan based on the tougher scenarios so that future drawdowns and volatility remain emotionally and financially manageable.

Asset classes Info

  • Stocks
    69%
  • Cash
    20%
  • Bonds
    1%
  • Other
    0%
  • No data
    0%

From an asset‑class lens, equities dominate, with stocks close to 70 percent and only a thin slice in traditional bonds, plus a sizeable ultra‑short Treasury component behaving more like cash. This mix explains why the risk score sits in the mid‑range: it is not all‑in equities, but it is more adventurous than many classic balanced allocations. The presence of gold and thematically focused ETFs adds extra diversification beyond plain stocks and bonds, which is helpful when different assets react differently to inflation, rates, or growth scares. Keeping some flexible, safe assets while occasionally stress‑testing how the portfolio would react if stocks dropped 30 percent can help fine‑tune whether the equity weight is truly comfortable.

Sectors Info

  • Industrials
    18%
  • Energy
    16%
  • Technology
    10%
  • Consumer Discretionary
    8%
  • Health Care
    6%
  • Financials
    5%
  • Basic Materials
    2%
  • Utilities
    2%
  • Telecommunications
    1%
  • Consumer Staples
    1%
  • Real Estate
    0%

Sector exposure is nicely spread, with notable allocations to industrials and energy and a meaningful slice in technology, plus healthcare, financials, and smaller pieces in other areas. This broad coverage means the portfolio is not overly dependent on a single part of the economy, which aligns well with diversified benchmark practices. Thematic tilts toward defense, energy, and uranium add a more cyclical and policy‑sensitive flavor: they can shine when governments and infrastructure spending pick up, but may be choppy during regulatory shifts or commodity downturns. Tech and consumer‑linked names add growth potential but can be sensitive to interest‑rate moves. Periodically checking whether any one theme has grown into an outsized share helps keep sector risk in check.

Regions Info

  • North America
    35%
  • Asia Developed
    12%
  • Europe Developed
    10%
  • Asia Emerging
    5%
  • Japan
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Europe Emerging
    0%

Geographically, there is a solid global spread: North America leads, but there is meaningful exposure to developed Europe, developed Asia, and emerging regions through both ETFs and individual holdings. This allocation is more international than many U.S.‑centric portfolios, which often have 60–70 percent in domestic equities, and that is a positive for diversification. International and emerging positions can lag for long periods but often improve overall risk‑adjusted results over full cycles because different regions peak at different times. At the same time, higher geopolitical and currency risks in emerging regions can amplify short‑term swings. Keeping a deliberate, written target range for U.S. versus non‑U.S. exposure helps decide when to rebalance rather than reacting emotionally to regional news.

Market capitalization Info

  • Large-cap
    30%
  • Mega-cap
    23%
  • Mid-cap
    10%
  • Small-cap
    5%
  • Micro-cap
    1%

By market capitalization, exposure is anchored in mega and large companies, with smaller slices in mid, small, and micro caps. This is quite similar to many global equity benchmarks, where the giants naturally dominate total market value. That structure is a strength because big, established firms tend to be more resilient in recessions, while the smaller names add some extra growth and diversification punch. Individual growth stocks and thematic ETFs introduce additional small and mid‑cap risk, which can boost returns but also make the ride bumpier. If volatility feels too high in the future, modestly shifting toward broader, large‑cap‑heavy funds over time can dial down risk without abandoning growth.

Dividends Info

  • Alibaba Group Holding Ltd 1.30%
  • iShares MSCI Emerging Markets ETF 2.10%
  • iShares U.S. Aerospace & Defense ETF 0.50%
  • Novo Nordisk A/S 3.90%
  • iShares® 0-3 Month Treasury Bond ETF 4.00%
  • Global X Uranium ETF 4.20%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 3.10%
  • Energy Select Sector SPDR® Fund 2.80%
  • Weighted yield (per year) 2.36%

The total yield around 2.36 percent is a nice bonus on top of the growth focus, particularly given the presence of both income‑oriented ETFs and dividend‑paying individual stocks. Yield is the annual cash payment as a percentage of portfolio value, like rent from owning a property. This level of income can help offset volatility and provide optional cash flow without needing to sell holdings during downturns. At the same time, chasing very high yields can sometimes mean taking on hidden risks, like exposure to more cyclical or leveraged companies. Maintaining this moderate, diversified yield while prioritizing total return (income plus price growth) keeps the portfolio in a healthy, growth‑friendly posture.

Ongoing product costs Info

  • iShares MSCI Emerging Markets ETF 0.70%
  • iShares® Gold Trust Micro 0.09%
  • iShares U.S. Aerospace & Defense ETF 0.40%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • Global X Uranium ETF 0.69%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Energy Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.21%

The weighted expense ratio near 0.21 percent is impressively low for such a globally diversified and thematically flavored mix. Costs like fund expense ratios may seem small each year, but they compound over decades, just like returns do. Keeping fees below typical active‑fund levels means more of the portfolio’s growth stays in the account rather than going to providers. The slightly higher‑cost thematic and emerging‑markets funds are balanced by ultra‑low‑cost broad vehicles, which is a smart trade‑off. Continuing to favor low‑fee vehicles when adding or replacing positions and occasionally checking whether any higher‑cost funds are still pulling their weight helps sustain strong long‑term net performance.

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.

From a risk‑return optimization angle, this portfolio already sits in a reasonably efficient zone: high historic returns with controlled drawdowns and a mid‑range risk score. The Efficient Frontier is just a curve that shows the best possible trade‑off between risk (volatility) and return for a given set of holdings. Within the current lineup, shifting weights between cash‑like assets, broad global equities, and thematic tilts could potentially nudge the portfolio closer to that efficient edge, either by reducing volatility for the same return or aiming for higher return at similar risk. “Efficiency” here is purely about the math of risk versus reward, so personal goals, values, and income needs should still guide any major allocation changes.

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