A so called balanced portfolio that is actually an equity rocket with training wheels
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 suits someone who calls themselves “balanced” but secretly likes the thrill of an equity‑heavy ride. Think moderate risk tolerance on paper, higher tolerance in practice—at least until a -30% drawdown shows up on a statement. The ideal match is a long‑term, growth‑oriented investor who doesn’t need immediate income and is willing to stomach big swings for the chance of strong compounding. Time horizon should be comfortably 10+ years, with enough emotional discipline to not bail during crashes. It’s not for the truly conservative, nor for full‑blown gamblers—more like a closet growth investor who likes the comforting illusion of a sensible label.
Positions
-
iShares Core Equity Portfolio
XEQT - CA46436D1087 95.00% -
Enbridge Inc
ENB - CA29250N1050 5.00%
This setup is basically 95% one broad equity ETF plus a 5% Enbridge decoration on the side. Calling this "highly diversified" is like saying a wardrobe of 20 identical black t‑shirts is "varied." Yes, the ETF itself holds a lot of stuff, but at the top level the portfolio is one big equity bet with a tiny energy side quest. Compared with a typical balanced profile, which usually mixes a big chunk of bonds or defensive assets, this leans way more aggressive. If the label says “balanced” but the behavior screams “equity fund,” the fix is to actually add some non‑equity ballast instead of just another stock sticker.
Growth
Historically, a 14.79% CAGR (Compound Annual Growth Rate) is spicy. That’s “your money more than doubles in five years” territory. But it came with a -30.3% max drawdown, which is the polite way of saying "one nasty crash sliced nearly a third off temporarily." Compared with broad equity benchmarks, this looks roughly in line with a strong equity‑heavy portfolio, not a chill balanced one. Remember, past data is like yesterday’s weather: useful mood board, terrible crystal ball. The key takeaway: this thing wins when markets are happy but will absolutely punch you in the gut during bear markets, so the risk label is sugar‑coated.
Projection
Monte Carlo simulations basically remix history into 1,000 alternate futures, like a financial multiverse with spreadsheets. Your range from +123.8% (5th percentile) to +893.1% (67th) and 997 out of 1,000 ending positive screams “equities did great in the backtest, so the computer is now overly optimistic.” That 16.7% annualized projection is fantasy‑league level; real life tends to be messier and meaner. Simulations assume markets more or less behave like the past, which they famously don’t when it matters most. If planning for the future, it’s smarter to mentally haircut those projections, stress‑test ugly scenarios, and build more shock absorbers instead of relying on spreadsheet fairy tales.
Asset classes
- US Equity 40%
- Stocks 26%
- Stocks 5%
- Cash 1%
- Other 0%
Asset classes here are basically: equities, more equities, a tiny Enbridge equity, a token 1% cash, and a rounding‑error “other.” Bonds, real estate funds, alternatives? Missing like they forgot to show up to practice. For something labeled balanced, this is really an equity‑centric setup wearing a mild‑risk costume. When markets run, it’ll look genius; when they fall, there’s very little here that behaves differently. Asset classes are like different instruments in a band: this portfolio is 95% electric guitar, 1% triangle, zero drums. Bringing in true low‑volatility, income‑oriented assets would actually justify that balanced tag instead of relying on vibes.
Sectors
- Financials 20%
- Technology 19%
- Industrials 12%
- Energy 11%
- Basic Materials 8%
- Consumer Discretionary 8%
- Health Care 7%
- Telecommunications 6%
- Consumer Staples 4%
- Utilities 3%
- Real Estate 2%
Sector mix: Financials 20%, Tech 19%, Industrials 12%, Energy 11%, and the rest sprinkled like seasoning. So, no single “all‑in tech” addiction, but it’s very much a classic equity index diet: heavy financials and tech, with a notable energy tilt thanks to Enbridge and the underlying holdings. Compared to broad indexes, this isn’t insane, just slightly more blue‑chip cyclical than cuddly defensive. When financials, tech, and energy get hit together—as they tend to in real recessions—this will not feel “balanced” at all. To calm the ride, the next move would be nudging more into sectors that tend to hold up better in ugly macro environments rather than piling on what already dominates.
Regions
- North America 71%
- Europe Developed 15%
- Japan 6%
- Asia Developed 3%
- Asia Emerging 2%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 0%
- Europe Emerging 0%
Geographically, this is “Canada and friends” with 71% in North America, 15% Europe Developed, and token amounts in Japan and the rest of the world. Not a catastrophe, but definitely “home bias with a passport.” Latin America and Emerging Europe at 0% means you’re skipping some growth and diversification potential, though you’re also dodging some drama. Compared with global cap‑weighted benchmarks, this leans harder into North America than necessary. If the goal is resilience, not flag‑waving, dialing closer to a truly global mix—without going overboard—would help avoid having your fate overly tied to the moods of the US and Canadian markets.
Market capitalization
- Mega-cap 41%
- Large-cap 34%
- Mid-cap 18%
- Small-cap 5%
- Micro-cap 1%
Market cap spread is actually one of the saner aspects: 41% mega, 34% big, 18% mid, and just 6% in the small/micro circus. That’s basically "index‑like with training wheels." No wild 80% micro‑cap YOLO here, which is almost disappointing from a roasting perspective. Still, this means returns and risk are heavily driven by the big global names—great in stable times, but they’re also the first ones everyone dumps in panics. It’s fine structurally, but if someone truly wanted growth spice, they’d push small/mid a tad higher; if they wanted stability worthy of “balanced,” they’d pair those megacaps with more actual lower‑risk assets, not just more megacaps.
Dividends
- Enbridge Inc 1.30%
- iShares Core Equity Portfolio 0.20%
- Weighted yield (per year) 0.26%
Total yield around 0.26% is barely coffee money. Enbridge tries with 1.30%, but at 5% of the portfolio it’s like tipping a barista with pocket lint. This is a pure growth‑driven setup, not an income engine. That’s fine if the goal is long‑term compounding, but it’s laughably weak for anyone fantasizing about living off dividends. Also, chasing yield by just stuffing more high‑payout stocks into a portfolio this equity‑heavy would be like adding extra sugar to energy drinks—more buzz, more crash. If income ever becomes a real goal, it will take a meaningful shift toward assets designed for steady payouts, not just tweaking one lonely stock.
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 “efficiency” standpoint—meaning how much return you’re getting per unit of pain—this is basically a straight line along the equity curve, not a carefully crafted spot on the Efficient Frontier. The Efficient Frontier is just the nerdy graph that shows the best trade‑offs between risk and return; this portfolio says, “Eh, just give me more stocks.” You’re rewarded with strong growth historically, but you’re accepting much more volatility than a true balanced approach would require for a still pretty decent return. To clean this up, shifting a slice into genuinely low‑volatility, income‑oriented assets would push you closer to that smarter risk‑return sweet spot instead of maxing out the drama.
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