This portfolio has only about 10 months of historical data, based on the youngest asset in your portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

High income equity focused portfolio with strong quality tilt and efficient conservative level risk

Report created on Mar 24, 2026

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

Conservative Investors

An investor who fits this kind of setup is typically income‑oriented, comfortable with stock market exposure, and thinking in multi‑year horizons. They may prioritize strong, regular cash flow—perhaps to supplement salary, support semi‑retirement, or reinvest distributions—while still wanting meaningful growth above inflation. Risk tolerance is moderate: they can handle market swings but don’t want the full rollercoaster of aggressive growth stocks or heavy small‑cap exposure. They’re usually okay with a US‑centric core, yet appreciate some global diversification and sector balance. This type of investor often prefers systematic, rules‑based income strategies over picking individual names, while accepting that a high yield and equity focus means values will fluctuate, especially during broad market sell‑offs.

Positions

The portfolio is built almost entirely from equity and equity‑linked income funds, with a clear focus on high distributions. Around 72% sits in stocks via ETFs and funds, plus a direct 10% position in Main Street Capital, while a small slice is cash or not classified. Two 20% positions in option‑based US large‑cap strategies form the core, supported by global infrastructure, international dividends, a gold income sleeve, and an additional US equity income ETF. Structurally, this is a concentrated but coherent “high income equity” setup. For someone aiming to live off portfolio cash flow, this sort of structure can be attractive, but the heavy reliance on equities means market volatility still matters a lot.

Growth Info

Over the recent period, a hypothetical $1,000 grew to $1,151, giving a compound annual growth rate (CAGR) of 18.21%. CAGR is the “average speed” of growth per year, smoothing out ups and downs. That’s ahead of both the US market (15.06%) and global market (16.74%) over the same time. Max drawdown, the worst peak‑to‑trough fall, was -7.36%, slightly worse than US but milder than global markets. The fact that 90% of returns came in just 10 days shows returns are lumpy; missing a few strong days could change the picture. This is strong performance, but the short history means it shouldn’t be assumed going forward.

Projection Info

The Monte Carlo projection uses the portfolio’s past return and volatility to simulate 1,000 possible 10‑year paths for a $1,000 investment. Think of it as rolling the dice many times based on historical behavior to see a range of outcomes, not a single forecast. The median outcome (50th percentile) suggests a cumulative return of around 1,119%, with even the 5th percentile at about 354%. That translates to an average simulated annual return of roughly 20%. However, this is based on less than two years of history, which makes the inputs fragile; if today’s environment doesn’t persist, results could differ dramatically. It’s helpful for framing possibilities, but not something to bank long‑term plans on blindly.

Asset classes Info

  • Stocks
    72%
  • Cash
    2%
  • Not classified
    1%

By asset class, the portfolio is overwhelmingly equity‑driven, with 72% in stocks and only a small 2% cash buffer. There’s effectively no meaningful allocation to traditional stabilizers like core bonds, which is unusual for a conservative risk profile. Equity income strategies can feel “defensive” because of their yield and option overlays, but they still take their cues from stock markets. This makes the ride smoother than pure growth stocks in some scenarios, yet sharp equity sell‑offs will still hit overall value. For truly capital‑preservation‑focused investors, mixing in more low‑volatility asset classes could reduce swings. As it stands, the setup is conservative mostly relative to other equity portfolios, not relative to multi‑asset mixes that include sizeable bond exposure.

Sectors Info

  • Technology
    20%
  • Financials
    17%
  • Telecommunications
    7%
  • Consumer Discretionary
    6%
  • Industrials
    6%
  • Health Care
    5%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    1%

Sector exposure is broad, with 10 sectors represented, but there are clear tilts. Technology is the largest at 20%, followed by financial services at 17%, then communication services at 7%. The rest is spread across cyclicals, industrials, healthcare, consumer defensive, energy, materials, utilities, and a bit of real estate. Compared to common large‑cap benchmarks, this is somewhat more balanced, with less extreme tech dominance thanks to the income and infrastructure angles. Still, a 20% tech weight means sensitivity to growth‑oriented companies and interest‑rate dynamics. Sector diversification is a positive here: it helps reduce the chance that a single industry shock derails the whole portfolio, even though overall equity risk remains the main driver of performance.

Regions Info

  • North America
    63%
  • Europe Developed
    5%
  • Latin America
    2%
  • Asia Developed
    1%
  • Asia Emerging
    1%
  • Japan
    1%
  • Africa/Middle East
    1%

Geographically, about 63% of exposure is in North America, with smaller slices in developed Europe, Latin America, Japan, and both developed and emerging Asia, plus a modest allocation to Africa/Middle East. That’s still a clear US‑led profile, but more diversified than a pure domestic portfolio and not overly concentrated in any single foreign region. Versus global benchmarks, this keeps a home‑bias tilt while meaningfully incorporating international equities through the dividend and infrastructure sleeves. This alignment is generally healthy: it taps into global growth and different economic cycles without straying too far from a familiar US core. The trade‑off is that returns and currency risk will still be dominated by US market behavior.

Market capitalization Info

  • Mega-cap
    30%
  • Large-cap
    23%
  • Mid-cap
    19%

Market capitalization exposure is skewed toward larger companies: roughly 30% mega‑cap and 23% big‑cap, with 19% in mid‑caps. That means more than half the portfolio sits in very large, often well‑established firms. Larger companies tend to be more stable and liquid, with more predictable earnings, which aligns nicely with the quality and low‑volatility tilts in this setup. The smaller slice in mid‑caps adds some growth and dynamism without leaning heavily into the more volatile small‑cap space. For an income‑oriented, conservative equity profile, this cap structure is quite sensible, helping smooth out some bumps while still participating in equity upside. It also mirrors many broad benchmarks, which is a good sign for diversification.

True holdings Info

  • Main Street Capital Corporation
    10.00%
  • NVIDIA Corporation
    3.40%
    Part of fund(s):
    • JPMorgan Equity Premium Income ETF
    • NEOS Nasdaq 100 High Income ETF
    • SHP ETF Trust - NEOS S&P 500 High Income ETF
  • Apple Inc
    2.91%
    Part of fund(s):
    • JPMorgan Equity Premium Income ETF
    • NEOS Nasdaq 100 High Income ETF
    • SHP ETF Trust - NEOS S&P 500 High Income ETF
  • Microsoft Corporation
    2.31%
    Part of fund(s):
    • JPMorgan Equity Premium Income ETF
    • NEOS Nasdaq 100 High Income ETF
    • SHP ETF Trust - NEOS S&P 500 High Income ETF
  • Amazon.com Inc
    1.75%
    Part of fund(s):
    • JPMorgan Equity Premium Income ETF
    • NEOS Nasdaq 100 High Income ETF
    • SHP ETF Trust - NEOS S&P 500 High Income ETF
  • Alphabet Inc Class A
    1.49%
    Part of fund(s):
    • JPMorgan Equity Premium Income ETF
    • NEOS Nasdaq 100 High Income ETF
    • SHP ETF Trust - NEOS S&P 500 High Income ETF
  • Meta Platforms Inc.
    1.30%
    Part of fund(s):
    • JPMorgan Equity Premium Income ETF
    • NEOS Nasdaq 100 High Income ETF
    • SHP ETF Trust - NEOS S&P 500 High Income ETF
  • Broadcom Inc
    1.27%
    Part of fund(s):
    • JPMorgan Equity Premium Income ETF
    • NEOS Nasdaq 100 High Income ETF
    • SHP ETF Trust - NEOS S&P 500 High Income ETF
  • Alphabet Inc Class C
    1.16%
    Part of fund(s):
    • NEOS Nasdaq 100 High Income ETF
    • SHP ETF Trust - NEOS S&P 500 High Income ETF
  • Tesla Inc
    1.13%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • NEOS Nasdaq 100 High Income ETF
    • SHP ETF Trust - NEOS S&P 500 High Income ETF
  • Top 10 total 26.73%

Looking through the funds, coverage of underlying holdings is about 61%, so the picture is partial but still useful. The direct 10% stake in Main Street Capital stands out as a single‑name risk, though it does not reappear meaningfully inside the ETFs. The largest underlying exposures beyond that are the mega‑cap US tech and growth names (NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Broadcom, Tesla) via the income ETFs. Because these names often sit in multiple products, there is meaningful hidden concentration at the company level. Overlap is likely understated because only ETF top‑10 holdings are captured, so actual exposure to these giants may be higher than shown, increasing dependence on a relatively small group of stocks.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 10%
Size
Exposure to smaller companies
Low
Data availability: 20%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Very high
Data availability: 10%
Yield
Preference for dividend-paying stocks
Very high
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Very high
Data availability: 55%

Factor exposure shows strong tilts toward quality, low volatility, and yield, with moderate value and momentum and some tilt to larger size. Factors are like underlying “personality traits” of the portfolio that help explain its behavior; for example, high yield emphasizes income payers, while low volatility seeks steadier names. High quality and low volatility tilts typically cushion downside in rough markets and reduce sharp swings, which fits the conservative objective. Strong yield exposure, reflected in the near 11% total yield, means a large share of returns will come from cash distributions rather than pure price growth. Signal coverage is only about 49%, so these readings aren’t perfect, but overall the factor mix is well aligned with a defensive, income‑first approach.

Risk contribution Info

  • NEOS Nasdaq 100 High Income ETF
    Weight: 20.00%
    21.7%
  • Amplify International Enhanced Dividend Income ETF
    Weight: 15.00%
    19.6%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF
    Weight: 20.00%
    16.7%
  • Aberdeen Standard Global Infrastructure Income Fund
    Weight: 15.00%
    14.3%
  • Main Street Capital Corporation
    Weight: 10.00%
    12.4%
  • Top 5 risk contribution 84.7%

Risk contribution measures how much each holding adds to the portfolio’s total ups and downs, which can differ from its weight. Here, the NEOS Nasdaq 100 High Income ETF (20% weight) contributes about 21.7% of risk, and the Amplify International Enhanced Dividend ETF (15% weight) contributes 19.6%. Their risk‑to‑weight ratios above 1 show they are slightly more volatile than their size alone would suggest. The S&P 500 high income ETF and the infrastructure fund contribute slightly less risk than their weights. The top three positions together drive about 58% of total portfolio risk, signaling meaningful concentration. Adjusting position sizes can help align risk with intent, especially if any holding’s risk share feels uncomfortably high.

Redundant positions Info

  • NEOS Nasdaq 100 High Income ETF
    SHP ETF Trust - NEOS S&P 500 High Income ETF
    High correlation

Correlation describes how assets move relative to each other: a correlation of 1 means they usually move together, while 0 means they’re largely independent. The NEOS Nasdaq 100 High Income and NEOS S&P 500 High Income ETFs are flagged as highly correlated, which makes sense given both target US large‑cap equity with an options overlay. High correlation limits diversification benefits; when one drops, the other often does too. The rest of the portfolio adds some diversification via global dividends, infrastructure, gold income, and a BDC, but equities still dominate the risk profile. This correlation pattern is typical for income‑oriented equity portfolios, but it does mean that in a broad equity downturn, most parts are likely to move down together.

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.

On the risk‑return chart, the current portfolio lies directly on the efficient frontier, meaning it already achieves a strong balance between risk and expected return given the chosen holdings. The Sharpe ratio, which measures return per unit of risk, is a healthy 1.72. The optimal mix on the frontier has a higher Sharpe ratio of 2.23 but also more volatility, while the minimum variance mix reduces risk further at the cost of return. A same‑risk optimized portfolio could, in theory, deliver higher expected return but with significantly higher risk, so it’s a different trade‑off. Overall, this allocation is efficient for a conservative equity‑income profile, and any tweaks would mainly reflect personal comfort with risk and concentration.

Dividends Info

  • Aberdeen Standard Global Infrastructure Income Fund 11.10%
  • Amplify International Enhanced Dividend Income ETF 5.50%
  • JPMorgan Equity Premium Income ETF 8.40%
  • Main Street Capital Corporation 7.20%
  • NEOS Nasdaq 100 High Income ETF 15.90%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 13.40%
  • NEOS Gold High Income ETF 10.70%
  • Weighted yield (per year) 10.98%

The portfolio’s standout feature is its very high indicated yield of roughly 10.98%. Several holdings have double‑digit distribution rates, led by the NEOS Nasdaq 100 and S&P 500 high income ETFs, plus the gold income ETF and infrastructure fund. Dividend yield is the annual cash paid out relative to price; it’s crucial for investors seeking regular income rather than just long‑term growth. Such a high overall yield can support meaningful withdrawals without always needing to sell shares, which many income‑focused investors appreciate. The trade‑off is that part of this yield comes from options strategies and potentially variable payouts, so distributions are not guaranteed and can fluctuate with market conditions and fund policies.

Ongoing product costs Info

  • Amplify International Enhanced Dividend Income ETF 0.66%
  • JPMorgan Equity Premium Income ETF 0.35%
  • NEOS Nasdaq 100 High Income ETF 0.68%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 0.68%
  • Weighted costs total (per year) 0.41%

The weighted average total expense ratio (TER) of about 0.41% is very reasonable for an actively structured, options‑focused income portfolio. Individual ETF fees range from 0.35% to 0.68%, which is on the higher side versus plain index funds but normal for more complex income strategies. Costs matter because they come off returns every year, like a small headwind you’re always running against. At this level, fees are unlikely to be the main drag on results, especially given the elevated yield. The costs are impressively low considering the portfolio’s specialized approach, which supports better long‑term performance compared to many high‑income strategies that often charge significantly higher ongoing fees.

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