Consider reviewing your benchmark

One or more asset classification categories in your portfolio exceeds a 10% threshold difference from your selected benchmark.

Consider reviewing your benchmark to a benchmark that is more closely aligned to your portfolio and determine if another benchmark is more appropriate.

Fund-to-Fund Correlation

Your portfolio contains positions that have a high degree of positive correlation to each other.

This means that some holdings in your portfolio have similar movement in monthly returns, and you may not get much benefit from diversification as intended. Additional Correlation Details

Overweight in Growth

Your equity holdings display a strong growth tilt, with only 11.04% in value.

Consider a balanced and diversified portfolio with growth, core, and value holdings.

Sharpe Ratio

Your portfolio has a lower Sharpe Ratio than your selected benchmark.

You may want to discuss with your investment professional to consider ways to generate similar returns for a lower risk level.

Higher Expense Ratio than Benchmark

Your portfolio has a higher expense ratio than the benchmark.

The average net expense ratio of your Portfolio is 1.19%, and the Benchmark 0.25%.

Hypothetical performance in historical scenarios

In 2008 Global Financial Crisis (June-2007 - Feb-2009), a portfolio with your current asset allocation would have underperformed the benchmark by 7.27%.

Higher downside volatility than benchmark

Over the past 3 years, your portfolio displayed higher downside volatility (standard deviation) than the benchmark.

The downside standard deviation of your portfolio is 2.24%, and the benchmark 1.48%.

Overweight in fixed income

Compared to your selected benchmark, you are overweight in fixed income. To better match the selected benchmark, consider whether rebalancing is appropriate.

Your portfolio is 5.66% overweight in fixed income as compared to the benchmark.