Investment Performance & Growth Report
- Dec 2, 2025
- 2 min read
š Investment Performance & Growth Report: Q4 2025
Reporting Period: October 1, 2025 ā December 31, 2025
I. Executive Summary
This report provides a comprehensive review of the portfolio's performance, growth, and positioning for the fourth quarter of 2025.
The portfolio delivered a +4.85%Ā net return for the period, resulting in a net gain of $14,550. This performance OutperformedĀ the Blended Benchmark return of +3.90%. The portfolio ended the period with a total market value of $314,550.
Our strategic allocation to International EquityĀ was the primary driver of growth, benefiting from strengthening overseas markets. We remain focused on achieving the long-term objective of consistent capital appreciationĀ while managing volatility.
II. Portfolio Value & Activity Summary
The following table summarizes the change in the portfolio's market value during the reporting period:
Metric | Amount ($) |
A. Beginning Market ValueĀ (as of Oct 1, 2025) | $305,000 |
B. Net Contributions / Withdrawals (Cash Flow) | +Ā $5,000 |
C. Net Investment Earnings (Gain/Loss) | $14,550 |
D. Ending Market ValueĀ (as of Dec 31, 2025) (A + B + C) | $314,550 |
III. Performance Analysis
A. Total Returns (Net of Fees)
Performance is measured using the Time-Weighted Rate of Return (TWRR), which standardizes results and removes the distortion of cash flows to reflect management skill.
Time Period | Portfolio Return | Benchmark Return | Alpha (Out/Underperformance) |
Current Period (Q4 2025) | +4.85% | +3.90% | +0.95% |
Year-to-Date (YTD) | +12.15% | +10.55% | +1.60% |
Trailing 3 Years (Annualized) | +8.20% | +7.75% | +0.45% |
B. Risk Metrics
Metric | Portfolio | Benchmark |
Standard DeviationĀ (Volatility) | 10.5% | 9.8% |
Sharpe Ratio | 0.95 | 0.88 |
IV. Asset Allocation
The current asset mix reflects our strategy to balance growth and capital preservation.
Asset Class | Current Weighting (%) | Target Weighting (%) |
Domestic Equity | 45.0% | 50.0% |
International Equity | 25.0% | 20.0% |
Fixed Income (Bonds) | 20.0% | 20.0% |
Alternatives / Real Estate | 5.0% | 5.0% |
Cash & Equivalents | 5.0% | 5.0% |
TOTAL | 100.0% | 100.0% |
Top 5 Holdings (by Market Value)
Global Tech Fund XĀ - 4.2%
Blue Chip Stock AĀ - 3.8%
Emerging Market ETF ZĀ - 3.5%
Corporate Bond Fund YĀ - 3.1%
Healthcare Sector Fund BĀ - 2.9%
V. Market & Economic Commentary
The quarter was characterized by stabilizing inflation and a strong "Santa Claus rally"Ā in global equity markets. Central bank policy, specifically the Federal Reserve's pause on interest rate hikes, bolstered investor sentiment.
Equities:Ā Global equity markets, measured by the MSCI World Index, returned 4.15%, driven primarily by strength in the TechnologyĀ and Consumer DiscretionaryĀ sectors.
Fixed Income:Ā The bond market stabilized as yields retreated slightly from prior highs, allowing the portfolio's fixed income holdings to post a modest +1.20%Ā return for the period.
VI. Outlook & Strategy
Looking ahead into 2026, we maintain an opportunisticĀ outlook. We plan to rebalance the domestic equity exposureĀ back to its 50% target by strategically deploying cash and trimming the current overweight in International Equity. We will continue to monitor corporate earnings guidanceĀ and geopolitical stabilityĀ in Europe.
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