A growth-focused portfolio with a strategic mix of domestic and international ETFs

Report created on Jul 18, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is structured around a core of U.S. equity ETFs, complemented by international exposure and a focus on companies with sustainable competitive advantages, or "moats." The allocation includes a significant position in broad market ETFs, alongside specific bets on large-cap growth, small-cap value, and emerging markets. This composition suggests a strategy that aims to balance growth potential with a degree of value-oriented diversification, albeit with a heavy tilt towards the U.S. market.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 16.36% and a maximum drawdown of -34.50%, the portfolio has demonstrated strong growth with significant volatility. The days contributing most to returns indicate that gains are concentrated in relatively few, potentially high-impact days. This performance, while impressive, underscores the portfolio's exposure to market swings and the importance of timing in investment decisions.

Projection Info

The Monte Carlo simulation, projecting a wide range of potential outcomes based on historical data, suggests a majority of scenarios end in positive territory, with the median projection indicating substantial growth. However, it's crucial to remember that these simulations are based on past trends, which are not guaranteed to predict future performance. This tool helps in understanding potential volatility and the range of outcomes but should be one of many factors considered in decision-making.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The almost exclusive allocation to stocks (99%) with a minimal cash reserve (1%) positions this portfolio for growth but also exposes it to higher market risk. The lack of diversification across different asset classes, such as bonds or real estate, means the portfolio may be more susceptible to stock market fluctuations. Including a variety of asset classes can help mitigate risk and smooth out returns over time.

Sectors Info

  • Technology
    30%
  • Financials
    14%
  • Industrials
    11%
  • Health Care
    11%
  • Consumer Discretionary
    10%
  • Telecommunications
    8%
  • Consumer Staples
    7%
  • Basic Materials
    3%
  • Energy
    3%
  • Real Estate
    1%
  • Utilities
    1%

With a heavy emphasis on technology and financial services, the portfolio is well-positioned to benefit from growth in these sectors. However, this concentration also introduces sector-specific risks, such as regulatory changes or economic shifts affecting these industries. Diversifying across a broader range of sectors could reduce volatility and provide more stable returns.

Regions Info

  • North America
    85%
  • Europe Developed
    5%
  • Asia Emerging
    5%
  • Asia Developed
    2%
  • Japan
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic allocation is predominantly North American (85%), with modest exposure to developed and emerging markets outside the U.S. This concentration enhances the potential for growth but also increases vulnerability to regional economic and political events. Expanding international exposure, particularly to underrepresented regions, could offer additional diversification benefits and access to growth opportunities.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    27%
  • Mid-cap
    21%
  • Small-cap
    10%
  • Micro-cap
    6%

The mix of mega, big, medium, small, and micro-cap stocks suggests a strategy aiming to capture growth across the market cap spectrum. This diversification can help balance the volatility of smaller companies with the stability of larger firms. However, the portfolio's effectiveness in this regard depends on the ongoing performance and market conditions affecting these segments.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The high correlation between the Vanguard Total Stock Market Index Fund ETF Shares and the Schwab U.S. Large-Cap Growth ETF indicates overlapping exposures, which may limit the diversification benefits of holding both. Identifying and reducing such redundancies can enhance the portfolio's efficiency by ensuring each holding contributes uniquely to performance and risk management.

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.

The presence of highly correlated assets suggests an opportunity to optimize the portfolio by removing or reducing overlap. By focusing on diversification not just across, but within asset classes, the portfolio can achieve a more efficient risk-return profile. This process, guided by principles like the Efficient Frontier, seeks to maximize returns for a given level of risk.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • VanEck Morningstar Wide Moat ETF 1.30%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.31%

The portfolio's overall dividend yield of 1.31% contributes to total returns but is not the primary focus. The varying yields across ETFs reflect different investment strategies and sector exposures. For investors seeking income, especially in retirement, a higher allocation to assets with substantial dividend yields might be worth considering.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • VanEck Morningstar Wide Moat ETF 0.47%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.17%

With a total expense ratio (TER) of 0.17%, the portfolio is cost-efficient, enhancing net returns over the long term. Low costs are crucial for maximizing investment growth, especially in a diversified portfolio where the impact of fees compounds across multiple holdings.

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