Growth-oriented portfolio with strong emphasis on equities and diversified international exposure

Report created on Nov 4, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Your portfolio is heavily weighted towards equities, with a significant 45% allocation to an S&P 500 ETF, indicating a strong focus on large-cap U.S. stocks. The rest is diversified across international and U.S. small-cap value ETFs. This structure suggests a growth-oriented strategy with an attempt at broad diversification across geographies and market capitalizations. However, the exclusive focus on stocks increases volatility and risk, particularly in the absence of bonds or other asset classes that could offer a buffer during market downturns.

Growth Info

Historically, your portfolio has shown a Compound Annual Growth Rate (CAGR) of 15.78%, which is impressive. The maximum drawdown of -38.01% highlights the risk associated with a high-equity portfolio, especially during market corrections. The days contributing most to returns indicate significant gains are concentrated in short periods, emphasizing the importance of staying invested through market cycles to capture these spikes.

Projection Info

Monte Carlo simulations, using historical data to forecast future scenarios, show a wide range of outcomes with a median 548.7% growth. While encouraging, it's critical to remember that such projections are speculative and depend heavily on past performance, which is not a reliable indicator of future results. The high percentage of simulations with positive returns underscores the growth potential but doesn't eliminate the risks of loss.

Asset classes Info

  • Stocks
    100%

Your portfolio is entirely invested in stocks, with no allocation to bonds, cash, or other asset classes. This aligns with a growth-focused strategy but increases exposure to market volatility. Diversifying across different asset classes can reduce risk and smooth out returns over time, potentially offering a more stable growth trajectory, especially during turbulent market phases.

Sectors Info

  • Technology
    18%
  • Financials
    13%
  • Consumer Discretionary
    11%
  • Industrials
    9%
  • Energy
    6%
  • Telecommunications
    5%
  • Health Care
    5%
  • Basic Materials
    4%
  • Consumer Staples
    3%
  • Utilities
    1%
  • Real Estate
    1%

The sector allocation shows a concentration in technology, financial services, and consumer cyclicals, which are sectors often associated with higher growth but also higher volatility. While this sectoral spread can offer significant upside during bullish markets, it's important to be aware of the increased risk during economic downturns or sector-specific shocks.

Regions Info

  • North America
    69%
  • Europe Developed
    16%
  • Japan
    9%
  • Australasia
    3%
  • Asia Developed
    1%
  • Africa/Middle East
    1%

Geographically, your portfolio is predominantly North American with meaningful exposure to developed markets in Europe and Japan. This geographical distribution supports diversification, reducing the risk tied to any single economy. However, the negligible exposure to emerging markets may limit potential growth opportunities available in these rapidly developing regions.

Market capitalization Info

  • Mega-cap
    27%
  • Large-cap
    22%
  • Mid-cap
    19%
  • Small-cap
    16%
  • Micro-cap
    11%

The market capitalization breakdown includes a mix from mega to micro-cap stocks, which is beneficial for diversification. This range suggests a strategy that balances the stability of large-cap companies with the growth potential of small and micro-cap firms. However, the higher allocation to larger caps indicates a slightly more conservative stance within the equity component of the portfolio.

Redundant positions Info

  • Avantis® International Small Cap Value ETF
    Avantis® International Equity ETF
    High correlation

The high correlation between the Avantis® International Equity ETF and Avantis® International Small Cap Value ETF suggests redundancy, limiting the benefits of diversification. Identifying and reducing overlapping holdings can enhance portfolio efficiency by reducing unnecessary exposure to similar risk factors.

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.

Considering the Efficient Frontier, optimizing your portfolio involves reducing overlap and potentially introducing non-correlated assets to achieve a better risk-return balance. The current focus on equities, while growth-oriented, exposes you to significant market volatility. Diversification across asset classes, not just within equities, could improve your portfolio's efficiency.

Dividends Info

  • Avantis® International Equity ETF 2.60%
  • Avantis® International Small Cap Value ETF 3.40%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Weighted yield (per year) 1.32%

The dividend yields across your ETFs contribute to the portfolio's total income, with the international small-cap value ETF offering the highest yield. While dividends provide a steady income stream and can help mitigate some volatility, the overall yield is relatively modest, reflecting the growth orientation of the portfolio rather than a focus on income.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Weighted costs total (per year) 0.15%

The Total Expense Ratios (TERs) of the ETFs in your portfolio are relatively low, with the exception being the international small-cap value ETF. Low costs are crucial for long-term growth, as they directly impact net returns. Your portfolio benefits from a competitive cost structure, enhancing its potential for favorable returns over time.

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