Aggressive growth portfolio with a strong focus on US large-cap stocks and high dividend yield

Report created on Aug 20, 2025

Risk profile Info

6/7
Aggressive
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is heavily weighted towards the Schwab U.S. Large-Cap Growth ETF at 80%, with a significant position in Jiayin Group Inc at 15%, and a smaller allocation to the Schwab U.S. Dividend Equity ETF at 5%. This composition indicates a strong preference for growth-oriented large-cap stocks, supplemented by a high-dividend-paying stock and a dividend-focused ETF. The portfolio's diversification is moderate, with a heavy concentration in a few sectors and a significant tilt towards technology and communication services.

Growth Info

Historically, the portfolio has shown an impressive Compound Annual Growth Rate (CAGR) of 27.17%, though it has experienced a significant maximum drawdown of -33.22%. This performance is reflective of the portfolio's aggressive risk profile, capable of delivering high returns but also subject to substantial volatility. The days contributing to 90% of returns being limited to 18 indicates that the portfolio's performance is highly concentrated in a few very good days, underscoring the importance of staying invested through market cycles.

Projection Info

Using Monte Carlo simulation, which projects future performance based on historical data, the portfolio shows a wide range of outcomes. The 50th percentile outcome suggests a potential 117.7% return, while the 5th percentile faces a dramatic -96.9% loss, highlighting the portfolio's high-risk nature. The simulation's average annualized return of 37.65% further emphasizes the portfolio's aggressive growth potential, though it's important to remember that these projections are not guarantees.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely allocated to stocks, with no exposure to cash or other asset classes. This 100% stock allocation is indicative of an aggressive growth strategy, seeking to maximize capital appreciation. However, the lack of diversification across asset classes can increase volatility and risk, especially during market downturns.

Sectors Info

  • Technology
    41%
  • Telecommunications
    26%
  • Consumer Discretionary
    10%
  • Health Care
    7%
  • Financials
    6%
  • Industrials
    4%
  • Consumer Staples
    2%
  • Energy
    2%
  • Basic Materials
    1%

The sector allocation is heavily skewed towards technology and communication services, making up 67% of the portfolio. This concentration in high-growth sectors can offer substantial returns but also increases susceptibility to sector-specific risks. The underrepresentation of defensive sectors like utilities and real estate could limit the portfolio's ability to hedge against market volatility.

Regions Info

  • North America
    85%
  • Asia Emerging
    15%

Geographically, the portfolio is predominantly invested in North America (85%) and has a significant exposure to Asia Emerging markets (15%). This geographic distribution supports the portfolio's growth objectives but may introduce additional risks related to emerging market volatility and geopolitical tensions.

Market capitalization Info

  • Mega-cap
    52%
  • Large-cap
    20%
  • Small-cap
    16%
  • Mid-cap
    11%

The portfolio's market capitalization exposure is diversified across mega (52%), big (20%), small (16%), and medium (11%) cap stocks. This mix supports the portfolio's growth orientation while offering some level of diversification. However, the emphasis on mega and big cap stocks aligns with the portfolio's aggressive growth strategy, potentially limiting exposure to higher-growth small and medium cap opportunities.

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 portfolio's current allocation and risk profile, optimization efforts could focus on enhancing diversification without significantly compromising growth potential. Utilizing the Efficient Frontier could identify opportunities to adjust allocations for an improved risk-return ratio. However, the portfolio's strong historical performance suggests that its current strategy aligns well with an aggressive growth objective, though adjustments could further optimize returns and manage risk.

Dividends Info

  • Jiayin Group Inc 10.10%
  • Schwab U.S. Dividend Equity ETF 3.70%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Weighted yield (per year) 2.02%

The portfolio's dividend yield stands at 2.02%, with Jiayin Group Inc contributing a significant 10.10% yield. While the overall yield is enhanced by the high-yielding stock, the growth-focused ETFs contribute minimally to the income. This strategy balances growth with income generation, though the portfolio's primary focus remains on capital appreciation.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Weighted costs total (per year) 0.04%

The portfolio benefits from low costs, with Total Expense Ratios (TER) of 0.06% and 0.04% for the dividend and large-cap growth ETFs, respectively. These low costs are advantageous for long-term growth, as they minimize the drag on returns. Keeping costs low is crucial for maximizing net returns, especially in an aggressive growth strategy.

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