A growth-oriented portfolio with a tech tilt and robust global exposure

Report created on Aug 3, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio showcases a strategic emphasis on technology and broad market exposure through its allocation in major Vanguard ETFs and a Schwab U.S. Small-Cap ETF. With 45% in a total stock market fund, 25% in international stocks, 20% in technology, and 10% in U.S. small-cap, it's structured for growth with a significant tech influence. The diversification is commendable, leveraging both geographic and sectoral spread, though the heavy tech weighting introduces sector-specific risk.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 13.59%, with a maximum drawdown of -34.33%. These figures suggest strong growth potential but with notable volatility, as evidenced by the significant drawdown. The days contributing most to returns indicate that gains are concentrated in specific periods, highlighting the importance of staying invested through market cycles to capture such returns.

Projection Info

Monte Carlo simulations, using historical data to forecast future outcomes, suggest a wide range of potential results, from a 33.4% increase at the 5th percentile to a 604.9% increase at the 67th percentile. This indicates a high growth potential but also underscores the inherent uncertainty and risk. Remember, while these simulations can guide expectations, they cannot predict future market conditions accurately.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio is almost entirely invested in stocks (99%), with a minimal cash holding (1%). This allocation underscores a high growth focus but comes with increased market risk. Diversification across asset classes could provide a buffer against stock market volatility, potentially smoothing out returns over time.

Sectors Info

  • Technology
    39%
  • Financials
    14%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    6%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    3%
  • Real Estate
    3%
  • Utilities
    2%

With 39% in technology, the sector allocation reveals a strong bet on tech's continued growth. While tech stocks can offer substantial gains, they are also prone to sharp corrections. The presence of other sectors like financial services and industrials provides some balance, but the tech dominance could amplify portfolio volatility during market downturns.

Regions Info

  • North America
    77%
  • Europe Developed
    10%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio leans heavily towards North America (77%), with diversified exposure across developed and emerging markets. This North American focus capitalizes on the region's innovation and economic strength but may miss out on potential gains from faster-growing economies elsewhere. Broadening international exposure could capture global growth dynamics more effectively.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    27%
  • Mid-cap
    16%
  • Small-cap
    11%
  • Micro-cap
    5%

The market capitalization breakdown shows a balanced approach, with allocations across mega (40%), big (27%), medium (16%), small (11%), and micro (5%) cap stocks. This spread across the size spectrum supports diversification, reducing the impact of any single segment's underperformance, though the tilt towards larger companies aligns with the portfolio's growth orientation.

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, this portfolio's heavy tech weighting and stock concentration suggest there might be room for optimization towards achieving a better risk-return ratio. Adjusting allocations to include more asset classes or rebalancing sector exposures could enhance diversification and potentially improve the portfolio's efficiency.

Dividends Info

  • Schwab U.S. Small-Cap ETF 1.60%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.52%

The dividend yield across the portfolio averages 1.52%, with the highest yield from the Vanguard Total International Stock Index Fund ETF Shares at 2.90%. While not the primary focus, these dividends contribute to total returns, offering a modest income stream in addition to potential capital gains. Reinvesting these dividends could compound growth over time.

Ongoing product costs Info

  • Schwab U.S. Small-Cap ETF 0.04%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

The portfolio's total expense ratio (TER) averages to an impressively low 0.05%, showcasing efficient cost management. Lower costs translate directly to higher net returns for investors, making this portfolio more attractive for long-term growth. This efficiency is crucial in maximizing investment growth, especially in a low-yield environment.

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