Balanced portfolio with a strong focus on US equities and technology sector exposure

Report created on Sep 11, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is structured around three core ETFs, emphasizing U.S. equities (70%) and international stocks (30%), with a notable lean towards the technology sector. Such a composition suggests a strategy favoring growth through market-leading companies and sectors. The allocation across these ETFs is designed to capture broad market movements while attempting to mitigate risk through geographical and sectoral diversification. This approach aligns with balanced investment strategies that seek to blend growth potential with a moderate level of risk.

Growth Info

Historically, the portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 14.27%, with a maximum drawdown of -33.41%. These figures suggest a resilient performance across various market conditions, highlighting the portfolio's ability to recover from downturns. The days contributing to 90% of returns indicate significant gains were achieved on relatively few days, underscoring the importance of staying invested over the long term to capture these spikes.

Projection Info

Monte Carlo simulations, which use historical data to forecast potential future outcomes, show a wide range of results with a median increase of 543.3% in portfolio value. While these projections offer a glimpse into possible future scenarios, they are inherently subject to historical biases and cannot guarantee future performance. The high number of simulations with positive returns, however, suggests a robustness in the portfolio's construction against varied market conditions.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's allocation is heavily weighted towards stocks (99%), with a minimal cash holding (1%). This asset class distribution is typical for portfolios aiming for growth, as equities tend to offer higher returns over the long term compared to cash or fixed-income investments. However, this also means the portfolio may experience higher volatility, as equities are more susceptible to market fluctuations.

Sectors Info

  • Technology
    31%
  • Financials
    15%
  • Consumer Discretionary
    11%
  • Telecommunications
    10%
  • Industrials
    9%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Basic Materials
    3%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%

With technology (31%) and financial services (15%) leading the sectoral allocation, the portfolio is positioned to benefit from growth in these dynamic sectors. Technology, in particular, has been a significant driver of market performance in recent years but also brings higher volatility. The spread across ten sectors helps mitigate sector-specific risks, though the heavy weighting in technology does introduce a concentrated risk profile.

Regions Info

  • North America
    72%
  • Europe Developed
    12%
  • Asia Emerging
    5%
  • Japan
    5%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio has a strong North American focus (72%), supplemented by developed European (12%) and emerging Asian (5%) exposures. This distribution reflects a bias towards more stable, developed markets, likely aiming to capture growth while managing geopolitical and currency risks associated with emerging markets. However, the underrepresentation of emerging markets may limit exposure to high-growth opportunities outside the developed world.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    31%
  • Mid-cap
    16%
  • Small-cap
    2%

The market capitalization breakdown, with a significant emphasis on mega (50%) and big (31%) cap stocks, underscores a preference for established, large companies known for their stability and potential for steady growth. While this can reduce volatility, it may also limit the portfolio's exposure to the high-growth potential of smaller companies.

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, the portfolio appears to be positioned towards the higher end of risk-return spectrum within its current asset allocation. This suggests that while the portfolio is potentially optimized for maximum return given its risk level, investors should regularly reassess their risk tolerance and adjust their portfolio accordingly to maintain alignment with their investment goals and risk appetite.

Dividends Info

  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • SPDR® Portfolio S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.49%

The portfolio's dividend yield stands at an average of 1.49%, with the highest yield coming from the Vanguard Total International Stock Index Fund ETF Shares. This yield contributes to the portfolio's total return, providing a steady income stream in addition to potential capital gains. For investors seeking both growth and income, this blend of ETFs offers a balanced approach to achieving those objectives.

Ongoing product costs Info

  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.03%

The portfolio benefits from low total expense ratios (TER), averaging 0.03%, which is favorable for long-term growth as lower costs directly translate to higher net returns. Keeping investment costs low is a fundamental principle of successful investing, particularly important in a growth-oriented portfolio where the impact of compounding returns is significant over time.

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