A growth-focused portfolio with strong US and technology sector exposure and moderate diversification

Report created on Aug 7, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is heavily weighted towards ETFs focusing on U.S. large-cap value and growth, constituting over 58% of the portfolio. It also includes international small-cap value, U.S. small-cap value, international hedged quality dividend growth, and U.S. mid-cap growth and value ETFs. This composition reflects a growth-oriented strategy with a tilt towards value investing. While the portfolio is moderately diversified across sectors and geographies, its concentration in large-cap U.S. stocks and the technology sector suggests a higher risk-reward profile.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 11.09%, with a maximum drawdown of -23.18%. The fact that 90% of returns came from just 10 days highlights the portfolio's volatility and the importance of staying invested through market cycles. Comparing this performance to benchmarks, it's evident that the portfolio has navigated market fluctuations well, but investors should be prepared for significant short-term volatility.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, suggest a wide range of potential returns for this portfolio. With a 50th percentile projection of 200.9% growth, the portfolio shows promise. However, the 5th percentile projection of -14.8% underscores the risk involved. These simulations are useful for understanding potential outcomes, but they are not guarantees due to the inherent unpredictability of markets.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely allocated to stocks, with no exposure to bonds, cash, or other asset classes. This allocation supports the portfolio's growth objective but also increases its risk, particularly in volatile or bear markets. Diversifying across asset classes could reduce volatility and improve risk-adjusted returns, especially during downturns.

Sectors Info

  • Technology
    20%
  • Consumer Discretionary
    15%
  • Industrials
    14%
  • Financials
    14%
  • Telecommunications
    9%
  • Energy
    8%
  • Health Care
    7%
  • Basic Materials
    5%
  • Consumer Staples
    5%
  • Utilities
    1%
  • Real Estate
    1%

Sector allocation is concentrated in technology, consumer cyclicals, industrials, and financial services, which are sectors typically associated with growth but also with higher volatility. The limited exposure to defensive sectors like healthcare, consumer defensive, and utilities may make the portfolio more susceptible to market downturns. Considering a rebalance to include more defensive sectors could provide better protection against volatility.

Regions Info

  • North America
    82%
  • Europe Developed
    10%
  • Japan
    5%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

The portfolio's geographic allocation is heavily skewed towards North America (82%), with minimal exposure to emerging markets and other developed regions. This concentration enhances exposure to the U.S. economy's growth potential but also increases vulnerability to regional economic downturns. Increasing diversification into emerging and other developed markets could offer growth opportunities and reduce geographic risk.

Market capitalization Info

  • Mid-cap
    35%
  • Mega-cap
    28%
  • Large-cap
    18%
  • Small-cap
    14%
  • Micro-cap
    5%

The market capitalization breakdown shows a balanced mix of medium, mega, big, small, and micro-cap stocks. This diversification helps mitigate risk as different market caps respond differently to economic changes. However, the emphasis on medium to mega caps aligns with the portfolio's growth focus, potentially limiting 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 and return. This positioning suggests that while the portfolio is taking on considerable risk, it's also positioned for higher potential returns. Investors should periodically review asset allocation to ensure it remains aligned with their risk tolerance and investment goals.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.70%
  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF 1.60%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • WisdomTree International Hedged Quality Dividend Growth Fund 2.70%
  • iShares Morningstar Mid-Cap Growth ETF 0.70%
  • iShares Morningstar Mid-Cap Value ETF 2.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Weighted yield (per year) 1.61%

The portfolio's total dividend yield of 1.61% contributes to its overall returns but is not the primary focus. Given the growth orientation, this yield level is reasonable, as growth stocks typically reinvest earnings rather than pay high dividends. Investors seeking income might consider increasing allocations to higher-yielding assets.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • American Century ETF Trust - Avantis U.S. Large Cap Value ETF 0.15%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • WisdomTree International Hedged Quality Dividend Growth Fund 0.58%
  • iShares Morningstar Mid-Cap Growth ETF 0.06%
  • iShares Morningstar Mid-Cap Value ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Weighted costs total (per year) 0.17%

With a Total Expense Ratio (TER) of 0.17%, the portfolio benefits from relatively low costs, which is commendable. Lower costs mean more of the investment's return is kept by the investor, enhancing long-term growth potential. This cost efficiency is a strength, especially in a growth-focused portfolio where maximizing compounding is key.

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