A well-diversified growth-oriented portfolio with a strong focus on technology and US equities

Report created on Jul 29, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is characterized by a significant allocation to US equity ETFs, particularly those tracking the S&P 500 and NASDAQ, which together constitute 55% of the portfolio. The inclusion of a total international stock index fund and a US dividend equity ETF broadens its diversification, both geographically and in terms of income generation. The heavy weighting towards ETFs suggests a preference for broad market exposure and a balanced risk profile, which is consistent with the portfolio's risk classification as "Profile_Balanced."

Growth Info

Historically, the portfolio has demonstrated robust performance with a Compound Annual Growth Rate (CAGR) of 13.71%. The maximum drawdown of -25.63% indicates resilience during market downturns, although it's important to remember that past performance is not indicative of future results. The days contributing most to returns highlight the portfolio's dependency on specific high-growth periods, underscoring the importance of staying invested over the long term.

Projection Info

Monte Carlo simulations suggest a wide range of potential outcomes, with the median projection significantly higher than the initial investment. This forward-looking analysis, while based on historical data, underscores the inherent uncertainties in predicting market movements. Investors should consider these projections as one of many tools in assessing future performance, not a guaranteed outcome.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio is almost entirely invested in stocks, with a minimal cash holding. This allocation underscores a growth-focused strategy but comes with higher volatility. While the stock-heavy approach aligns with the portfolio's objectives, maintaining a small cash reserve can provide liquidity for taking advantage of market opportunities or rebalancing.

Sectors Info

  • Technology
    29%
  • Financials
    12%
  • Consumer Discretionary
    11%
  • Industrials
    9%
  • Health Care
    9%
  • Telecommunications
    9%
  • Consumer Staples
    8%
  • Energy
    6%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

The sectoral allocation reveals a strong emphasis on technology, which may increase volatility but also offers high growth potential. The diversification across other sectors like financial services, consumer cyclicals, and healthcare balances this risk to some extent. However, investors should be mindful of sector-specific risks and consider rebalancing if one sector becomes overly dominant.

Regions Info

  • North America
    76%
  • 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, particularly the US, with moderate exposure to developed European markets and emerging markets in Asia. This distribution reflects a preference for the stability and growth potential of US equities while still capturing some international diversification benefits. Further diversification, especially in emerging markets, could enhance growth prospects and reduce geographic concentration risk.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    38%
  • Mid-cap
    19%
  • Small-cap
    2%

The focus on mega and big cap stocks suggests a preference for established, less volatile companies. Medium cap exposure introduces growth potential with manageable risk, but the minimal allocation to small and micro caps limits exposure to high-growth, albeit riskier, segments. Considering a slight increase in small or medium cap allocations could enhance returns while adding diversification.

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 appears well-positioned for optimizing the risk-return trade-off based on its current assets. However, there's always room for improvement, such as adjusting allocations or diversifying further to enhance the portfolio's efficiency. Regular reviews and adjustments in response to changing market conditions and investment objectives are essential for maintaining optimal performance.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.94%

The varying dividend yields across ETFs contribute to the portfolio's total yield of 1.94%, providing a steady income stream in addition to potential capital gains. This balance between growth and income supports a balanced investment approach, appealing to those seeking moderate growth with some income generation.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.07%

The portfolio's overall low cost, with a Total Expense Ratio (TER) of 0.07%, enhances net returns. Keeping costs low is crucial for long-term investment success, as even small differences in fees can significantly impact cumulative returns over time.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey