A growth-oriented portfolio with a strong emphasis on developed markets and large-cap stocks

Report created on Aug 1, 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 is heavily weighted towards large-cap equities, primarily through the Vanguard S&P 500 ETF and the Vanguard FTSE Developed Markets Index Fund ETF Shares, making up 90% of the portfolio. The remaining 10% is allocated to the Avantis® U.S. Small Cap Value ETF, offering a slight tilt towards value and small-cap stocks. This composition indicates a growth-oriented strategy with a significant focus on developed markets. The diversification across sectors is broad, with technology and financial services having the most substantial allocations.

Growth Info

Historically, the portfolio has delivered a Compound Annual Growth Rate (CAGR) of 14.38%, with a maximum drawdown of -35.34%. These figures suggest a strong performance, albeit with significant volatility. The days contributing to 90% of returns being limited to just 15 days highlights the portfolio's susceptibility to short-term market movements, emphasizing the importance of a long-term investment horizon to weather potential volatility.

Projection Info

Monte Carlo simulations, using historical data to project future outcomes, suggest a wide range of potential portfolio values. With 973 out of 1,000 simulations showing positive returns, the median projected annualized return is 15.75%. However, it's crucial to remember that these projections are based on historical data, which is not a guarantee of future performance. They serve as a tool for understanding potential outcomes, not precise predictions.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is almost entirely in stocks (99%), with a minimal cash holding (1%). This allocation is consistent with its growth profile but comes with higher volatility and risk. Investors should be comfortable with significant market fluctuations and have a long-term investment horizon to accommodate the growth strategy.

Sectors Info

  • Technology
    22%
  • Financials
    19%
  • Industrials
    13%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector allocation is well-diversified, with a heavy emphasis on technology (22%) and financial services (19%). This sector concentration reflects a common growth-oriented approach but may increase volatility, especially in tech-heavy portfolios, which can be sensitive to market shifts and interest rate changes.

Regions Info

  • North America
    67%
  • Europe Developed
    19%
  • Japan
    8%
  • Asia Developed
    2%
  • Australasia
    2%

Geographically, the portfolio is predominantly invested in North America (67%) and developed European markets (19%), with smaller exposures to Japan and Australasia. The lack of emerging markets exposure could limit potential for higher growth rates from these regions but also reduces exposure to their higher volatility and political risks.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    30%
  • Mid-cap
    16%
  • Small-cap
    6%
  • Micro-cap
    5%

The focus on mega (41%) and big (30%) cap stocks aligns with the portfolio's growth and stability objectives, offering less volatility than smaller cap stocks. However, the inclusion of small (6%) and micro (5%) cap stocks through the Avantis® U.S. Small Cap Value ETF introduces potential for higher returns, albeit with increased risk.

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, there may be opportunities to optimize the portfolio's risk-return profile by adjusting asset allocations. However, any optimization should align with the investor's risk tolerance and investment goals, focusing on achieving the best possible balance between risk and return.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.79%

The portfolio's average dividend yield is 1.79%, which contributes to its total return. While not the primary focus of a growth-oriented strategy, dividends provide a steady income stream and can offer a cushion during market downturns.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.06%

With an overall Total Expense Ratio (TER) of 0.06%, the portfolio is cost-efficient, enhancing long-term return potential. Lower costs are particularly beneficial in growth strategies, where compounding plays a crucial role over time.

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