Growth-oriented portfolio with a strong tech focus and moderate diversification

Report created on Oct 4, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is predominantly invested in equities, with a significant 67% allocation to a broad market ETF that tracks the S&P 500, and a notable 14% in a single technology company, Apple Inc. The remaining allocations include international equities and growth-focused ETFs, with a minor position in mid-cap value stocks. The heavy weighting towards the S&P 500 ETF and a single tech stock suggests a concentration risk, albeit within a growth-oriented strategy. This structure aligns with a growth investment profile but carries a higher risk due to its concentrated positions.

Growth Info

Historically, the portfolio has demonstrated a robust Compound Annual Growth Rate (CAGR) of 16.81%, with a significant maximum drawdown of -33.30%. These figures indicate a high-growth trajectory, albeit with substantial volatility. The days contributing to 90% of returns are relatively few, suggesting that the portfolio's performance is heavily reliant on strong market days. This historical performance, while impressive, underscores the importance of risk tolerance in growth investing.

Projection Info

The Monte Carlo simulation, which projects future performance by analyzing historical data, forecasts a wide range of outcomes. With 998 out of 1,000 simulations showing positive returns, the median projected growth is substantial. However, the wide range between the 5th and 67th percentiles highlights the inherent uncertainty in such projections. Investors should understand that while these simulations offer valuable insights, they cannot guarantee future performance.

Asset classes Info

  • Stocks
    100%

The portfolio's allocation is entirely in stocks, indicating a high-risk, high-reward investment strategy. This singular focus on equities, without any allocation to bonds, cash, or alternative investments, maximizes growth potential but also increases volatility. Diversifying across different asset classes could provide a buffer against market downturns and reduce overall portfolio risk.

Sectors Info

  • Technology
    43%
  • Financials
    12%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Industrials
    7%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%
  • Basic Materials
    2%

Sector allocation is heavily skewed towards technology, comprising 43% of the portfolio. While tech stocks have historically provided significant growth opportunities, this concentration increases vulnerability to sector-specific downturns. Other sectors like financial services, consumer cyclicals, and healthcare are represented but to a lesser extent. A more balanced sector distribution could mitigate risks and capitalize on growth opportunities across the broader economy.

Regions Info

  • North America
    91%
  • Europe Developed
    4%
  • Asia Emerging
    1%
  • Japan
    1%
  • Asia Developed
    1%

Geographically, the portfolio is heavily weighted towards North America (91%), with minimal exposure to international markets. This concentration in a single region, while potentially capitalizing on the growth of the US market, limits global diversification and exposure to emerging market opportunities. Increasing international allocations could enhance diversification and potentially reduce geographic risk.

Market capitalization Info

  • Mega-cap
    54%
  • Large-cap
    27%
  • Mid-cap
    16%
  • Small-cap
    2%

The portfolio's market capitalization exposure is predominantly in mega (54%) and big (27%) cap stocks, reflecting a preference for large, established companies with perceived stability and growth potential. Medium, small, and micro caps are underrepresented, which may limit exposure to high-growth opportunities in smaller companies. A more balanced market cap allocation could improve diversification and growth prospects.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Growth Index Fund ETF Shares
    High correlation

The high correlation between the Vanguard S&P 500 ETF and the Vanguard Growth Index Fund ETF Shares indicates overlapping exposures, which may limit the benefits of diversification. This redundancy suggests that the portfolio could be streamlined by reducing similar holdings, thereby enhancing diversification without sacrificing potential returns.

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.

The portfolio's current composition suggests room for optimization, particularly regarding the removal of overlapping assets. By addressing highly correlated investments, the portfolio can achieve a more efficient risk-return profile, as indicated by the Efficient Frontier. This optimization process involves reallocating investments to minimize redundancy while maintaining the portfolio's growth objectives.

Dividends Info

  • Apple Inc 0.40%
  • iShares Russell Mid-Cap Value ETF 1.50%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.11%

The portfolio's dividend yield is relatively modest, with an overall yield of 1.11%. This is consistent with the growth focus of the portfolio, as growth stocks typically reinvest earnings rather than pay out dividends. While the current yield contributes to total returns, investors seeking income in addition to growth may need to adjust their allocations.

Ongoing product costs Info

  • iShares Russell Mid-Cap Value ETF 0.23%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.03%

The portfolio's total expense ratio (TER) is impressively low, indicating efficient cost management. Low costs are crucial for long-term growth, as they directly enhance net returns. This aspect of the portfolio is particularly well-managed, aligning with best practices for maximizing investment performance over time.

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