Growth-oriented portfolio with a strong focus on technology and large-cap stocks

Report created on Aug 21, 2025

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This portfolio is heavily weighted towards U.S. large-cap growth stocks, with a significant 50% allocation to a single ETF that focuses on this segment. Additionally, the inclusion of specific large-cap tech companies like Apple, Meta, Microsoft, and NVIDIA further emphasizes a technology-centric approach. The diversification across other sectors and geographies is present but limited, as seen in the 10% allocation to international stocks and the minor positions in dividend-oriented and short-term treasury ETFs. This composition suggests a strategy aiming for growth, primarily through equity investments in well-established companies, while maintaining a smaller portion in cash equivalents for stability.

Growth Info

Historically, this portfolio has demonstrated a robust Compound Annual Growth Rate (CAGR) of 20.82%, although it has experienced a significant maximum drawdown of -33.28%. This performance indicates a strong growth trajectory but comes with considerable volatility, as evidenced by the substantial drawdown. The days contributing to 90% of returns being concentrated in just 32.0 days highlights the portfolio's reliance on short periods of significant gains, a characteristic often seen in growth-focused investments.

Projection Info

The Monte Carlo simulation, using 1,000 scenarios, suggests a wide range of potential outcomes, with the 50th percentile projecting an impressive 2,109.6% increase. This forward projection, while optimistic, underscores the inherent uncertainty and risk in the market, especially given the portfolio's growth orientation. It's crucial to understand that such simulations use historical data to estimate future performance, which does not guarantee future results.

Asset classes Info

  • Stocks
    90%
  • Cash
    10%

The portfolio's asset allocation is heavily skewed towards stocks (90%), with a minor allocation in cash equivalents (10%) and no exposure to bonds or other asset classes. This allocation supports the portfolio's growth objectives but also increases its susceptibility to market volatility. Diversifying across more asset classes could help mitigate risk while still allowing for significant growth potential.

Sectors Info

  • Technology
    43%
  • Telecommunications
    13%
  • Consumer Discretionary
    8%
  • Financials
    7%
  • Health Care
    6%
  • Industrials
    5%
  • Consumer Staples
    3%
  • Energy
    3%
  • Basic Materials
    1%
  • Real Estate
    1%

With 43% of the portfolio concentrated in technology, followed by other sectors like communication services and consumer cyclicals, the portfolio is positioned to benefit from growth in these dynamic industries. However, this heavy concentration also exposes it to sector-specific risks, such as regulatory changes or market sentiment shifts. Balancing this with investments in more stable sectors could reduce volatility.

Regions Info

  • North America
    81%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%

The geographic allocation is heavily North American-centric (81%), with minimal exposure to developed Europe, emerging Asia, and Japan. This focus aligns with the portfolio's growth and technology orientation, given the dominance of U.S. tech companies. However, increasing international diversification could provide access to growth opportunities in other regions and reduce geopolitical and regional economic risks.

Market capitalization Info

  • Mega-cap
    57%
  • Large-cap
    20%
  • Mid-cap
    11%
  • Small-cap
    2%

The portfolio's emphasis on mega (57%) and big (20%) cap stocks aligns with its growth and stability goals, as these companies often have more established business models and market positions. However, this focus may limit exposure to the potentially higher growth rates of mid and small-cap companies, which could offer diversification benefits and additional growth avenues.

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 current portfolio's risk-return profile could be optimized further. While it already seeks to balance growth with risk, the analysis suggests that an adjusted allocation could achieve a slightly higher expected return of 2.91% at a similar risk level. This optimization would involve rebalancing across the existing assets to fine-tune the portfolio's risk-return characteristics.

Dividends Info

  • Apple Inc 0.50%
  • Meta Platforms Inc. 0.30%
  • Microsoft Corporation 0.50%
  • Schwab U.S. Dividend Equity ETF 3.70%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • iShares® 0-3 Month Treasury Bond ETF 4.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.34%

The portfolio's overall dividend yield of 1.34% reflects its growth orientation, with lower emphasis on income generation through dividends. The yields from the individual equities and ETFs indicate a blend of growth and income, with the highest yield coming from the short-term treasury ETF. For investors seeking income, increasing the allocation to higher-yielding assets could provide a better balance between growth and income.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

The portfolio's costs are impressively low, with a total expense ratio (TER) averaging 0.04%. This efficient cost structure supports better long-term performance by minimizing the drag on returns. Maintaining low costs is crucial for enhancing net returns, especially in a growth-focused portfolio where compounding plays a significant role.

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