This portfolio has only about 1.1 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

Growth-focused portfolio with high concentration in tech and healthcare stocks

Report created on Aug 2, 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.

What type of investor this portfolio is suitable for

Growth Investors

This portfolio suits an investor with a high risk tolerance and a long-term investment horizon, seeking substantial capital growth. The investor is likely comfortable with significant market fluctuations and sector concentration, prioritizing potential high returns over stability or income. Such an investor should be financially secure, with the ability to withstand periods of underperformance without needing to liquidate assets.

Positions

The portfolio is heavily weighted towards equities, with a significant concentration in the technology and healthcare sectors. Notably, individual stocks like AbbVie Inc, Amazon.com Inc, and NVIDIA Corporation represent large portions of the portfolio, indicating a preference for high-growth potential companies. The inclusion of broad-market ETFs such as the Vanguard Total Stock Market Index Fund ETF Shares and the Vanguard Total World Stock Index Fund ETF Shares suggests an attempt at diversification, though the overall diversity is low. This composition reflects a growth-oriented strategy but comes with increased volatility and risk.

Growth Info

The portfolio has shown impressive historical performance, with a Compound Annual Growth Rate (CAGR) of 32.25%. However, the maximum drawdown of -23.80% indicates periods of significant value decline, which is typical for high-growth, high-risk portfolios. The concentration in high-volatility sectors like technology contributes to this risk profile. While past performance is a useful indicator, it's important to remember that it doesn't guarantee future results, especially in a portfolio with high sector concentration.

Projection Info

The Monte Carlo simulation, which projects potential future outcomes based on historical data, shows a wide range of possibilities, from extreme losses to substantial gains. While the median outcome suggests a decline, the simulation also indicates a possibility for very high returns. This underscores the high-risk, high-reward nature of the portfolio. Investors should be cautious, as these projections are speculative and depend on past market behavior, which may not repeat in the future.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely composed of stocks, with no exposure to bonds, cash, or alternative investments. This allocation aligns with a growth-focused strategy but lacks the balance that other asset classes can provide. Diversifying across different asset classes can reduce risk and smooth out returns over time, especially during periods when the stock market is underperforming.

Sectors Info

  • Financials
    27%
  • Technology
    22%
  • Health Care
    21%
  • Consumer Discretionary
    14%
  • Telecommunications
    5%
  • Consumer Staples
    4%
  • Industrials
    3%
  • Energy
    1%
  • Basic Materials
    1%
  • Real Estate
    1%
  • Utilities
    1%

Sector allocation highlights a strong emphasis on financial services, technology, and healthcare, which are sectors often associated with high growth. However, this concentration also increases susceptibility to sector-specific downturns. Balancing sector exposure by incorporating more defensive sectors like utilities or consumer staples could provide stability during market volatility.

Regions Info

  • North America
    97%
  • Europe Developed
    2%
  • Asia Emerging
    1%
  • Japan
    1%

The geographic allocation is heavily skewed towards North America, with minimal exposure to international markets. This focus enhances the portfolio's vulnerability to region-specific economic and political events. Expanding into developed European markets or emerging markets could offer growth opportunities and reduce geographic risk.

Market capitalization Info

  • Mega-cap
    57%
  • Large-cap
    20%
  • Mid-cap
    18%
  • Small-cap
    3%
  • Micro-cap
    2%

The portfolio favors mega and big-cap stocks, which are typically less volatile than smaller companies. This preference for larger companies is consistent with a growth strategy but limits exposure to the potentially higher returns of small and micro-cap stocks. Incorporating a wider range of market capitalizations could enhance returns and diversification.

Redundant positions Info

  • Vanguard Total World Stock Index Fund ETF Shares
    Schwab U.S. Large-Cap Growth ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation among some ETFs and individual stocks indicates overlapping exposures, which can limit diversification benefits. For example, the Vanguard Total World Stock Index Fund ETF Shares and the Schwab U.S. Large-Cap Growth ETF share significant overlap with the Vanguard Total Stock Market Index Fund ETF Shares. Reducing such redundancies could improve the portfolio's risk-adjusted performance.

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.

Optimizing the portfolio using the Efficient Frontier could identify an allocation that offers a better risk-return balance. This might involve reducing overlap in highly correlated assets and increasing diversification across asset classes, sectors, and geographies. The goal is to achieve the most favorable risk-adjusted returns without necessarily compromising the growth focus.

Dividends Info

  • AbbVie Inc 2.50%
  • Coca-Cola Consolidated Inc. 2.70%
  • Main Street Capital Corporation 6.50%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Visa Inc. Class A 0.70%
  • Vanguard Total World Stock Index Fund ETF Shares 1.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 1.53%

The portfolio's dividend yield is relatively low, reflecting its growth orientation over income generation. While growth stocks can offer substantial capital appreciation, incorporating higher-dividend-yielding assets could provide a steady income stream and reduce volatility. This balance is especially relevant for investors who may need periodic cash flows.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.02%

The portfolio benefits from low total expense ratios (TERs) on its ETF holdings, which supports better long-term performance by minimizing costs. Keeping investment costs low is a key factor in maximizing net returns, particularly in a growth-focused portfolio where compound growth plays a significant role.

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