Growth-focused portfolio with a strong tilt towards technology and large-cap stocks

Report created on Jul 9, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is heavily weighted towards equities, with a significant concentration in the technology sector and large-cap stocks. The allocation includes 60% in a U.S. Dividend Equity ETF, 32.11% in a U.S. Large-Cap Growth ETF, and 7.88% in a Semiconductor ETF. This composition indicates a growth-oriented strategy with a focus on dividend-paying and large-cap growth stocks, alongside a targeted investment in the semiconductor industry. The portfolio's low diversity score suggests a concentrated risk profile, primarily in U.S. markets.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 15.35%, with a maximum drawdown of -32.44%. This performance showcases the portfolio's ability to generate substantial returns, albeit with significant volatility. The days contributing to 90% of returns being concentrated in just 36.0 days highlight the portfolio's dependence on short-term gains, which is typical for growth-oriented investments in sectors like technology.

Projection Info

Monte Carlo simulations, which project future performance based on historical data, suggest a wide range of potential outcomes for this portfolio. With 997 out of 1,000 simulations showing positive returns, the median projected increase is an impressive 1,120.1%, indicating strong growth potential. However, it's essential to remember that these projections are not guarantees and depend on historical market conditions continuing into the future.

Asset classes Info

  • Stocks
    100%

The portfolio's asset allocation is entirely in stocks, with no exposure to bonds, real estate, or other diversifying assets. This singular focus on equities enhances its growth potential but also increases its risk, especially during market downturns. Diversifying across different asset classes could help mitigate some of this risk while still aiming for growth.

Sectors Info

  • Technology
    30%
  • Energy
    12%
  • Consumer Staples
    12%
  • Health Care
    11%
  • Consumer Discretionary
    10%
  • Industrials
    8%
  • Financials
    7%
  • Telecommunications
    7%
  • Basic Materials
    1%

With 30% allocated to technology and significant investments in energy, consumer defensive, and healthcare, the portfolio shows a strong sectoral concentration. While the technology sector can offer high growth rates, it also comes with higher volatility, particularly in response to interest rate changes or economic downturns. Balancing this with more defensive sectors could provide a smoother return profile.

Regions Info

  • North America
    98%
  • Asia Developed
    1%
  • Europe Developed
    1%

The geographic allocation is heavily skewed towards North America (98%), with minimal exposure to developed markets in Asia and Europe. This concentration in the U.S. market leverages the growth potential of the American economy but also exposes the portfolio to regional economic risks. Incorporating more international exposure could enhance diversification and access to global growth opportunities.

Market capitalization Info

  • Large-cap
    46%
  • Mid-cap
    25%
  • Mega-cap
    24%
  • Small-cap
    4%
  • Micro-cap
    1%

The portfolio's market capitalization breakdown shows a preference for big (46%), medium (25%), and mega (24%) cap stocks, with minimal exposure to small and micro caps. This bias towards larger companies typically offers more stability and lower volatility but may limit the portfolio's growth potential compared to more aggressive allocations that include smaller, high-growth companies.

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 shows a strong growth orientation but could benefit from optimization towards the Efficient Frontier, which aims for the highest possible return for a given level of risk. This might involve diversifying across more asset classes, sectors, or geographies to improve the risk-return profile without necessarily sacrificing growth potential.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.40%
  • Weighted yield (per year) 2.44%

The dividend yield of the portfolio averages 2.44%, with the U.S. Dividend Equity ETF contributing significantly to this income stream. This yield provides a steady income component, which can be particularly beneficial in volatile or declining markets. However, the focus on dividends should not overshadow the importance of total return, considering both income and capital gains.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • Weighted costs total (per year) 0.08%

With a total Expense Ratio (TER) of 0.08%, the portfolio benefits from relatively low costs, which can significantly enhance long-term returns. Keeping investment costs low is crucial for maximizing net returns, especially in a growth-focused strategy where every percentage point of return counts.

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