A focused growth portfolio with high exposure to the US total stock market
Report created on Nov 4, 2025Risk profile
5/7
Diversification profile
2/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 100.00%
This portfolio is entirely allocated to the Vanguard Total Stock Market Index Fund ETF Shares, representing a broad exposure to the US stock market. The lack of diversification across asset classes and regions is notable, as it concentrates risk in one geographic area and market. While this approach simplifies the investment strategy, it also limits opportunities to mitigate risk through diversification.
Growth
The portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 14.89%, with a significant maximum drawdown of -35.01%. This performance indicates a strong growth potential but comes with considerable volatility. The days contributing to 90% of returns being concentrated in just 33.0 days highlight the unpredictability and the importance of staying invested through market fluctuations.
Projection
Monte Carlo simulations, using historical data to forecast future outcomes, suggest a wide range of potential portfolio values. With 997 out of 1,000 simulations showing positive returns and a median projected increase of 564.5%, the analysis supports the portfolio's strong growth potential. However, it's crucial to remember that these projections are not guarantees and are based on past market behavior.
Asset classes
- Stocks 99%
- Cash 1%
The portfolio's asset allocation is nearly all in stocks (99%), with a minimal cash holding (1%). This allocation is aggressive and aligns with a growth-focused strategy. However, the absence of other asset classes like bonds or real estate limits the portfolio's ability to hedge against stock market volatility.
Sectors
- Technology 34%
- Financials 13%
- Consumer Discretionary 11%
- Telecommunications 10%
- Health Care 9%
- Industrials 9%
- Consumer Staples 5%
- Energy 3%
- Real Estate 2%
- Utilities 2%
- Basic Materials 2%
Sector distribution within the portfolio leans heavily towards technology (34%), followed by financial services and consumer cyclicals. This sector concentration reflects the current composition of the US stock market but also exposes the portfolio to sector-specific risks, such as regulatory changes or economic shifts affecting technology and finance industries.
Regions
- North America 100%
Geographically, the portfolio is entirely invested in North America, missing out on potential growth and diversification benefits from developed or emerging markets outside the US. This geographic concentration can amplify risks related to the US economy and reduce the portfolio's exposure to global growth opportunities.
Market capitalization
- Mega-cap 41%
- Large-cap 30%
- Mid-cap 19%
- Small-cap 6%
- Micro-cap 2%
The portfolio's market capitalization breakdown—mega (41%), big (30%), medium (19%), small (6%), and micro (2%)—indicates a preference for larger companies, which may offer stability but can also limit growth potential compared to smaller, more agile firms. This allocation suits a conservative growth strategy but may benefit from increased exposure to smaller cap stocks.
Dividends
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Weighted yield (per year) 1.10%
With a total dividend yield of 1.10%, the portfolio offers a modest income component. While the focus is clearly on growth through capital appreciation, dividends can provide a steady income stream and help cushion the impact of market downturns, albeit slightly in this case due to the low yield.
Ongoing product costs
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.03%
The portfolio benefits from exceptionally low costs, with a Total Expense Ratio (TER) of just 0.03%. Low costs are crucial for long-term growth, as they directly enhance net returns. This efficient cost structure is a significant strength, supporting better performance over time.
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