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Growth-oriented portfolio with a strong foundation in US equities and diversified international exposure

Report created on Jul 27, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

The portfolio is heavily weighted towards the Vanguard S&P 500 ETF at 50%, indicating a strong foundation in large-cap US equities. The inclusion of Vanguard Small-Cap Value Index Fund ETF Shares and Vanguard FTSE Emerging Markets Index Fund ETF Shares enhances diversification by tapping into small-cap value and emerging market segments. The strategic allocations to iShares MSCI USA Momentum and Quality Factor ETFs, alongside the Vanguard FTSE Developed Markets Index Fund ETF Shares, suggest an attempt to balance growth with quality and momentum strategies. This composition underscores a growth-oriented approach while attempting broad diversification across market capitalizations and geographies.

Growth Info

With a historical Compound Annual Growth Rate (CAGR) of 12.72% and a maximum drawdown of -35.07%, the portfolio demonstrates robust growth potential tempered by significant volatility. The days contributing to 90% of returns being concentrated in just 28.0 days highlights the portfolio's sensitivity to market movements. This performance profile suggests that while the portfolio has offered strong returns, it comes with a higher risk level, characteristic of growth-oriented investments. Comparing these metrics against benchmarks could provide further insights into risk-adjusted performance.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with a median increase of 292.9%, indicating potential for substantial growth. However, the broad spread between the 5th and 67th percentiles underscores the uncertainty and risk inherent in this portfolio. While the simulations suggest a high likelihood of positive returns, investors should be prepared for volatility and the possibility of periods of underperformance. It's crucial to understand that these projections are based on historical data, which is not a guarantee of future performance.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is overwhelmingly in stocks (99%), with a minimal cash holding. This allocation is consistent with a growth investment strategy but comes with higher market risk compared to more balanced or conservative allocations. The lack of fixed income or alternative investments limits the portfolio's ability to hedge against stock market volatility. Investors might consider diversifying into other asset classes to manage risk more effectively, especially in turbulent market conditions.

Sectors Info

  • Technology
    25%
  • Financials
    17%
  • Consumer Discretionary
    11%
  • Industrials
    11%
  • Telecommunications
    9%
  • Health Care
    8%
  • Consumer Staples
    6%
  • Real Estate
    3%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    3%

The sectoral distribution with a heavy emphasis on technology and financial services aligns with the growth focus of the portfolio. However, this concentration may expose the portfolio to sector-specific risks, such as regulatory changes or economic cycles affecting these industries. Diversifying into underrepresented sectors could provide a buffer against such risks, potentially stabilizing returns during sector downturns.

Regions Info

  • North America
    80%
  • Asia Emerging
    7%
  • Europe Developed
    5%
  • Asia Developed
    3%
  • Japan
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic allocation heavily favors North America (80%), with smaller exposures to emerging and developed markets in Asia and Europe. This concentration in North American equities, while potentially capitalizing on the US market's growth, may limit exposure to global growth opportunities and increase vulnerability to regional economic fluctuations. Broadening geographic diversification could reduce risk and tap into growth in other regions.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    30%
  • Mid-cap
    18%
  • Small-cap
    10%
  • Micro-cap
    2%

The portfolio's market capitalization exposure, with a significant tilt towards mega and big-cap stocks, supports a stability and growth objective. However, the allocation to small and micro-cap stocks, although modest, introduces higher volatility and potential for growth. Balancing market cap exposure can optimize the trade-off between risk and return, especially in different market cycles.

Redundant positions Info

  • Vanguard S&P 500 ETF
    iShares MSCI USA Quality Factor ETF
    High correlation

The high correlation between the Vanguard S&P 500 ETF and the iShares MSCI USA Quality Factor ETF indicates overlapping exposures that may not contribute to diversification. Reducing investment in highly correlated assets can enhance the portfolio's risk-adjusted return profile by minimizing redundancy and potentially lowering volatility without sacrificing expected 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.

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The portfolio's current allocation suggests room for optimization, particularly by addressing the overlap in highly correlated assets. Employing the Efficient Frontier concept could identify a mix of assets that maximizes returns for a given level of risk. This optimization process might involve reallocating funds from overlapping assets to underrepresented sectors or asset classes, improving diversification and potentially enhancing the risk-return profile.

Dividends Info

  • iShares MSCI USA Momentum Factor ETF 0.90%
  • iShares MSCI USA Quality Factor ETF 1.00%
  • Vanguard Small-Cap Value Index Fund ETF Shares 2.00%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.58%

The portfolio's dividend yield, averaging 1.58%, contributes to its total return, offering a mix of growth and income. The higher yields from certain ETFs, like the Vanguard FTSE Developed Markets and Emerging Markets Index Fund ETF Shares, indicate an income component that complements capital appreciation. Investors might consider the role of dividends in their overall investment strategy, balancing income generation with growth objectives.

Ongoing product costs Info

  • iShares MSCI USA Momentum Factor ETF 0.15%
  • iShares MSCI USA Quality Factor ETF 0.15%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.06%

With a total expense ratio (TER) of 0.06%, the portfolio benefits from relatively low costs, enhancing net returns over the long term. The emphasis on low-cost ETFs is a prudent strategy, as reduced expenses directly translate to better performance. Continuously monitoring and managing costs remains essential for optimizing investment outcomes.

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