A growth oriented portfolio with strong tech tilt and impressive historic and projected performance

Report created on Aug 21, 2024

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is built almost entirely from broad stock index funds, with a noticeable tech fund overlay and a small tilt toward small‑cap value. That structure leans clearly toward growth, while still keeping a broadly diversified core that looks similar to a global equity benchmark. Having most of the money in total market funds is helpful because it automatically spreads risk across thousands of companies instead of a few names. The added tech and small‑cap value pieces create intentional tilts. It can be useful to periodically check whether those tilts still match your comfort level with volatility and your timeline, and trim or add around the edges rather than overhauling the core.

Growth Info

Historically, this mix has done extremely well, with a compound annual growth rate (CAGR) of about 17.2%. CAGR is just the average yearly “speed” of growth over time, smoothing out ups and downs. A hypothetical $10,000 invested over a full market cycle would have grown far faster than a typical global stock benchmark, which is a strong sign the growth tilt has paid off so far. The flip side is a max drawdown of about –33.7%, meaning a big temporary drop. That level of decline lines up with an aggressive equity portfolio. It’s wise to assume similar or worse drops can happen again and plan behavior in advance.

Projection Info

The Monte Carlo results look extremely optimistic, with a 50th percentile outcome of more than a seven‑fold gain and an average simulated annual return around 19%. Monte Carlo simulation basically takes past return and volatility patterns, scrambles them thousands of times, and shows a range of possible futures instead of one guess. These numbers suggest a high probability of positive long‑term results, which fits the all‑equity profile. But simulations lean heavily on history; if markets are less generous than in recent decades, future returns could be much lower. Treat these outputs as rough guardrails, not promises, and stress‑test plans against weaker scenarios.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Almost 99% of the portfolio is in stocks, with just 1% in cash and nothing meaningful in bonds or alternatives. That is more aggressive than many blended benchmarks, which often hold a mix of stocks and bonds to smooth the ride. An all‑equity setup maximizes long‑term growth potential but also maximizes exposure to market swings, including deep and sudden drawdowns. For someone with many years before needing the money, this structure can work well. If the spending horizon is getting closer, gradually layering in some stabilizing assets outside stocks could help reduce the impact of inevitable bear markets on withdrawal plans.

Sectors Info

  • Technology
    45%
  • Financials
    13%
  • Industrials
    8%
  • Consumer Discretionary
    8%
  • Telecommunications
    6%
  • Health Care
    6%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is heavily tilted toward technology at around 45%, noticeably higher than many broad equity benchmarks, with financials, industrials, cyclicals, and healthcare all playing smaller but still meaningful roles. A tech‑heavy profile can turbocharge returns in periods when innovation, digital adoption, and growth stocks lead, which matches recent history and helps explain the strong performance. The trade‑off is higher sensitivity to interest rates, regulation, and shifts in investor sentiment toward high‑growth businesses. This sector mix is directionally sound for a growth profile, but it’s worth deciding in advance how comfortable you are if tech meaningfully underperforms for a decade.

Regions Info

  • North America
    73%
  • Europe Developed
    11%
  • Asia Emerging
    5%
  • Japan
    4%
  • Asia Developed
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 73% sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, and small slices of emerging regions. That home bias toward the U.S. is common and has been rewarded over the last decade as U.S. markets outperformed many peers. The global exposure is still broad enough to align reasonably well with widely used benchmarks, which is a positive sign for diversification. The smaller positions in emerging and non‑U.S. developed markets may lag or lead for long stretches. Sticking with this spread through cycles can be helpful, rather than trying to time which region will win next.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    33%
  • Mid-cap
    15%
  • Small-cap
    5%
  • Micro-cap
    2%

Market‑cap exposure leans toward larger companies, with roughly three‑quarters in mega and big caps, and the remainder in mid, small, and a small slice of micro caps. This is quite similar to standard global equity indexes, so it lines up nicely with common benchmarks and supports good diversification across company sizes. The small allocation to small‑cap value adds a subtle tilt toward cheaper, more economically sensitive companies, which can boost returns over very long periods but may lag during growth‑led rallies. Periodic rebalancing back to target weights can keep that size and style mix from drifting too far as markets move.

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.

On a risk‑return chart, this portfolio likely plots as a high‑return, high‑volatility point near the upper edge of what an all‑equity mix can do. The Efficient Frontier is the curve showing the best possible risk‑return combinations using a given set of investments. Within the current lineup, there may be ways to slightly reduce volatility—such as dialing back the dedicated tech slice or modestly shifting between broad funds—while keeping expected returns similar. “Efficiency” here is about the smoothest ride for the same average speed, not necessarily more diversification or different products. Backtests help, but any optimization remains based on uncertain historical patterns.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Technology Select Sector SPDR® Fund 0.50%
  • Weighted yield (per year) 1.41%

The overall dividend yield of about 1.4% is on the lower side, which is typical for a growth‑oriented equity mix and especially for a tech‑tilted allocation. Dividends are the cash payments companies send to shareholders, and they can form a significant part of total return over decades. In this case, most of the expected payoff is from price appreciation rather than income. That’s perfectly fine for someone still in the accumulation phase who reinvests payouts. If the goal later shifts toward generating regular cash flow, shifting a portion of the portfolio toward higher‑yielding assets could make withdrawals more predictable without relying solely on selling shares.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Technology Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.06%

The blended expense ratio of about 0.06% is impressively low and a real strength of this setup. Costs like the total expense ratio (TER) are the quiet drag on returns that compound against you over time, much like a slow leak in a tire. Being this close to rock‑bottom index fees means more of the portfolio’s growth stays in your pocket instead of going to fund managers. This aligns very closely with best practices and leading benchmarks. The big win here is that there’s no pressing need to chase cheaper options; the focus can stay on allocation, behavior, and long‑term planning instead.

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