A growth-oriented portfolio with strong US focus and low costs

Report created on Nov 28, 2025

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 heavily weighted towards the Vanguard S&P 500 ETF, making up 66.60% of the allocation, indicating a strong emphasis on large-cap US equities. The inclusion of the Vanguard Total International Stock Index Fund ETF Shares and two small-cap ETFs diversifies the portfolio across geographic regions and company sizes. However, the concentration in the S&P 500 ETF suggests a potential over-reliance on US large-cap stocks, which could expose the portfolio to specific market risks.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 15.55% and a maximum drawdown of -35.15%, the portfolio has demonstrated robust growth with significant volatility. The days contributing most to returns highlight the impact of short-term gains. While past performance is impressive, it's essential to remember that it doesn't guarantee future results. Comparing this to benchmark indices could provide further insights into performance relative to the broader market.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with the median simulation suggesting a substantial potential for growth. However, the significant spread between the 5th and 67th percentiles underscores the uncertainty inherent in these projections. While these simulations are useful for understanding potential volatility and outcomes, they are based on historical data and assumptions that may not predict future market conditions accurately.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's almost exclusive focus on stocks (99%) aligns with its growth profile but comes with higher volatility. The minimal cash holding (1%) provides limited liquidity and risk mitigation. Diversifying across more asset classes, such as bonds or real estate, could offer better risk-adjusted returns, especially in turbulent markets.

Sectors Info

  • Technology
    29%
  • Financials
    16%
  • Consumer Discretionary
    11%
  • Industrials
    10%
  • Health Care
    8%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

The sector allocation shows a heavy tilt towards technology, financial services, and consumer cyclicals. This concentration in high-growth sectors has likely contributed to the portfolio's strong performance but also increases susceptibility to sector-specific downturns. Diversifying more evenly across sectors could reduce volatility without significantly compromising growth potential.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The portfolio's geographic allocation is heavily skewed towards North America (81%), with modest exposure to other regions. This concentration enhances exposure to US market performance but limits potential gains from international markets. Increasing investments in developed European and emerging Asian markets could provide broader diversification and access to global growth opportunities.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    29%
  • Mid-cap
    17%
  • Small-cap
    9%
  • Micro-cap
    4%

The market capitalization allocation favors mega and big-cap stocks, which are typically less volatile than smaller companies. However, the inclusion of small and micro-cap ETFs introduces higher growth potential with added risk. Balancing market cap exposure can optimize the trade-off between risk and return, leveraging the stability of larger companies and the growth potential of smaller firms.

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.

Considering the Efficient Frontier, the portfolio may benefit from rebalancing to achieve an optimal risk-return ratio. While the current allocation has performed well historically, there's potential to enhance returns or reduce volatility through strategic adjustments in asset allocation. This optimization should consider the investor's risk tolerance and investment horizon.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • SPDR Russell Small Cap Completeness 1.40%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.48%

With a total dividend yield of 1.48%, the portfolio provides a modest income stream, contributing to its total return. The higher yield from the Vanguard Total International Stock Index Fund ETF Shares suggests that international holdings could offer both diversification and income benefits. Balancing growth and income-generating assets could provide a more stable return profile.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • SPDR Russell Small Cap Completeness 0.03%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

The portfolio's overall low costs, with a Total Expense Ratio (TER) of 0.05%, support higher net returns over the long term. Low-cost ETFs are an efficient way to gain broad market exposure. However, it's crucial to balance cost considerations with the potential benefits of diversification and risk management that might come from slightly higher-cost investment options.

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