A growth-focused portfolio with a strong emphasis on global stocks and minimal bond exposure

Report created on Oct 7, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio is heavily weighted towards equities, with a significant 60% in a total stock market ETF and 25% in an international stock ETF, indicating a growth-oriented strategy. The inclusion of a small-cap value ETF and a growth index ETF, each at 5%, alongside a tax-exempt bond fund, also at 5%, suggests an attempt to balance high-growth potential with some level of risk mitigation and tax efficiency. This composition aligns with a growth profile but leans heavily on stock market performance for returns.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 14.85%, with a maximum drawdown of -33.84%. These figures highlight the portfolio's strong growth potential but also underscore its volatility. The days contributing to 90% of returns being limited to 18 suggests significant gains are concentrated in short, possibly unpredictable periods, emphasizing the growth strategy's inherent risks.

Projection Info

Monte Carlo simulations, based on 1,000 iterations, suggest a wide range of possible outcomes, from a low 5th percentile growth of 28.7% to a median 50th percentile growth of 419.4%. This variance indicates the portfolio's high growth potential but also its significant risk, with a substantial portion of simulations still yielding positive returns.

Asset classes Info

  • Stocks
    94%
  • Bonds
    5%
  • Cash
    1%

The asset allocation shows a heavy tilt towards stocks (94%), with minimal bond holdings (5%) and a negligible cash position (1%). This asset mix supports the portfolio's growth orientation but limits diversification across asset classes, which could mitigate risk during market downturns.

Sectors Info

  • Technology
    26%
  • Financials
    16%
  • Consumer Discretionary
    11%
  • Industrials
    11%
  • Health Care
    8%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

Sectoral allocation is diversified across technology (26%), financial services (16%), and consumer cyclicals (11%), among others, reflecting a balance between high-growth potential sectors and more stable, defensive areas. This sectoral spread can provide some level of protection against market volatility, though the heavy emphasis on technology may increase susceptibility to sector-specific downturns.

Regions Info

  • North America
    72%
  • Europe Developed
    10%
  • No data
    5%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic exposure is predominantly North American (72%), with a reasonable spread across developed European (10%) and emerging Asian (4%) markets. This geographic distribution supports global diversification, though the portfolio may benefit from increased exposure to emerging markets and other developed regions to enhance growth potential and risk dispersion.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    27%
  • Mid-cap
    16%
  • Small-cap
    7%
  • Micro-cap
    4%

The market capitalization breakdown shows a focus on mega (39%) and big (27%) cap stocks, which can offer stability and lower volatility. However, the presence of medium, small, and micro caps (totaling 27%) introduces higher growth potential with corresponding risk, aligning with the portfolio's growth focus.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Vanguard Growth Index Fund ETF Shares
    High correlation

The high correlation between the Total Stock Market and Growth Index ETFs suggests redundancy, which may limit diversification benefits. Reducing overlap by reallocating from highly correlated assets could enhance portfolio efficiency without significantly altering the risk-return profile.

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 Efficient Frontier analysis suggests the portfolio could benefit from optimization by reducing asset overlap and possibly reallocating towards underrepresented sectors or geographies. This would maintain the growth focus while potentially improving the risk-return ratio.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • VANGUARD NEW YORK LONG-TERM TAX-EXEMPT FUND ADMIRAL SHARES 2.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.56%

The portfolio's dividend yield averages 1.56%, with the highest yield from the International Stock ETF (2.70%) and the lowest from the Growth Index ETF (0.40%). While dividends contribute to total returns, the portfolio's focus remains on capital appreciation rather than income generation.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • VANGUARD NEW YORK LONG-TERM TAX-EXEMPT FUND ADMIRAL SHARES 0.09%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

With a Total Expense Ratio (TER) averaging 0.05%, the portfolio is cost-efficient, enhancing long-term return potential. The low costs are commendable, especially given the diversified, global exposure of the assets involved.

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