A balanced and growth-focused portfolio with a strong tilt towards technology and North American stocks

Report created on Jun 11, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is predominantly invested in equities, with a 50% allocation in the Vanguard S&P 500 ETF, 25% in the Invesco NASDAQ 100 ETF, and a 10% stake in the Vanguard Total International Stock Index Fund ETF Shares, showcasing a clear preference for U.S. and technology stocks. The inclusion of 15% in SPDR® Gold Shares introduces a non-stock asset class, offering a hedge against market volatility and inflation. The asset allocation reflects a balanced risk profile but leans towards growth, given the heavy weight in equities, particularly in sectors like technology and consumer cyclicals.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 14.28% and a maximum drawdown of -25.75%, the portfolio has demonstrated strong growth potential alongside significant volatility. The days contributing to 90% of returns being limited to 20 indicates that the portfolio's performance is subject to sharp, short-term movements, typical of equity-heavy strategies. This historical performance suggests resilience in bull markets but also a need for caution during market downturns.

Projection Info

Utilizing Monte Carlo simulations, which project future outcomes based on historical data, the portfolio shows a wide range of potential future values. With 994 out of 1,000 simulations yielding positive returns and a median projected increase of 451.2%, the forward outlook appears promising. However, it's important to remember that these simulations are based on past performance, which is not a reliable indicator of future results.

Asset classes Info

  • Stocks
    85%
  • Other
    15%

The portfolio's asset class distribution, with 85% in stocks and 15% in other assets (primarily gold), indicates a strong growth orientation balanced by a modest hedge against market downturns. This allocation supports a balanced risk profile but may skew towards higher volatility due to the significant equity exposure. Diversifying further into fixed income or real estate could offer additional protection against equity market fluctuations.

Sectors Info

  • Technology
    30%
  • Consumer Discretionary
    10%
  • Financials
    9%
  • Telecommunications
    9%
  • Health Care
    8%
  • Industrials
    6%
  • Consumer Staples
    5%
  • Energy
    2%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    1%

The technology sector's 30% allocation highlights a conviction in tech-driven growth but also introduces sector-specific risk, particularly from market corrections or regulatory changes. The diversified exposure across other sectors like consumer cyclicals and financial services mitigates this risk somewhat, though the portfolio could benefit from a broader sectoral spread to reduce volatility and improve resilience.

Regions Info

  • North America
    75%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%

With 75% of the portfolio allocated to North American assets, there's a strong home bias that may limit global diversification benefits. While this focus has likely contributed to the portfolio's robust performance, given the strength of U.S. markets, increasing exposure to developed European and Asian markets, as well as emerging markets, could offer improved diversification and access to growth outside the U.S.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    29%
  • No data
    15%
  • Mid-cap
    13%
  • Small-cap
    1%

The dominance of mega and big-cap stocks (70% combined) supports the portfolio's balanced risk profile by focusing on established, less volatile companies. However, the 15% in unknown and minimal exposure to small and micro-cap stocks suggests room for greater diversification. Incorporating more small to medium-cap stocks could enhance growth potential and diversification, albeit with increased risk.

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 current allocation demonstrates a well-considered balance between risk and return, leaning towards growth within a balanced risk framework. While the Efficient Frontier suggests potential for optimization, particularly in diversifying across more asset classes and reducing sector-specific risk, the portfolio already aligns closely with a balanced, growth-oriented investment strategy. Adjustments should be made with careful consideration of the investor's risk tolerance and long-term goals.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.60%
  • Vanguard S&P 500 ETF 1.30%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.09%

The portfolio's average dividend yield of 1.09% contributes to its total return, with the Vanguard Total International Stock Index Fund ETF Shares offering the highest yield at 2.90%. While the focus on growth stocks typically results in lower dividend yields, this income stream provides a cushion during market downturns and can be reinvested for compounding growth.

Ongoing product costs Info

  • SPDR® Gold Shares 0.40%
  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.12%

With a total expense ratio (TER) of 0.12%, the portfolio is cost-efficient, enhancing long-term return potential by minimizing drag on performance. The low costs are commendable, particularly given the diversified exposure across major asset classes and sectors. Maintaining focus on low-cost investments is crucial for maximizing net returns over time.

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