A tech tilted growth portfolio with strong global reach and impressively low overall investing costs

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

What type of investor this portfolio is suitable for

Growth Investors

This setup suits an investor who is comfortable with meaningful market swings in pursuit of strong long‑term growth. They likely have a multi‑decade horizon, steady income outside the portfolio, and no near‑term need to withdraw large amounts. They value innovation, global diversification, and equity ownership, and they’re willing to ride out 30%+ drawdowns without panicking. Income today is a lower priority than building substantial wealth over time. This type of investor tends to be engaged, follows market trends, and accepts that high‑growth strategies will not outperform every year. Emotional resilience during downturns and patience through cycles are key personality traits that match this kind of allocation.

Positions

  • Alphabet Inc Class A
    GOOGL - US02079K3059
    18.30%
  • SPDR S&P 500 ETF Trust
    SPY - US78462F1030
    17.48%
  • ASE Industrial Holding Co Ltd ADR
    ASX - US00215W1009
    14.11%
  • Invesco PHLX Semiconductor ETF
    SOXQ - US46138G6153
    13.14%
  • iShares Core MSCI Emerging Markets ETF
    IEMG - US46434G1031
    11.58%
  • Apple Inc
    AAPL - US0378331005
    8.79%
  • Alibaba Group Holding Ltd
    BABA - US01609W1027
    6.72%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    VEA - US9219438580
    5.28%
  • Avantis® International Small Cap Value ETF
    AVDV - US0250728021
    2.82%
  • KraneShares Electric Vehicles and Future Mobility Index
    KARS - US5007678270
    1.77%

This portfolio is heavily tilted to individual growth stocks and broad equity ETFs, with all assets in stocks and no bonds or cash. A few large positions in big tech names plus a major semiconductor focus create a concentrated growth tilt, while global ETFs provide a nice diversified backbone. This structure matters because big single positions can drive returns but also magnify swings, especially in volatile markets. Keeping the strong core of broad funds while gradually softening the reliance on a few big names can help smooth the ride. Shifting a small slice into more defensive or lower‑volatility holdings could add resilience without abandoning the core growth profile.

Growth Info

Historically this mix has done extremely well, with a roughly 19.5% compound annual growth rate (CAGR), meaning a $10,000 start might have grown to around $48,000 over ten years. The trade‑off is a steep maximum drawdown of about 32%, showing that values can fall sharply during market stress. That combo—high growth and deep drops—is classic for tech‑heavy, stock‑only portfolios. This is very much in line with a growth risk profile and shows the approach has been rewarded so far. Still, no matter how strong the past numbers look, it’s wise to expect future returns to be bumpier and likely lower than this historical run.

Projection Info

The Monte Carlo analysis, which runs 1,000 random future paths based on historical patterns, shows a wide spread of possible outcomes. Monte Carlo is basically a way of rolling the dice many times on returns using past volatility and correlations to see what ranges might happen. Here, the median outcome is very strong, and even the average simulated annual return around 17% looks impressive. But the 5th percentile still shows a material loss, reminding you that bad luck sequences do occur. It’s helpful to treat these simulations as weather forecasts: they show what could happen, not what will happen. Using these ranges, tightening risk a bit can make the downside scenarios more tolerable.

Asset classes Info

  • Stocks
    100%
  • Cash
    0%
  • Other
    0%
  • No data
    0%

All assets sit in the stock bucket, with 0% in bonds, cash, or alternatives. That pure‑equity stance maximizes long‑term growth potential but also maximizes sensitivity to market cycles, interest rates, and economic shocks. Compared with many broad “growth” benchmarks that still carry some bonds or defensive assets, this is clearly more aggressive. For someone with a long horizon and stable income, that can be perfectly reasonable. To make the ride smoother, even a modest allocation to stabilizing assets—such as short‑term fixed income or ultra‑low‑risk vehicles—could help cushion large drawdowns. Keeping the core equity allocation dominant while introducing just a small safety sleeve may improve overall comfort in severe downturns without dramatically changing the growth character.

Sectors Info

  • Technology
    46%
  • Telecommunications
    21%
  • Consumer Discretionary
    11%
  • Financials
    6%
  • Industrials
    4%
  • Health Care
    3%
  • Basic Materials
    3%
  • Consumer Staples
    2%
  • Energy
    1%
  • Utilities
    1%
  • Real Estate
    1%

Sector exposure is strongly skewed toward technology and related areas, with tech and communication services together driving well over half of the portfolio, plus a dedicated semiconductor tilt. That’s why performance has been so strong: these areas have led markets in recent years. It also means the portfolio will likely react sharply to interest‑rate changes, regulation, and shifts in innovation trends. Compared with broader benchmarks, this tilt is more concentrated and more sensitive to tech cycles. The smaller weights in healthcare, financials, and defensives are a positive step toward balance. You could keep your growth edge while slowly adding more cyclical, defensive, or income‑oriented sectors to reduce reliance on a single growth engine.

Regions Info

  • North America
    57%
  • Asia Emerging
    20%
  • Asia Developed
    12%
  • Europe Developed
    5%
  • Japan
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Australasia
    1%
  • Europe Emerging
    0%

Geographically, the mix is quite healthy: just over half in North America with significant exposure to emerging and developed Asia, plus Europe and other regions. This allocation is well‑balanced and aligns closely with global standards, which helps reduce the impact of any one country’s economy. The meaningful slice in emerging markets adds growth potential but also higher volatility and political risk. Compared with many US‑home‑biased portfolios, this one is impressively global, which is a real strength. Fine‑tuning could involve checking whether the non‑US exposure feels intentional in size and risk. Adjusting slightly up or down based on comfort with currency swings and local risks can personalize the global tilt without losing diversification benefits.

Market capitalization Info

  • Mega-cap
    54%
  • Large-cap
    33%
  • Mid-cap
    11%
  • Small-cap
    2%
  • Micro-cap
    0%

Market‑cap exposure is dominated by mega and large companies, with over 85% in big names and only a small slice in mid and small caps. Large caps often provide more stability, stronger balance sheets, and better liquidity, which is good for risk control. At the same time, smaller companies historically offer higher growth potential but bumpier rides. Compared with many global equity benchmarks, this leaning toward mega caps is quite typical, especially when major index ETFs and leading tech stocks are present. If you want to seek a bit more long‑term growth and diversification, gently increasing exposure to mid and small caps through broad funds can add an extra return engine without creating excessive single‑stock risk.

Redundant positions Info

  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    Avantis® International Small Cap Value ETF
    High correlation

Most holdings move broadly in the same direction, especially during big market moves, because they’re all equities and several funds cover overlapping regions. The high correlation between the two international developed holdings is a good example: they behave similarly, so holding both doesn’t add much diversification. Correlation simply measures how often two assets move together; high correlation can limit protection in downturns. That said, some overlap is fine and often unavoidable with index funds. To streamline, trimming or consolidating overlapping positions that track similar regions or styles can make the portfolio easier to manage, slightly reduce complexity, and still maintain the same main risk and return profile.

Dividends Info

  • Apple Inc 0.40%
  • ASE Industrial Holding Co Ltd ADR 1.60%
  • Avantis® International Small Cap Value ETF 2.70%
  • Alibaba Group Holding Ltd 1.20%
  • Alphabet Inc Class A 0.30%
  • iShares Core MSCI Emerging Markets ETF 2.50%
  • KraneShares Electric Vehicles and Future Mobility Index 0.20%
  • Invesco PHLX Semiconductor ETF 0.40%
  • SPDR S&P 500 ETF Trust 1.00%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.15%

The total dividend yield of around 1.15% is modest, which fits a growth‑oriented, tech‑heavy approach. Many of the big drivers here are companies and funds that reinvest earnings into expansion rather than paying high dividends. Dividends can act like “paychecks” from your investments, providing some stability in choppy markets, but they’re not the main story in this portfolio. For someone focused on total return rather than current income, this alignment is appropriate and consistent. If, over time, steady cash flow becomes more important—say approaching retirement—shifting a portion into more dividend‑oriented or income‑focused holdings could gradually raise the yield without a sudden style change.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • iShares Core MSCI Emerging Markets ETF 0.09%
  • KraneShares Electric Vehicles and Future Mobility Index 0.72%
  • Invesco PHLX Semiconductor ETF 0.19%
  • SPDR S&P 500 ETF Trust 0.10%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.08%

The ongoing fund costs are impressively low overall, with a total expense ratio around 0.08%, which is excellent for long‑term compounding. TER (Total Expense Ratio) is like a small annual service fee taken by funds; over decades, even 0.3–0.5% differences can add up significantly. This portfolio’s use of low‑cost broad ETFs is a big strength and directly supports better net returns relative to higher‑fee strategies. A couple of more specialized funds carry higher fees, but in small weights, so they don’t drag much. Periodically checking whether the higher‑cost niche exposures are still pulling their weight can help keep the cost advantage intact while preserving the desired tilts.

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.

From a risk‑return standpoint, this portfolio likely sits above average on the Efficient Frontier for pure‑equity growth. The Efficient Frontier is just a curve showing the best possible trade‑offs between risk (ups and downs) and return for a given set of assets. Here, the message that stands out is the opportunity to simplify before optimizing. Reducing overlapping holdings that move nearly in lockstep can clean up the structure and make any later fine‑tuning more meaningful. Once overlaps are trimmed, adjusting the mix between the existing growth engines and more stabilizing holdings could nudge the portfolio closer to an “efficient” point—keeping expected returns high while modestly dialing down volatility.

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