Growth-focused portfolio with heavy tech exposure and global diversification

Report created on Aug 20, 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 ETFs, with a 50% allocation in the Vanguard Total Stock Market Index Fund ETF Shares, 30% in the Invesco NASDAQ 100 ETF, and 20% in the Vanguard Total International Stock Index Fund ETF Shares. This composition suggests a strong preference for equity investments, particularly in the technology sector, and a broad diversification across global markets. The heavy allocation in tech-focused and total market ETFs indicates a growth-oriented strategy, leveraging the high-growth potential of tech companies while maintaining exposure to a wide range of sectors and geographies for balance.

Growth Info

Historically, this portfolio has exhibited a compound annual growth rate (CAGR) of 14.46%, with a maximum drawdown of -28.59%. These figures suggest a relatively high level of risk, but with the potential for substantial returns. The days contributing to 90% of returns being so few highlights the portfolio's volatility and the importance of staying invested during crucial market movements to capture gains. Comparing these metrics to benchmarks would help assess performance relative to similar growth-oriented investments.

Projection Info

Monte Carlo simulations, using historical data to forecast potential future outcomes, suggest a wide range of possibilities for this portfolio. With a median projected growth of 451.8% and 991 out of 1,000 simulations yielding positive returns, the outlook appears favorable. However, the broad spread between the 5th and 67th percentiles underscores the inherent uncertainty and risk. These projections are hypothetical and should be viewed as one of many tools in evaluating potential future performance.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's almost exclusive focus on stocks (99%) with a minimal cash holding (1%) aligns with its growth profile but carries higher volatility and risk. This asset class allocation supports the pursuit of higher returns over the long term but may be susceptible to short-term market fluctuations. Diversifying across different asset classes could provide a buffer against stock market volatility while still aiming for growth.

Sectors Info

  • Technology
    35%
  • Financials
    12%
  • Consumer Discretionary
    11%
  • Telecommunications
    10%
  • Industrials
    9%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Basic Materials
    3%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%

With technology (35%) leading the sector allocation, followed by financial services and consumer cyclicals, the portfolio is positioned to benefit from the growth in tech and consumer-driven markets. However, this concentration also exposes it to sector-specific risks, such as regulatory changes or economic downturns affecting consumer spending. Balancing sector exposure could mitigate some of these risks while still capturing growth opportunities.

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 geographic allocation with 81% in North America and limited exposure to emerging markets (Asia Emerging 3%, Latin America 1%) reflects a focus on developed markets, likely due to their perceived stability and growth potential. However, increasing exposure to emerging markets could offer additional growth opportunities and further diversification, potentially enhancing long-term returns.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    31%
  • Mid-cap
    16%
  • Small-cap
    4%
  • Micro-cap
    1%

The portfolio's emphasis on mega (46%) and big-cap (31%) companies suggests a preference for established, large-scale businesses likely to offer stability and consistent growth. While this may reduce volatility compared to portfolios with higher allocations to small or micro-cap stocks, diversifying into medium, small, or micro-caps could introduce higher growth potential 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.

Considering the Efficient Frontier, which aims to maximize returns for a given level of risk, this portfolio appears well-positioned with its current asset allocation. However, ongoing review and potential adjustment could ensure it remains on the optimal path, balancing risk and return effectively. It's important to remember that "efficiency" is dynamic, and what's optimal today may change as market conditions evolve.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.29%

The dividend yields across the ETFs contribute to the portfolio's total yield of 1.29%, offering a modest income stream in addition to potential capital gains. This yield, while not the primary focus of a growth-oriented strategy, provides a cushion during market downturns and contributes to total returns. Reviewing and potentially increasing exposure to higher-yielding assets could enhance income without significantly altering the portfolio's growth trajectory.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.07%

The portfolio benefits from relatively low costs, with a total expense ratio (TER) of 0.07%, which is favorable for long-term growth as lower costs directly translate to higher net returns. This efficient cost structure is commendable and aligns with best practices for maximizing investment growth over time.

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