A growth-focused portfolio with a strong emphasis on global equities and tech exposure

Report created on Jun 2, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is heavily weighted towards ETFs, with a significant concentration in Vanguard's Total World, Total Stock Market, and Total International Stock Index Funds. This structure suggests a preference for broad market exposure, complemented by targeted investments in major tech companies like Sea Ltd and Alibaba Group. The inclusion of specific emerging markets ETFs indicates an attempt to capture growth in these regions, albeit with a cautious approach given their smaller allocation.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 15.19% and a maximum drawdown of -65.43%, the portfolio demonstrates robust growth potential tempered by significant volatility. The days contributing to 90% of returns are notably few, highlighting the impact of short-term gains. This performance, while impressive, underscores the inherent risks associated with growth-oriented investments, particularly in volatile sectors and emerging markets.

Projection Info

Monte Carlo simulations, projecting future performance based on historical data, suggest a wide range of outcomes with a median increase of 167.5%. However, the presence of scenarios with a -71% return highlights the portfolio's risk. While these simulations provide valuable insights, they are inherently limited by past trends and cannot predict future market movements with certainty.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's allocation is overwhelmingly in stocks (99%), offering high growth potential but also higher volatility. The minimal cash holding (1%) provides limited liquidity and buffer against market downturns. Diversifying across more asset classes could reduce risk without significantly compromising growth potential.

Sectors Info

  • Consumer Discretionary
    23%
  • Technology
    20%
  • Financials
    15%
  • Industrials
    9%
  • Health Care
    9%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

Sector allocation is heavily skewed towards Consumer Cyclicals and Technology, sectors known for their growth potential but also for their higher volatility. Financial Services and Industrials also have significant representations, providing some balance. However, the concentration in high-growth sectors may increase the portfolio's sensitivity to market cycles and economic changes.

Regions Info

  • North America
    53%
  • Asia Developed
    14%
  • Europe Developed
    12%
  • Asia Emerging
    11%
  • Japan
    5%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic allocation shows a strong bias towards North America and developed Asian markets, with a modest allocation to emerging markets. This distribution supports growth while mitigating risk through geographical diversification. However, the underrepresentation of certain regions, such as Latin America and Africa/Middle East, may limit exposure to potential high-growth areas.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    37%
  • Mid-cap
    16%
  • Small-cap
    5%
  • Micro-cap
    1%

The focus on Mega and Big cap stocks (77% combined) aligns with the portfolio's growth and stability goals, as these companies tend to be more resilient during market fluctuations. However, the relatively smaller allocation to Medium, Small, and Micro caps suggests a missed opportunity for higher growth, albeit with increased risk.

Redundant positions Info

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

The high correlation between Vanguard's Total World and Total Stock Market Index Funds indicates redundancy, which could be limiting the portfolio's diversification benefits. Reducing overlap by reallocating assets could enhance the portfolio's risk-adjusted returns without significantly altering its growth trajectory.

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.

Optimizing the portfolio involves addressing the high correlation between certain assets to improve diversification. Focusing on this before making other adjustments can enhance the portfolio's efficiency, potentially offering a better risk-return profile by leveraging the Efficient Frontier concept.

Dividends Info

  • Alibaba Group Holding Ltd 0.60%
  • Franklin FTSE China ETF 2.60%
  • Vanguard Total World Stock Index Fund ETF Shares 1.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.30%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 3.00%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.64%

The portfolio's dividend yield contributes to its total return, with yields ranging from 0.60% to 3.00% across individual holdings. While not the primary focus, dividends offer a stream of income, adding a layer of return that can be particularly valuable during market downturns or for reinvestment.

Ongoing product costs Info

  • Franklin FTSE China ETF 0.19%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

The portfolio's overall low cost, with a Total Expense Ratio (TER) of 0.04%, is commendable, allowing for more of the returns to compound over time. Keeping costs low is crucial for long-term growth, as high fees can significantly erode investment gains.

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