Growth-oriented portfolio with a strong focus on stocks and geographic diversity

Report created on Aug 21, 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 stocks, with a significant allocation across three major funds: Harbor Capital Appreciation Fund, Vanguard Total International Stock Index Fund, and Dodge & Cox Stock Fund. The allocation reflects a growth-oriented strategy, emphasizing stock investments (98%) over cash or other asset classes. Such a composition suggests a pursuit of higher returns, albeit with a corresponding increase in risk, especially given the portfolio's growth profile and its risk score of 5 out of 7.

Growth Info

Historically, this portfolio has demonstrated robust performance with a Compound Annual Growth Rate (CAGR) of 12.79%. The maximum drawdown experienced was -35.06%, indicating a significant but not uncommon level of volatility for growth-oriented stock investments. The days contributing to 90% of returns being concentrated in 29.0 days underscores the impact of high-performing days on overall returns, a characteristic feature of equity investments.

Projection Info

Monte Carlo simulations, which use historical data to forecast potential future performance, suggest a wide range of outcomes for this portfolio. With 970 out of 1,000 simulations showing positive returns and a median projected increase of 327.6%, these projections offer a cautiously optimistic outlook. However, it's vital to remember that such simulations are based on past performance, which is not a reliable indicator of future results.

Asset classes Info

  • Stocks
    98%
  • Cash
    2%

The portfolio's asset class distribution, predominantly in stocks, aligns with its growth profile, offering high return potential but also higher risk. The minimal cash holding (2%) provides limited liquidity and risk mitigation, suggesting a strong focus on long-term growth over short-term volatility management.

Sectors Info

  • Technology
    23%
  • Financials
    15%
  • Health Care
    14%
  • Telecommunications
    13%
  • Consumer Discretionary
    11%
  • Industrials
    11%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    2%

Sector allocation is diversified, with technology (23%) and financial services (15%) leading, followed closely by healthcare and communication services. This sector spread supports potential growth while also exposing the portfolio to sector-specific risks, such as regulatory changes in healthcare or market shifts affecting technology stocks.

Regions Info

  • North America
    67%
  • Europe Developed
    16%
  • Asia Emerging
    5%
  • Japan
    5%
  • Asia Developed
    4%
  • Australasia
    1%
  • Latin America
    1%
  • Africa/Middle East
    1%

Geographic distribution shows a heavy North American focus (67%), complemented by diversified international exposure, including developed Europe and emerging markets in Asia. This global allocation can help mitigate region-specific risks and capitalize on growth opportunities worldwide, though it also introduces currency and geopolitical risks.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    30%
  • Mid-cap
    20%
  • Small-cap
    2%

The portfolio's market capitalization breakdown, favoring mega (46%) and big (30%) cap stocks, suggests a bias towards more established, potentially less volatile companies. However, the inclusion of medium, small, and negligible micro-cap stocks indicates a willingness to embrace higher risk for potentially higher returns.

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.

While the portfolio shows a strong growth orientation and diversification, there's room for optimization towards the Efficient Frontier, potentially by adjusting allocations for a better risk-return trade-off. This process would involve analyzing current positions and considering rebalancing to achieve more efficient diversification without compromising growth objectives.

Dividends Info

  • DODGE & COX STOCK FUND DODGE & COX STOCK FUND 1.00%
  • HARBOR CAPITAL APPRECIATION FUND INSTITUTIONAL CLASS 10.00%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND INSTITUTIONAL SHARES 2.10%
  • Weighted yield (per year) 4.95%

The portfolio's dividend yield stands at 4.95%, contributing to total returns. This yield, driven notably by the Harbor Capital Appreciation Fund, offers an income component to the portfolio's growth strategy, providing cash flow that can be reinvested or used as income.

Ongoing product costs Info

  • DODGE & COX STOCK FUND DODGE & COX STOCK FUND 0.51%
  • HARBOR CAPITAL APPRECIATION FUND INSTITUTIONAL CLASS 0.67%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND INSTITUTIONAL SHARES 0.06%
  • Weighted costs total (per year) 0.44%

With an overall expense ratio of 0.44%, the portfolio's costs are relatively low, considering its active management component. Lower costs can significantly enhance long-term returns by minimizing the drag on investment performance.

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