Balanced and diversified portfolio with a strong emphasis on growth and global exposure

Report created on Aug 20, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Your portfolio exhibits a strategic blend of domestic and international equities, with a significant allocation to the Vanguard Total Stock Market Index Fund ETF Shares. This choice underscores a preference for broad market exposure, capturing the performance of the entire U.S. stock market. The inclusion of international funds, both broad and small-cap value ETFs, enhances global diversification, potentially mitigating risks associated with market volatility. The allocation towards technology through the Invesco NASDAQ 100 ETF indicates a tilt towards growth-oriented sectors.

Growth Info

The portfolio's historical performance, with a Compound Annual Growth Rate (CAGR) of 14.77%, is impressive. This performance, alongside a maximum drawdown of -25.55%, suggests resilience during market downturns. It's important to remember that past performance is not indicative of future results. However, the days contributing most to returns highlight the impact of significant market movements on portfolio growth. This data underscores the importance of staying invested over the long term to capture peak market days.

Projection Info

Monte Carlo simulations, which run numerous scenarios to predict future performance, show a wide range of outcomes for your portfolio. With a median projection significantly higher than the initial investment, the simulations suggest strong growth potential. However, it's crucial to understand that these projections are based on historical data and assumptions, which may not perfectly predict future market conditions. Diversification and regular portfolio reviews can help manage risks associated with these uncertainties.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Your portfolio's allocation is almost entirely in stocks (99%), with a minimal cash reserve. This allocation is typical for growth-focused investors seeking higher returns, albeit with higher risk. The absence of bonds or other asset classes might limit the portfolio's ability to hedge against stock market volatility. Considering diversification across different asset classes could provide a buffer during market downturns, potentially smoothing out returns over time.

Sectors Info

  • Technology
    28%
  • Financials
    15%
  • Consumer Discretionary
    12%
  • Industrials
    11%
  • Telecommunications
    8%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    4%
  • Real Estate
    2%
  • Utilities
    2%

The sectoral distribution of your portfolio, with a strong emphasis on technology, financial services, and consumer cyclicals, positions you well for growth. However, this concentration also exposes you to sector-specific risks, such as regulatory changes or economic cycles affecting these industries. Balancing sector exposure can reduce volatility and improve the resilience of your portfolio to market shifts.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Japan
    4%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic allocation heavily favors North America, primarily the United States, with significant but lesser exposure to developed and emerging markets. This configuration leverages the stability and growth potential of the U.S. market while tapping into the diversification benefits and growth opportunities in international markets. However, an over-reliance on any one region can introduce geographic risk, suggesting the potential benefit of a more balanced global distribution.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    26%
  • Mid-cap
    18%
  • Small-cap
    11%
  • Micro-cap
    7%

Your portfolio's market capitalization spread, with a focus on mega and big-cap stocks, aligns with a strategy aimed at stability and growth. These companies are typically less volatile than their smaller counterparts. However, the inclusion of small and micro-cap stocks, particularly through the Avantis® ETFs, introduces a higher-risk, higher-reward element that can foster growth. Balancing market cap exposure is key to managing risk while aiming for growth.

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 Efficient Frontier analysis suggests that your portfolio is near optimal in balancing risk and return based on current allocations. This analysis indicates that you are maximizing your return potential for the level of risk you're willing to take. Regular rebalancing and reviewing asset allocations can help maintain this balance, especially as market conditions and your financial goals evolve.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.60%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • 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) 1.52%

The dividend yields across your ETFs contribute to the portfolio's total income, with a combined yield of 1.52%. While not the primary focus of a growth-oriented portfolio, dividends offer a source of passive income and can provide a cushion during market volatility. Reinvesting dividends can also compound growth over time. Balancing growth and income-generating assets can enhance long-term returns.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • 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) 0.08%

The overall portfolio costs, represented by a Total Expense Ratio (TER) of 0.08%, are impressively low, maximizing the potential for net returns. Low costs are crucial for long-term investment success, as they directly impact the compounding of returns. Continuously monitoring and minimizing investment costs remains a best practice for enhancing portfolio performance.

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