A growth-focused portfolio with a strong tilt towards US equities and technology sector

Report created on Jul 9, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio exhibits a strong emphasis on growth, with 80% allocated to U.S. equities across various ETFs and a notable 10% dedication to the technology sector through a specific ETF. The presence of a dividend-focused ETF and an international stock index fund introduces some diversification. However, the heavy concentration in U.S. equities and sectors like technology and financial services suggests a moderate diversification level, reflected in its diversification score.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 16.79% and a maximum drawdown of -34.20%, the portfolio has demonstrated significant growth potential albeit with considerable volatility. The days contributing to 90% of returns being concentrated in just 22 days indicates that the portfolio's performance is highly susceptible to short-term market movements, which is typical for growth-oriented investments.

Projection Info

Monte Carlo simulations, using historical data to project future outcomes, suggest a wide range of potential portfolio values, with a median increase of 740.9%. While encouraging, it's crucial to remember that these projections are speculative and depend heavily on past market behaviors, which may not predict future trends accurately.

Asset classes Info

  • Stocks
    100%
  • Cash
    1%

The portfolio's allocation is heavily skewed towards stocks (100%), with a minimal cash reserve. This allocation aligns with its growth profile but increases exposure to market volatility. A more balanced asset class distribution could provide better protection against downturns without significantly compromising growth potential.

Sectors Info

  • Technology
    33%
  • Financials
    12%
  • Consumer Discretionary
    10%
  • Industrials
    10%
  • Health Care
    9%
  • Consumer Staples
    7%
  • Telecommunications
    7%
  • Energy
    6%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    1%

Sector allocation is concentrated, with a third in technology, underscoring the portfolio's growth orientation. Financial services, consumer cyclicals, and industrials also have substantial allocations. This concentration in cyclical sectors may increase volatility but also offers high growth potential. Diversifying into more defensive sectors could reduce risk while still enabling growth.

Regions Info

  • North America
    88%
  • Europe Developed
    5%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Japan
    2%

The geographic distribution is heavily weighted towards North America (88%), with minimal exposure to developed and emerging markets outside the U.S. This concentration enhances the portfolio's growth potential but also increases its vulnerability to regional economic and political events. Expanding international exposure could improve risk management and capture global growth opportunities.

Market capitalization Info

  • Large-cap
    31%
  • Mega-cap
    31%
  • Mid-cap
    19%
  • Small-cap
    14%
  • Micro-cap
    4%

The market capitalization breakdown shows a balanced exposure across big, mega, and medium-cap stocks, with a smaller allocation towards small and micro-caps. This mix supports the portfolio's growth strategy while providing a degree of stability from larger companies. However, incorporating more small and micro-cap stocks could further enhance growth prospects at the cost of higher volatility.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    SPDR® Portfolio S&P 500 ETF
    High correlation

The high correlation between the 'Schwab U.S. Large-Cap Growth ETF' and 'SPDR® Portfolio S&P 500 ETF' indicates redundancy, limiting the portfolio's diversification benefits. Reducing overlap by reallocating funds from one of these ETFs could improve the portfolio's overall risk-adjusted performance.

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 portfolio's current configuration suggests a need for optimization to enhance its risk-return profile. Addressing the high correlation between certain ETFs and adjusting the geographic and sectoral allocations could achieve a more efficient frontier, optimizing the risk-return ratio without compromising the growth objective.

Dividends Info

  • Fidelity Small-Mid Factor 1.30%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.40%
  • SPDR® Portfolio S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.66%

The portfolio's average dividend yield of 1.66% contributes to its total return, balancing its growth orientation with income generation. The varying yields across ETFs reflect a strategic approach to blending growth and income, though there's room to optimize this balance further for specific investor income needs.

Ongoing product costs Info

  • Fidelity Small-Mid Factor 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.09%

With a total expense ratio (TER) of 0.09%, the portfolio is cost-efficient, minimizing the drag on returns from fees. This efficiency is crucial for long-term growth, as lower costs directly translate into higher net returns for investors.

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