Growth-focused portfolio with heavy reliance on US large-cap stocks and minimal international exposure

Report created on Aug 19, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is heavily weighted towards US equities, with a significant 70% in the Fidelity 500 Index Fund, 20% in the Schwab U.S. Large-Cap Growth ETF, and a modest 10% in the Vanguard Total International Stock Index Fund ETF Shares. This composition reflects a strong focus on growth, leveraging the historical performance of large-cap US stocks. However, the limited international exposure may restrict global diversification benefits.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 15.82%, with a notable maximum drawdown of -33.44%. This performance underscores the growth potential of large-cap US stocks but also highlights the risk of significant value fluctuations. The days contributing to 90% of returns being concentrated in a small number suggests high volatility on specific days, a common characteristic of growth-oriented portfolios.

Projection Info

Monte Carlo simulations, using 1,000 iterations, project a wide range of outcomes with a median increase of 534.7% in portfolio value. This method, while informative, bases projections on historical data, which does not guarantee future performance. The high percentile outcomes indicate potential for substantial growth, aligning with the portfolio's growth profile.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely allocated to stocks, with no diversification into other asset classes such as bonds or real estate. This allocation supports the portfolio's growth objectives but increases volatility and risk, as stocks are generally more susceptible to market fluctuations than other asset classes.

Sectors Info

  • Technology
    34%
  • Financials
    13%
  • Telecommunications
    10%
  • Health Care
    9%
  • Industrials
    8%
  • Consumer Discretionary
    8%
  • Consumer Staples
    5%
  • Consumer Discretionary
    4%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

Sector allocation is heavily weighted towards technology (34%), reflecting a common growth-oriented strategy. Financial services and communication services follow, creating a concentrated exposure to sectors that can significantly influence the portfolio's performance. This concentration may increase risk during sector-specific downturns.

Regions Info

  • North America
    90%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%

Geographic distribution is heavily skewed towards North America (90%), with minimal exposure to international markets. This concentration in developed markets, particularly the US, may limit potential gains from emerging markets and increase vulnerability to regional economic cycles.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    32%
  • Mid-cap
    16%
  • Small-cap
    1%

The portfolio's market capitalization breakdown shows a preference for mega (50%) and big (32%) cap stocks, aligning with its growth and stability focus. However, the minimal exposure to small and micro-cap stocks may limit opportunities for higher growth rates associated with these segments.

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, there may be opportunities to optimize the portfolio for a better risk-return balance. Adjusting allocations, particularly by increasing international exposure and diversifying across more asset classes or sectors, could potentially enhance returns for the same level of risk.

Dividends Info

  • Fidelity 500 Index Fund 0.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 0.98%

The portfolio's dividend yield is relatively low, with an average yield of 0.98%. This is consistent with the growth focus, as such portfolios often prioritize capital appreciation over income. However, incorporating higher dividend-yielding assets could provide an additional income stream and reduce volatility.

Ongoing product costs Info

  • Fidelity 500 Index Fund 0.02%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.03%

The portfolio benefits from exceptionally low costs, with a total expense ratio (TER) of 0.03%. Low costs are crucial for long-term growth, as they directly enhance net returns. This is a strong aspect of the portfolio, supporting its growth objectives efficiently.

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