A growth-focused portfolio with heavy reliance on the S&P 500 and significant tech exposure

Report created on Aug 17, 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 is predominantly invested in the Vanguard S&P 500 ETF, constituting nearly three-quarters of the total allocation, followed by a modest stake in the Vanguard Total International Stock Index Fund ETF. The remainder is distributed among individual stocks, with Apple Inc being the largest single equity holding. This composition suggests a strong bias towards large-cap U.S. equities, particularly within the technology sector, which may influence the portfolio's volatility and growth trajectory.

Growth Info

Historically, the portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 18.79%, with a maximum drawdown of -27.03%. This performance is indicative of a high-growth strategy, albeit with significant volatility. The days contributing to 90% of returns are notably few, emphasizing the impact of short-term gains on overall performance. Comparing these metrics to benchmarks would be essential to gauge relative performance, especially during market downturns.

Projection Info

The Monte Carlo simulation, employing 1,000 scenarios, forecasts a wide range of outcomes with a median increase of 94.1% and a significant upper percentile showing potential for substantial growth. However, the simulation also highlights a considerable risk of loss, with a 5th percentile outcome at -99.5%. It's crucial to understand that these projections are based on historical data and assumptions, which cannot guarantee future performance.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely composed of stocks, with no allocation to cash, bonds, or alternative investments. This singular focus on equities enhances potential for growth but also increases risk, especially in market downturns. Diversifying across asset classes could mitigate some of this risk while still aiming for growth.

Sectors Info

  • Technology
    37%
  • Financials
    13%
  • Industrials
    12%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    3%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    2%

With 37% allocated to technology, the portfolio is heavily tilted towards this sector, followed by financial services and industrials. This concentration in tech stocks, including a significant position in Apple, can lead to higher volatility, particularly in response to market or sector-specific events. Diversifying across a broader range of sectors could provide a buffer against this volatility.

Regions Info

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

The geographic allocation is heavily skewed towards North America, with minimal exposure to other regions. This concentration may limit potential gains from emerging markets or developed markets outside the U.S. Expanding geographic diversity could capture growth in other economies and reduce the portfolio's vulnerability to U.S.-specific economic downturns.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    36%
  • Mid-cap
    17%
  • Small-cap
    1%

The portfolio's emphasis on mega and large-cap stocks aligns with its growth and risk profile, offering stability and potential for appreciation. However, the minimal exposure to small and micro-cap stocks means missing out on the higher growth potential these companies might offer, albeit with added risk.

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 portfolio's current composition and performance, there's room for optimization towards the Efficient Frontier, which could offer a better risk-return balance. This might involve diversifying across more asset classes or rebalancing sector and geographic exposures to reduce volatility without significantly compromising growth potential.

Dividends Info

  • Apple Inc 0.40%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.19%

The overall dividend yield of the portfolio is modest, reflecting its growth orientation. While dividends contribute to total return, the focus here is clearly on capital appreciation. Investors seeking income might consider a higher allocation to assets with larger dividend yields, though this could shift the portfolio's risk-return profile.

Ongoing product costs Info

  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.03%

The low expense ratios on the ETFs contribute positively to the portfolio's net performance by minimizing costs. Keeping investment costs low is a crucial factor in maximizing long-term returns, and this portfolio benefits from efficient cost management in its chosen funds.

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