A growth tilted global portfolio with strong diversification and a modest stabilizing gold allocation

Report created on Nov 21, 2024

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The overall structure is clearly growth‑oriented: about half in US large‑cap growth, 40% in international stocks across sizes, and 10% in gold. This creates a strong equity core with a small diversifier on the side. Compared with a typical global “balanced” benchmark, this setup holds more stocks, less bonds, and a bigger tilt toward growth companies, which helps explain its higher volatility. That’s relevant because big swings can feel stressful even if long‑term results are strong. If the ride feels acceptable, the structure is coherent; if not, shifting a slice from stocks into lower‑volatility holdings could smooth the path without changing the general growth focus too much.

Growth Info

Historically this mix has been powerful: a 17.39% compound annual growth rate (CAGR) means $10,000 would have grown to roughly $24,000 over five years, or about $49,000 over ten, assuming similar returns. CAGR is like your “average speed” over the full trip. The max drawdown of about ‑31% shows the worst peak‑to‑trough drop, which is meaningful because it hints at the emotional test during bad markets. Matching or beating growth‑style benchmarks with this kind of decline is actually quite solid. Still, all of this is backward‑looking; markets change, and past returns can’t be relied on as a promise for the future.

Projection Info

The Monte Carlo results line up tightly with history: an average simulated annual return of 17.2% and 998 out of 1,000 runs ending positive. Monte Carlo simulations basically take past return and volatility patterns, shuffle them thousands of times, and see where the portfolio might land. Your median outcome of about 664% growth suggests a strong long‑term growth potential, while the 5th percentile at about 128% shows even weaker paths still ended up higher. But simulations reuse history, so they quietly assume the future behaves similarly. It’s wise to see these as “what‑if ranges,” not guarantees, and plan spending and saving with more conservative expectations.

Asset classes Info

  • Stocks
    89%
  • Other
    10%
  • Cash
    1%

Asset‑class exposure is clear: roughly 89% in stocks, 10% in gold, and about 1% in cash. This is very much an equity portfolio with a small diversifying sleeve. Compared with more balanced benchmarks that include sizable bond allocations, this setup sits higher on the risk spectrum, which fits a growth profile but means deeper drawdowns in rough markets. The 10% gold stake is a nice twist, since gold often behaves differently from stocks, sometimes softening shocks during equity sell‑offs. If capital preservation in sharp downturns matters more, introducing a modest bond component or slightly expanding the defensive sleeve could make the ride easier without abandoning the growth mandate.

Sectors Info

  • Technology
    28%
  • Financials
    12%
  • Consumer Discretionary
    11%
  • Industrials
    10%
  • Telecommunications
    9%
  • Health Care
    7%
  • Basic Materials
    5%
  • Consumer Staples
    3%
  • Energy
    3%
  • Utilities
    1%
  • Real Estate
    1%

Sector exposure is broad and impressively aligned with a modern growth‑tilted equity profile: heavy in technology (28%), meaningful stakes in financials, consumer cyclicals, industrials, and communication services, plus smaller slices in healthcare, materials, and defensives. This is similar to what you’d see in many global growth benchmarks, which is good news for diversification. The tech and consumer tilt can drive strong results when innovation and spending are healthy, but these same areas can be more sensitive to interest‑rate spikes or slowdowns. The sector mix itself is strong; the key practical step is being mentally ready for more volatility during macro shocks, rather than needing structural sector changes.

Regions Info

  • North America
    54%
  • Europe Developed
    15%
  • Japan
    8%
  • Asia Emerging
    5%
  • Asia Developed
    4%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographically, the mix is nicely global: about 54% North America and 46% spread across Europe, Japan, other developed areas, and emerging markets. That’s more international exposure than typical US‑centric benchmarks, which often sit around 60–70% US. This broader reach helps reduce reliance on any single country’s economy or politics and taps into different business cycles and currencies. The overweight to international small‑cap value adds some extra diversification because those companies often move differently from big US growth names. The trade‑off is that foreign markets can lag the US for years at a time. Sticking with this global stance works best with a genuinely long‑term perspective.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    21%
  • Mid-cap
    16%
  • No data
    10%
  • Small-cap
    6%

By market cap, the exposure is anchored in mega and large caps (about two‑thirds combined), with a solid 16% in mid caps and around 6% in small caps, plus some “unknown” that’s likely smaller or less‑tracked names via international funds. This is a healthy mix that looks similar to broad global benchmarks, but with a bit more presence in smaller companies through the international small‑cap value position. Bigger firms tend to be more stable and liquid, which helps during stress, while smaller firms can offer extra growth and diversification at the cost of lumpier performance. The size balance is well‑thought‑out and doesn’t need major overhauls unless there’s a strong preference for either more stability or more aggressiveness.

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.

On a risk‑return basis, this portfolio likely sits near the top end of the Efficient Frontier for its chosen building blocks. The Efficient Frontier is just the set of mixes that give you either the lowest possible risk for a given return or the highest return for a given risk. Within your current funds, tweaking the weights between US growth, international equity, small‑cap value, and gold could slightly nudge efficiency, but the broad shape—high return potential with higher but controlled volatility—already makes sense. It’s worth remembering that “efficient” doesn’t mean “perfect” for every goal; someone might still want to trade a bit of return for smoother performance by adding more defensive assets.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.30%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.34%

The total yield around 1.34% is on the lower side, reflecting a clear tilt toward growth companies and funds that reinvest more of their profits rather than paying them out. Dividends can be helpful for investors who want regular cash flow, but they’re not the only way to grow wealth; reinvested earnings can drive price appreciation instead. The higher yield from international small‑cap value and the broad international fund nicely balances the very low yield from US large‑cap growth. If ongoing income isn’t a big priority, this setup is perfectly fine and actually very growth‑friendly. If income needs rise later, shifting a slice into higher‑yielding holdings could be considered.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • iShares Gold Trust 0.25%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.10%

Costs are a real strength here. With a total expense ratio (TER) around 0.10%, this portfolio is well below the cost of many actively managed options. TER is simply the annual fee funds charge, and even a difference of 0.3–0.5% per year can compound into a big gap over decades. Low costs mean more of the return stays in your pocket, especially powerful when combined with strong long‑term performance. This cost profile aligns closely with best practices in evidence‑based investing. The main ongoing task is just keeping an eye on fund expense changes and making sure any future additions don’t meaningfully raise the overall fee level.

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