Growth-oriented portfolio with high concentration in tech and large-cap stocks

Report created on Oct 21, 2025

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This portfolio is heavily concentrated in three ETFs focusing on the S&P 500, NASDAQ 100, and U.S. Large-Cap Growth sectors, accounting for 100% of its composition. This high concentration in large-cap equities, particularly in the technology sector, indicates a strong growth orientation but comes with low diversification across asset classes and sectors. The substantial overlap in holdings across these ETFs further exacerbates the portfolio's concentration risk.

Growth Info

The portfolio has demonstrated a strong historical performance with a Compound Annual Growth Rate (CAGR) of 18.56%. However, it's important to note that past performance is not indicative of future results. The maximum drawdown of -29.48% highlights the potential volatility and risk associated with this growth-focused strategy. The days contributing to 90% of returns being concentrated in just 23.0 days underscores the portfolio's susceptibility to significant market movements.

Projection Info

Using Monte Carlo simulations, which project future performance based on historical data, this portfolio shows a wide range of potential outcomes. While the majority of simulations (997 out of 1,000) predict positive returns, this method has limitations, including the assumption that past market behavior will continue into the future. The projected annualized return of 20.55% should be viewed with cautious optimism.

Asset classes Info

  • Stocks
    100%

The portfolio's allocation is solely in stocks, with no presence in other asset classes such as bonds or real estate. This singular focus on equities enhances growth potential but also increases volatility and risk. A more diversified asset class mix could provide a buffer against market downturns.

Sectors Info

  • Technology
    46%
  • Telecommunications
    16%
  • Consumer Discretionary
    10%
  • Financials
    9%
  • Industrials
    6%
  • Health Care
    5%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Basic Materials
    1%
  • Energy
    1%
  • Real Estate
    1%

With 46% in technology and significant allocations in communication services and consumer cyclicals, the portfolio is positioned to benefit from growth in these dynamic sectors. However, this heavy sector concentration can lead to higher volatility, especially in market conditions unfavorable to these industries.

Regions Info

  • North America
    99%

The geographic allocation is almost entirely in North America (99%), offering little exposure to international markets. This geographic concentration limits global diversification benefits and increases exposure to region-specific risks, such as economic downturns or policy changes in the U.S.

Market capitalization Info

  • Mega-cap
    55%
  • Large-cap
    32%
  • Mid-cap
    12%

The focus on mega (55%) and big (32%) cap stocks aligns with the portfolio's growth and risk profile, favoring established companies with potentially more stable returns. However, the lack of small and micro-cap stocks reduces opportunities for outsized gains from smaller, high-growth companies.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Invesco NASDAQ 100 ETF
    High correlation

The high correlation between the Schwab U.S. Large-Cap Growth ETF and Invesco NASDAQ 100 ETF limits the portfolio's diversification benefits. Removing or reducing overlap in these holdings could decrease risk without significantly affecting expected returns.

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 could be optimized for a more efficient risk-return balance by addressing the overlap in holdings. An optimal portfolio with the same risk level has an expected return of 19.75%, slightly above the current portfolio's performance. This suggests room for improvement in diversification without sacrificing returns.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Weighted yield (per year) 0.50%

The portfolio's average dividend yield of 0.50% contributes to its total return but is not the primary focus. Investors seeking income in addition to growth may consider diversifying into assets with higher dividend yields.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Weighted costs total (per year) 0.11%

With a total expense ratio (TER) of 0.11%, the portfolio is cost-efficient, which is beneficial for long-term growth. Lower costs mean more of the investment's return is retained by the investor.

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