Growth-oriented portfolio with a strong focus on technology and U.S. equities

Report created on Nov 7, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is heavily weighted towards U.S. equities, with a significant focus on the technology sector and dividend-paying stocks. The Vanguard S&P 500 ETF, making up 60% of the portfolio, provides broad market exposure, while the Schwab U.S. Dividend Equity ETF and Vanguard Information Technology Index Fund ETF Shares add targeted exposure to dividend stocks and the tech sector, respectively. This composition suggests a growth-oriented strategy with a tilt towards income through dividends and a strong belief in the tech industry's performance.

Growth Info

Historically, this portfolio has shown a Compound Annual Growth Rate (CAGR) of 16.12%, with a maximum drawdown of -33.18%. The days contributing to 90% of returns being relatively few indicates that the portfolio's performance is heavily reliant on significant market movements. While past performance is impressive, it's crucial to remember that it does not guarantee future results. The high growth rate is reflective of the portfolio's aggressive positioning within high-growth sectors.

Projection Info

The Monte Carlo simulation, using 1,000 scenarios, suggests a wide range of potential outcomes, with a median increase of 777.3% in portfolio value. This projection, while optimistic, underscores the high level of uncertainty and risk inherent in this growth-focused strategy. It's important to note that such simulations are based on historical data and assumptions that may not fully capture future market conditions.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely composed of stocks, which aligns with its growth profile but indicates a lack of diversification across asset classes. This concentration in equities increases the portfolio's volatility and risk, especially during market downturns. Including other asset classes, such as bonds or real estate, could provide more stability and reduce overall risk.

Sectors Info

  • Technology
    43%
  • Financials
    10%
  • Health Care
    9%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Consumer Staples
    7%
  • Industrials
    7%
  • Energy
    5%
  • Utilities
    1%
  • Basic Materials
    1%
  • Real Estate
    1%

With 43% of the portfolio in technology, the sector allocation significantly leans towards industries expected to have higher growth. However, this concentration also exposes the portfolio to sector-specific risks, such as regulatory changes or shifts in consumer preferences. The presence of diversified sectors like financial services, healthcare, and consumer cyclicals does provide some balance, but the heavy tech focus remains a notable risk factor.

Regions Info

  • North America
    99%

The portfolio's geographic allocation is almost exclusively in North America (99%), showing a strong home bias. This concentration in a single region can increase vulnerability to local economic and political events. Expanding into international markets, especially emerging economies, could offer growth opportunities and reduce geographic concentration risk.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    37%
  • Mid-cap
    20%
  • Small-cap
    4%
  • Micro-cap
    1%

The distribution across market capitalizations shows a balanced exposure to mega, big, and medium-sized companies, with minimal investment in small and micro-cap stocks. This allocation supports the portfolio's growth objectives while mitigating some of the risks associated with smaller, more volatile companies. However, incorporating more small and micro-cap stocks could enhance potential returns, albeit with increased 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.

The current allocation suggests room for optimization towards achieving a better risk-return profile, possibly by diversifying across more asset classes and regions. While the portfolio is positioned for growth, leveraging the Efficient Frontier could identify adjustments to improve diversification without significantly compromising potential returns.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.90%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard S&P 500 ETF 1.10%
  • Weighted yield (per year) 1.52%

The dividend yield of the portfolio averages 1.52%, with the Schwab U.S. Dividend Equity ETF contributing significantly to this income stream. While dividends can provide a steady income, the portfolio's overall yield is relatively low, reflecting its growth orientation. Investors seeking higher income might consider increasing their allocation to higher-yielding assets.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.05%

The portfolio's total expense ratio (TER) of 0.05% is impressively low, which is beneficial for long-term performance as lower costs translate to higher net returns. This cost efficiency is a strong aspect of the portfolio, enabling more of the investment returns to compound over time.

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