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Strategic growth-focused portfolio with a strong tilt towards technology and large-cap stocks

Report created on Jul 9, 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 heavily invested in equities with a notable emphasis on U.S. large-cap growth and dividend-paying stocks, comprising 65% of the portfolio. The inclusion of a small-mid cap ETF and a semiconductor-specific ETF adds a layer of sector-specific risk and potential for growth. The allocation towards international stocks is modest at 10%, indicating a strong home country bias. This composition suggests an attempt to balance growth with some income generation, though it leans heavily towards growth-oriented assets.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 16.14% and a maximum drawdown of -34.26%, the portfolio has demonstrated robust growth with significant volatility. The days contributing to 90% of returns being concentrated in 20 days highlight the portfolio's susceptibility to short-term market movements. This performance, while impressive, underscores the importance of understanding the inherent risks and the potential for wide fluctuations in value.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with a median increase of 688.5%, indicating strong growth potential. However, the 5th percentile outcome at 77.9% growth warns of considerable downside risk. These projections, while useful for understanding potential volatility and reward, rely on historical data and cannot guarantee future performance. Investors should consider this uncertainty in their long-term planning.

Asset classes Info

  • Stocks
    100%
  • Cash
    1%

The portfolio is almost entirely composed of stocks, with a minimal cash reserve. This allocation aligns with a growth-oriented investment strategy but lacks diversification across asset classes such as bonds or real estate, which could mitigate risk. The absence of alternative investments suggests a missed opportunity to further diversify and potentially enhance returns with assets that behave differently from stocks.

Sectors Info

  • Technology
    30%
  • Financials
    12%
  • Consumer Discretionary
    11%
  • Industrials
    10%
  • Health Care
    10%
  • Telecommunications
    7%
  • Consumer Staples
    7%
  • Energy
    6%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    1%

Technology, financial services, and consumer cyclicals are the most prominent sectors, together accounting for over 50% of the portfolio. This concentration in technology and cyclical sectors may lead to higher volatility, especially in market downturns. The underrepresentation of defensive sectors like utilities and consumer staples could mean the portfolio is less resilient during economic slowdowns.

Regions Info

  • North America
    89%
  • Europe Developed
    5%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Japan
    2%

The geographic allocation is heavily skewed towards North America (89%), with minimal exposure to emerging markets and other developed regions. This concentration enhances the portfolio's vulnerability to regional economic cycles and misses out on potential growth opportunities in faster-growing economies. Diversifying geographically could reduce risk and tap into new sources of returns.

Market capitalization Info

  • Mega-cap
    32%
  • Large-cap
    30%
  • Mid-cap
    19%
  • Small-cap
    14%
  • Micro-cap
    4%

The portfolio's market capitalization breakdown shows a preference for mega and big-cap stocks, which tend to be less volatile than smaller companies. However, the significant allocation to small and micro-cap stocks (18%) introduces higher growth potential along with increased risk. This mix supports the portfolio's growth objectives but may contribute to greater short-term fluctuations in value.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    SPDR® Portfolio S&P 500 ETF
    High correlation

The high correlation between the Schwab U.S. Large-Cap Growth ETF and the SPDR® Portfolio S&P 500 ETF suggests redundancy, as they likely hold many of the same stocks. This overlap does not contribute to diversification and may unnecessarily concentrate the portfolio's exposure to specific market movements. Reducing this redundancy could enhance the portfolio's risk-adjusted 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.

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The portfolio could benefit from optimization to improve its risk-return profile. The current allocation suggests room for reducing overlap in highly correlated assets, which would enhance diversification without necessarily sacrificing growth potential. Employing the Efficient Frontier concept could identify an allocation that offers the best possible risk-return trade-off based on the current assets.

Dividends Info

  • Fidelity Small-Mid Factor 1.30%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.40%
  • SPDR® Portfolio S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.66%

The portfolio's average dividend yield of 1.66% contributes to its total return, balancing growth with income generation. The Schwab U.S. Dividend Equity ETF, with a yield of 3.80%, is a significant contributor to this income. While dividends are a valuable component, the overall focus remains on capital appreciation. Investors should consider their income needs and whether the current yield aligns with those requirements.

Ongoing product costs Info

  • Fidelity Small-Mid Factor 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.08%

The portfolio's total expense ratio (TER) of 0.08% is impressively low, which is beneficial for long-term performance as lower costs translate directly into higher net returns. This cost efficiency is a strong point, particularly given the growth orientation of the portfolio. Investors should continue to monitor these costs, especially when considering new investments or rebalancing.

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