A growth-focused portfolio with strong momentum and diversified asset allocation

Report created on Aug 14, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Your portfolio is characterized by a significant allocation towards equity ETFs, with a 90% stake in stocks and 10% in bonds. This structure aligns with a growth-oriented investment strategy, leveraging the potential for higher returns from the stock market while maintaining a modest buffer through corporate bonds to mitigate volatility. The selection of ETFs, including those focused on momentum, total stock market, and specific market caps, suggests an approach aimed at capturing growth across various segments of the market.

Growth Info

Historically, your portfolio has achieved a Compound Annual Growth Rate (CAGR) of 17.29%, with a maximum drawdown of -32.43%. These figures indicate a strong performance, albeit with significant volatility, as evidenced by the substantial drawdown. The days that make up 90% of returns being concentrated in just 23.0 days highlights the impact of short-term, high-gain periods on overall performance. This pattern underscores the importance of staying invested through market cycles to capture these critical growth spurts.

Projection Info

Monte Carlo simulations, which use historical data to forecast potential future outcomes, suggest a wide range of possible performances for your portfolio. With 992 out of 1,000 simulations showing positive returns, the projected annualized return stands at 17.59%. However, it's crucial to remember that these projections are based on past market behavior, which is not a reliable indicator of future results. Such simulations are useful for understanding potential volatility and outcomes but should be interpreted with caution.

Asset classes Info

  • Stocks
    90%
  • Bonds
    10%

Your portfolio's asset class distribution, with a heavy tilt towards stocks, is typical for growth-oriented investors. The 10% allocation to bonds provides a cushion against market downturns but is limited in its ability to significantly dampen the portfolio's overall volatility. This allocation strategy is well-suited to those with a higher risk tolerance and a longer investment horizon, aiming for substantial growth over time.

Sectors Info

  • Technology
    19%
  • Financials
    17%
  • Consumer Discretionary
    12%
  • Industrials
    12%
  • Telecommunications
    8%
  • Consumer Staples
    7%
  • Health Care
    5%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

The sectoral allocation within your portfolio shows a balanced exposure across technology, financial services, consumer cyclicals, and industrials, among others. This diversification helps in spreading risk and capturing growth from different economic sectors. However, the concentration in technology and financial services, sectors known for their volatility, aligns with the growth and higher risk profile of your portfolio.

Regions Info

  • North America
    77%
  • Europe Developed
    7%
  • Japan
    3%
  • Australasia
    1%
  • Asia Developed
    1%
  • Africa/Middle East
    1%

Geographically, your portfolio is heavily weighted towards North America (77%), with limited exposure to developed Europe, Japan, and other regions. This concentration may limit your portfolio's diversification benefits and expose it to region-specific risks. Expanding your geographic exposure, especially to emerging markets, could offer additional growth opportunities and risk mitigation through broader diversification.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    21%
  • Mid-cap
    17%
  • Small-cap
    12%
  • Micro-cap
    4%

The market capitalization breakdown reveals a strategic focus on mega to small-cap stocks, ensuring a mix of stability and growth potential. This diversified approach across cap sizes helps balance the inherent risks of smaller companies with the steadiness of larger, more established firms. However, the relatively lower exposure to micro-caps suggests a cautious stance towards the most volatile market segment.

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 of your portfolio suggests it is positioned near the Efficient Frontier, indicating an optimal balance between risk and return based on historical data. While this is a positive sign, it's important to regularly review and adjust your portfolio to maintain this balance, especially as market conditions and your personal financial goals evolve.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.70%
  • Invesco S&P International Developed Momentum ETF 1.90%
  • Invesco S&P SmallCap 600 Revenue ETF 1.10%
  • Invesco S&P MidCap 400 Revenue ETF 1.20%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard Intermediate-Term Corporate Bond Index Fund ETF Shares 4.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 1.56%

The overall dividend yield of your portfolio stands at 1.56%, contributed by both the equity and bond ETFs. While not the primary focus of a growth-oriented strategy, these dividends provide a source of passive income and can offer some buffer during market downturns. Reinvesting these dividends can further compound growth over time.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Invesco S&P SmallCap 600 Revenue ETF 0.39%
  • Invesco S&P MidCap 400 Revenue ETF 0.39%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Intermediate-Term Corporate Bond Index Fund ETF Shares 0.04%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.15%

With a total expense ratio (TER) of 0.15%, your portfolio is efficiently managed in terms of costs. Keeping expenses low is crucial for maximizing long-term returns, as even small differences in fees can significantly impact investment growth over time. Your selection of low-cost ETFs is commendable and supports better performance.

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