Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

A growth tilted stock heavy portfolio with strong tech exposure and impressively low ongoing costs

Report created on Aug 5, 2024

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is overwhelmingly equity-focused, with roughly mid‑90s percent in stocks and only a very small slice in bonds and other diversifiers. Within stocks, there is a big tilt toward broad US index funds plus several growth and tech‑oriented ETFs layered on top. This structure leans clearly toward capital growth rather than capital preservation. For someone targeting balanced risk, the high equity share means bigger swings in value, especially during market stress. If a smoother ride is important, shifting a portion from stocks into more defensive assets and trimming overlapping index exposure could help align day‑to‑day volatility with a “balanced” risk label while keeping the core growth engine intact.

Growth Info

Using a simple example, if 10,000 dollars had been invested in this mix when the track record started, the money would have grown at around 15.7 percent per year on average, known as CAGR (Compound Annual Growth Rate). That pace is well above many common blended benchmarks over long periods and shows how strongly a growth‑tilted stock portfolio can compound. The trade‑off is visible in the roughly 24 percent maximum drawdown, meaning a peak‑to‑trough fall of almost a quarter. This level of drop is normal for equity‑heavy setups. It’s important to remember that past returns simply show how this mix handled previous markets and can’t guarantee anything about future performance.

Projection Info

The Monte Carlo results show a wide range of possible futures, from a bit above breakeven in weak scenarios to very large gains in stronger ones. Monte Carlo is a technique that runs thousands of “what‑if” paths using patterns from history, a bit like rolling loaded dice many times to see how outcomes cluster. Here, almost all simulations ended positive, and median growth looked very strong, but the spread between pessimistic and optimistic paths is huge. That spread is the price of being mostly in stocks. These projections are only rough maps based on the past, so they’re best used for setting expectations and stress‑testing plans rather than as a promise of specific numbers.

Asset classes Info

  • Stocks
    95%
  • Bonds
    3%
  • Other
    1%
  • Cash
    1%

Across asset classes, this mix is about 95 percent stock, with tiny allocations to bonds, alternatives and cash. That stock weight is higher than what many “balanced” or “moderate” blended indices use, where you’d often see 40–60 percent in bonds. The upside is that equities historically drive long‑term growth, which the historic numbers reflect well. The downside is more sensitivity to stock market downturns and interest rate shocks. The small slice in managed futures and commodities does add a useful non‑stock element. If more stability or income is a goal, gradually increasing high‑quality defensive holdings and building a clearer bond sleeve could tighten the gap between the stated risk profile and the actual asset mix.

Sectors Info

  • Technology
    37%
  • Consumer Discretionary
    10%
  • Financials
    9%
  • Telecommunications
    9%
  • Health Care
    7%
  • Industrials
    7%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

Sector exposure is clearly tilted toward technology, with over a third in tech plus more in growth‑leaning areas like communication services and consumer cyclicals. That concentration is partly driven by broad US indices and is then amplified by dedicated tech and growth funds. This setup can shine when innovation and growth stories lead markets, which has often been the case recently, and your tech weighting does match many growth‑tilted benchmarks. The flip side is higher sensitivity to rate hikes or periods when growth stocks lag. One way to smooth this is to let broad index funds do most of the sector work and keep specialized tech exposure at a size that won’t dominate overall risk during rough patches.

Regions Info

  • North America
    85%
  • Europe Developed
    3%
  • Japan
    2%
  • Asia Emerging
    1%
  • Asia Developed
    1%
  • Australasia
    1%

Geographically, the portfolio is strongly anchored in North America, especially the US, with around 85 percent of exposure there and relatively small slices in Europe, Japan, and other regions. This home‑bias is very common and has helped in the past decade as US markets outperformed much of the world. Global benchmarks usually hold a larger share in non‑US stocks, so this mix is more US‑heavy than a typical world index. That means results will lean heavily on US economic and policy outcomes. For those wanting smoother diversification, modestly building up broad international holdings over time can spread risk across more economies while still keeping the US as the main growth driver.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    32%
  • Mid-cap
    16%
  • Small-cap
    5%
  • Micro-cap
    3%
  • No data
    1%

By market cap, the portfolio leans strongly toward mega and large companies, with a meaningful but still smaller allocation to mid, small and micro caps. This pattern is consistent with major indices that weight by company size, and it helps keep liquidity high and individual business risk lower. The dedicated small‑cap value pieces are a nice touch because they add exposure to a different style and size segment that doesn’t always move in lockstep with big growth names. Large‑cap dominance does mean the biggest global companies will drive returns. Anyone wanting a bit more diversification in how companies behave could slowly grow mid and small‑cap exposure while keeping big caps as the core anchor.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Invesco NASDAQ 100 ETF
    Technology Select Sector SPDR® Fund
    High correlation
  • Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

Several holdings in the portfolio are highly correlated, meaning they usually move almost the same way at the same time. Correlation is a simple measure of how often assets rise or fall together; high correlation reduces diversification benefits when markets get rough. The growth and tech ETFs form one tight cluster, and the US broad market funds form another. This overlap is very normal but means there is less diversification than the number of line items suggests. Simplifying within these groups—letting one or two funds carry each role—can keep the same general exposure while cleaning up redundancy and potentially making it easier to manage rebalancing and tax‑planning decisions later.

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.

Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

On a risk‑return basis, the analysis suggests that a more “efficient” mix of the same ingredients could deliver higher expected returns for a similar or even slightly lower level of volatility. The Efficient Frontier is just a curve showing the best possible trade‑offs between risk (ups and downs) and return for a given set of assets. Here, overlapping and highly correlated funds dilute that efficiency a bit. By trimming redundant positions and re‑weighting toward the most effective combinations, it’s possible to stay within the same broad risk zone while nudging expected returns higher. Efficiency doesn’t mean owning everything; it means making each piece of the puzzle pull its weight.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.30%
  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Invesco DB Base Metals Fund 4.00%
  • iMGP DBi Managed Futures Strategy ETF 4.60%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 2.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Technology Select Sector SPDR® Fund 0.50%
  • Weighted yield (per year) 1.41%

The overall dividend yield of about 1.4 percent is modest, which fits a growth‑oriented, equity‑heavy mix. Dividend yield is simply the annual cash payout as a percentage of price, a bit like rental income on a property. The presence of a dedicated dividend equity ETF and value‑tilted funds helps lift income slightly versus a pure growth portfolio. That’s a sensible blend for someone who cares more about growing their pot than living off the cash flow today. For investors who eventually want more income, gradually increasing higher‑yielding but still diversified funds as retirement or withdrawal dates approach can shift the balance from pure growth toward a more cash‑generating structure.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco DB Base Metals Fund 0.75%
  • iMGP DBi Managed Futures Strategy ETF 0.85%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Technology Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.13%

The cost profile is a real strength here. The overall TER around 0.13 percent is impressively low for a portfolio with both broad market and more specialized components. TER, or Total Expense Ratio, is the annual fee charged by funds, and even a few tenths of a percent saved each year can add up massively over decades. Most holdings are inexpensive index products, and even the pricier specialist funds are kept to small weights, which is a smart way to access unique strategies without letting fees dominate. Keeping this low‑cost mindset, and favoring simple, scalable products when making changes, supports better long‑term compounding.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey