A balanced yet tech-focused portfolio with strong emphasis on US equities and low international exposure

Report created on Oct 23, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

The portfolio is heavily weighted towards US equities, with a significant concentration in technology stocks, evidenced by the substantial allocations to the Vanguard 500 Index Fund Admiral Shares and the Invesco NASDAQ 100 ETF. This composition suggests a preference for growth-oriented investments, albeit with a notable lack of geographic and asset class diversification. The reliance on a single asset class, stocks, increases the portfolio's susceptibility to market volatility specific to the US market and the technology sector.

Growth Info

Historical performance shows an impressive Compound Annual Growth Rate (CAGR) of 15.08%, with a maximum drawdown of -24.78%. These figures indicate robust growth but also highlight periods of significant value decline, which could be unsettling for some investors. The days contributing to 90% of returns being limited to 22 suggests that the portfolio's performance is highly reliant on specific, short-term market movements, emphasizing the need for ongoing risk management and diversification strategies.

Projection Info

Monte Carlo simulations, projecting future performance based on historical data, show a wide range of outcomes, with a median increase of 496.9% in portfolio value. While these simulations suggest potential for substantial growth, it's crucial to remember that such projections are inherently uncertain and depend on past market conditions repeating themselves—a limitation that underscores the importance of a diversified investment strategy to mitigate unforeseen market shifts.

Asset classes Info

  • Stocks
    100%

The portfolio's exclusive investment in stocks, without any allocation to bonds, real estate, or alternative investments, limits its diversification. This singular focus on equities, particularly within the US, enhances exposure to market-specific risks. Diversifying across different asset classes can provide a buffer against stock market volatility, potentially smoothing out returns over time.

Sectors Info

  • Technology
    32%
  • Financials
    12%
  • Health Care
    10%
  • Telecommunications
    9%
  • Industrials
    9%
  • Consumer Staples
    7%
  • Consumer Discretionary
    7%
  • Consumer Discretionary
    4%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    2%
  • Basic Materials
    2%

The sectoral allocation reveals a heavy emphasis on technology, followed by financial services and healthcare. While the tech sector can offer significant growth opportunities, it is also prone to high volatility and rapid changes in market sentiment. Balancing this with more stable sectors or increasing exposure to underrepresented areas could reduce risk and enhance long-term portfolio stability.

Regions Info

  • North America
    99%
  • Europe Developed
    1%

Geographic exposure is overwhelmingly concentrated in North America, with negligible investment in international markets. This concentration risks magnifying the impact of regional economic downturns on the portfolio's performance. Expanding into developed European or emerging markets could offer growth opportunities and hedge against US-centric risks.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    36%
  • Mid-cap
    23%
  • Small-cap
    2%

The portfolio's market capitalization breakdown shows a preference for mega and big-cap stocks, which are typically less volatile than smaller companies but may also offer lower growth potential. Incorporating a broader mix of medium, small, and micro-cap stocks could enhance growth prospects and diversification.

Redundant positions Info

  • iShares Core Dividend Growth ETF
    Schwab U.S. Dividend Equity ETF
    High correlation
  • VANGUARD 500 INDEX FUND ADMIRAL SHARES
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation between certain assets, particularly between the Vanguard 500 Index Fund Admiral Shares and Vanguard Total Stock Market Index Fund ETF Shares, limits the portfolio's diversification benefits. Reducing overlap by reallocating assets could decrease risk without significantly sacrificing potential 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.

Optimizing the portfolio using the Efficient Frontier could improve the risk-return profile by adjusting the allocation among the current assets. This process might suggest reducing the overlap in highly correlated assets, thereby potentially enhancing returns for a given level of risk.

Dividends Info

  • iShares Core Dividend Growth ETF 2.00%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • VANGUARD 500 INDEX FUND ADMIRAL SHARES 1.10%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Weighted yield (per year) 1.31%

The dividend yields across the portfolio vary, contributing to a total yield of 1.31%. While dividends provide a steady income stream, the focus should also be on the growth potential and total return of investments. Balancing high-yield investments with growth-oriented assets could enhance overall portfolio performance.

Ongoing product costs Info

  • iShares Core Dividend Growth ETF 0.08%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • VANGUARD 500 INDEX FUND ADMIRAL SHARES 0.04%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.06%

With an overall Total Expense Ratio (TER) of 0.06%, the portfolio benefits from relatively low costs, supporting better long-term returns. Keeping costs low is crucial for enhancing net returns, especially in a primarily passive investment strategy focused on index funds and ETFs.

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