A growth tilted equity portfolio with strong US focus and broadly diversified low cost building blocks

Report created on Dec 26, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is built almost entirely from broad stock ETFs, with a 50% core in a large US index, 20% in a concentrated growth index, 20% in international stocks, and 10% tilted to smaller value companies. Everything sits in one main asset class: stocks, with just 1% in cash. For a “balanced” risk label, this is actually quite growth oriented because there are no bonds or stabilizing assets. That’s great for long-term upside but can mean deeper drops in rough markets. To smooth the ride, someone could add a meaningful slice of steadier assets, or mentally prepare for stock-like ups and downs.

Growth Info

Historically, this mix has been very strong: a 15.74% CAGR (Compound Annual Growth Rate) means $10,000 growing to about $43,000 in 10 years, assuming that rate continued. That comfortably beats what a typical broad equity benchmark might have delivered, helped by the tilt toward large US growth and small value. The worst drop of about -25.7% is actually quite reasonable for an all‑equity portfolio, but still emotionally tough. Performance has also been driven by a small number of powerful up days, which is normal for stocks. This shows why staying invested and avoiding panic moves on bad days is crucial.

Projection Info

The Monte Carlo analysis, which runs 1,000 random return paths using historical patterns, shows a surprisingly wide range of outcomes. In simple terms, it tosses the past into a “shuffle machine” to see many possible futures. The median result of roughly 649% suggests $10,000 could become about $74,000 over the horizon used, while the 5th percentile around 108% shows things could also barely beat break-even after inflation and noise. Almost all simulations were positive, and the average simulated return of 17.54% is high. Still, simulations reuse history; markets change, and past wins—especially tech-led rallies—won’t always repeat.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio is 99% in stocks, which is why the risk score of 4/7 makes sense despite being called “balanced.” The good news is that within stocks, there is broad diversification across thousands of companies, and the mix of large, small, domestic, and international holdings helps spread risk inside that asset class. However, diversification within stocks does not replace diversification across stocks and safer assets like bonds or cash equivalents. When global stocks drop together, this portfolio will likely fall with them. Anyone wanting a smoother path could consider carving out space for more defensive or income‑oriented holdings, even if that slightly reduces long-run upside.

Sectors Info

  • Technology
    32%
  • Financials
    14%
  • Consumer Discretionary
    12%
  • Telecommunications
    10%
  • Industrials
    9%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is nicely spread over 10 sectors, with technology at 32% as the largest slice, followed by financials, consumer cyclicals, and communication services. This pattern is very similar to major modern benchmarks, which also lean heavily toward tech and related growth areas. That alignment is a strength because it reflects the current economic structure. The trade-off is higher sensitivity when growth stocks wobble or when interest rates rise, since tech-heavy portfolios tend to swing more. To keep this tilt intentional, it can help to check once a year whether the growth concentration still matches personal comfort with volatility and potential sharp short-term pullbacks.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is strongly US‑tilted: about 81% North America, with the rest spread thinly across Europe, Asia, and other regions. This is very close to common “home bias” patterns for US investors and roughly in line with the global stock market, which is also US‑heavy. The positive side is familiarity, strong regulation, and exposure to world-leading companies. The downside is reliance on one main region’s fortunes, policy decisions, and currency. The existing 20% in international stocks is a good step toward global diversification. Over time, some investors like nudging that non‑US slice a bit higher to reduce dependence on any single economy.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    30%
  • Mid-cap
    14%
  • Small-cap
    6%
  • Micro-cap
    5%

By market capitalization, the portfolio has a healthy spread: 43% mega cap, 30% big, 14% medium, 6% small, and 5% micro. This mix is slightly more tilted to smaller firms than many standard benchmarks, mainly because of the dedicated small cap value allocation. That’s a positive differentiator: historically, smaller and cheaper companies have sometimes outperformed over long periods, but with bumpier rides. The core large-cap holdings help keep things anchored in more stable, well-known names. Overall, this balance between giants and smaller companies is a strength, as it captures the whole corporate “ecosystem” while intentionally adding a bit of extra risk and potential reward.

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.

On a risk‑return chart, this portfolio likely sits close to an “efficient frontier” for an equity‑only mix, because it uses broad, low‑cost, diversified funds and adds a small tilt to segments with historically attractive returns. The Efficient Frontier is simply the best possible trade‑off between risk and return using the available ingredients and different weightings. Efficiency here does not automatically mean it matches every goal, such as capital preservation or income. Within the current lineup, small tweaks to the growth‑heavy slice versus the value and international pieces could modestly change volatility without sacrificing much return potential, but major risk changes would require adding different asset types entirely.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.20%
  • Weighted yield (per year) 1.45%

The total yield of around 1.45% is typical for a growth‑oriented, US‑heavy equity mix. The international ETF boosts income with a roughly 3.2% yield, while the concentrated growth ETF pays less, as many fast‑growing companies reinvest profits instead of paying dividends. Dividends are the cash payments received just for holding shares, and they can be an important part of total return over time. For someone focused on long-term growth, this level of yield is perfectly reasonable. For someone who wants meaningful current income, though, this setup may feel light, and a higher‑yield allocation would usually be needed to support regular withdrawals.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.08%

The overall cost picture is excellent. A blended expense ratio around 0.08% is well below average and a major strength. Costs are one of the few things investors can reliably control, and even small differences compound over decades. For example, paying 0.08% instead of 0.50% annually can mean thousands more in your pocket over a long horizon. The slightly higher fee on the small cap value ETF is quite normal for that style and is offset by ultra‑low costs in the core index funds. From a fee standpoint, this setup is already highly efficient and supports better long‑term outcomes relative to higher‑cost alternatives.

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