A balanced yet tech-heavy portfolio with a strategic allocation towards gold and broad market ETFs
Report created on Nov 17, 2025Risk profile
4/7
Diversification profile
1/5
Positions
-
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 30.00% -
GL SPDR Gold Mini Shares
GLDM - US98149E3036 25.00% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 25.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 20.00%
The portfolio is characterized by a heavy emphasis on technology through the Vanguard Information Technology Index Fund ETF Shares, making up 30% of the allocation. This is complemented by significant investments in broad market indices and gold, with the Vanguard Total Stock Market Index Fund ETF Shares and SPDR Gold Mini Shares each constituting 25%, and the Invesco S&P 500® Momentum ETF covering 20%. This composition suggests a strategy that balances growth potential in the tech sector with the stability and hedge against inflation offered by gold.
Growth
Historically, the portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 19.04%, with a maximum drawdown of -25.71%. This performance, particularly the high CAGR, indicates strong growth over the period analyzed, albeit with significant volatility as evidenced by the drawdown. The days contributing to 90% of returns being concentrated in 36.0 days highlight the impact of short-term, significant positive movements on overall performance.
Projection
Monte Carlo simulations, running 1,000 scenarios, project a wide range of outcomes with a median (50th percentile) increase of 1,002.6%. This optimistic projection underscores the portfolio's growth potential but also reflects inherent volatility, as seen in the broad spread between the 5th and 67th percentiles. Such projections, while informative, rely on historical data and are not guarantees of future performance.
Asset classes
- Stocks 75%
- Other 25%
The portfolio's asset allocation leans heavily towards stocks (75%), with a significant portion in gold (25%). This mix supports growth through equity investment while using gold as a diversification tool and inflation hedge. However, the absence of fixed income or alternative investments limits the portfolio's ability to mitigate risk through broader diversification.
Sectors
- Technology 45%
- Financials 7%
- Telecommunications 6%
- Industrials 4%
- Consumer Discretionary 4%
- Health Care 3%
- Consumer Staples 2%
- Utilities 1%
- Energy 1%
- Real Estate 1%
- Basic Materials 1%
With 45% allocated to technology, the portfolio is poised to capitalize on the sector's growth potential. However, this concentration also exposes it to sector-specific risks, such as regulatory changes or market sentiment shifts. The presence of diverse sectors, albeit in smaller proportions, provides some level of diversification, but the heavy tech focus remains a defining and potentially vulnerable feature.
Regions
- North America 75%
The geographic allocation is heavily skewed towards North America (75%), with no exposure to developed Europe, Latin America, or Asia. This concentration in a single region, while potentially capitalizing on the growth of the US market, limits global diversification and exposure to potential growth in other regions.
Market capitalization
- Mega-cap 34%
- Large-cap 23%
- Mid-cap 12%
- Small-cap 4%
- Micro-cap 1%
The portfolio's market capitalization exposure is predominantly in mega (34%) and big (23%) cap stocks, indicating a preference for large, established companies. This could offer stability and lower volatility compared to smaller caps, but it may also limit the potential for outsized gains from smaller, faster-growing companies.
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 portfolio's current configuration suggests a well-considered balance between growth potential and risk management, especially in the context of the Efficient Frontier. Optimizing for the best possible risk-return ratio may involve reassessing the heavy tech focus and geographic concentration to enhance diversification and potentially improve the portfolio's efficiency.
Dividends
- Invesco S&P 500® Momentum ETF 0.70%
- Vanguard Information Technology Index Fund ETF Shares 0.40%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Weighted yield (per year) 0.54%
The portfolio's dividend yield stands at an average of 0.54%, with the highest yield from the Vanguard Total Stock Market Index Fund ETF Shares at 1.10%. While not the primary focus, these dividends contribute to the portfolio's total return, providing a steady income stream in addition to capital gains.
Ongoing product costs
- SPDR Gold Mini Shares 0.10%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.09%
The portfolio benefits from low overall costs, with a total expense ratio (TER) of 0.09%. This efficiency is crucial for long-term growth, as lower costs directly translate to higher net returns for investors. The Vanguard Total Stock Market Index Fund ETF Shares stand out for their exceptionally low cost of 0.03%.
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