A balanced and broadly diversified portfolio with a strong tilt towards growth and dividends

Report created on Aug 3, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is structured with a clear emphasis on growth and income, as evidenced by its significant allocations to growth ETFs, dividend-focused ETFs, and a notable exposure to the technology sector. Its composition across large-cap, small-cap, and international equities demonstrates a strategic approach to diversification, aiming to balance the pursuit of higher returns with risk management. This blend of assets, along with the inclusion of emerging markets, suggests an attempt to capture growth across different market cycles and geographies.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 12.43% and a maximum drawdown of -25.31%, the portfolio has demonstrated resilience and an ability to capitalize on market upswings. The days contributing to 90% of returns indicate that the portfolio's performance is subject to significant positive movements on specific trading days, a characteristic of growth-oriented investments. Comparing these metrics to benchmarks could offer further insights into performance relative to market averages.

Projection Info

Monte Carlo simulations, utilizing thousands of random market scenarios to forecast future performance, indicate a wide range of outcomes with a median annualized return of 11.93%. This suggests that while the portfolio has potential for substantial growth, there is also considerable variability in possible future returns. It's crucial to remember that these projections are based on historical data and cannot guarantee future results.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's almost exclusive allocation to stocks, with a minor position in cash, positions it for potential high returns but also exposes it to market volatility. This asset class distribution aligns with the portfolio's balanced risk profile, aiming to strike a balance between growth and risk management. Diversifying further into bonds or alternative assets could provide additional buffers against stock market fluctuations.

Sectors Info

  • Technology
    30%
  • Financials
    16%
  • Consumer Discretionary
    11%
  • Industrials
    9%
  • Telecommunications
    8%
  • Consumer Staples
    8%
  • Health Care
    7%
  • Energy
    5%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

The technology sector's dominant position at 30% of the portfolio, followed by financial services and consumer cyclicals, underscores a focus on industries with high growth potential. However, this concentration increases exposure to sector-specific risks, such as regulatory changes or economic cycles affecting technology and finance companies. Broadening sector exposure could mitigate these risks.

Regions Info

  • North America
    74%
  • Asia Emerging
    8%
  • Europe Developed
    8%
  • Asia Developed
    4%
  • Japan
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%
  • Australasia
    1%

The geographic allocation, with 74% in North America and meaningful exposures to emerging Asia and developed Europe, reflects a strategy aimed at capturing both the stability of developed markets and the growth potential of emerging economies. This geographic diversification is a strength, though the portfolio may benefit from increased exposure to underrepresented regions for even greater global balance.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    33%
  • Mid-cap
    13%
  • Small-cap
    7%
  • Micro-cap
    5%

The portfolio's emphasis on mega and big-cap stocks (74% combined) suggests a preference for established companies with potential for steady growth and dividends. While this may offer stability, the relatively smaller allocation to small and micro-cap stocks (12% combined) limits exposure to higher-growth, albeit riskier, segments of the market. Adjusting this balance could enhance growth prospects and diversification.

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 Efficient Frontier analysis suggests that the portfolio is positioned near the optimal risk-return ratio based on its current assets. However, there's always room for improvement, such as by adjusting allocations or diversifying further into different asset classes. Regular reviews can help ensure the portfolio maintains its efficiency over time.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab International Dividend Equity ETF 3.90%
  • VanEck Semiconductor ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 1.70%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.80%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.72%

The portfolio's average dividend yield of 1.72% contributes to its total return, providing a steady income stream in addition to capital gains. This yield, combined with the growth orientation, offers a balanced approach to wealth accumulation. Investors should continually assess the sustainability of these dividends, especially in sectors like technology, where reinvestment often takes precedence over payout.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab International Dividend Equity ETF 0.14%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.12%

With a total expense ratio (TER) of 0.12%, the portfolio benefits from relatively low costs, which can significantly enhance long-term returns. This cost efficiency is a testament to the strategic selection of ETFs. Continuously monitoring these costs remains essential, especially as the portfolio evolves.

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