This portfolio has only about 6 months of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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Concentrated Canadian growth portfolio with heavy single stock exposure and strong recent but short term gains

Report created on May 9, 2026

Risk profile Info

6/7
Aggressive
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is highly concentrated, with almost half in a single stock and the rest split across one Canadian bank ETF and three individual company positions. That means five holdings drive all of the portfolio’s behaviour, which matches the high risk score shown. A concentrated mix like this can move very quickly in both directions because outcomes depend heavily on a few companies rather than a broad basket. With only around six months of history, it is too early to say this structure has a long-term pattern, but the current setup clearly emphasises growth and stock‑specific bets over broad diversification or stability.

Growth Info

Over the short six‑month window, $1,000 growing to about $1,728 is an exceptional result, giving a very high compound annual growth rate (CAGR) of over 200%. CAGR is the “average speed” of growth per year, smoothing a bumpy journey into one number. The portfolio’s maximum drawdown, or worst peak‑to‑trough drop, was about -15%, steeper than the benchmarks. Beating global and US market indices by a wide margin over such a brief period is impressive, but it mainly reflects a strong recent run in a handful of stocks. With this limited history, these numbers shouldn’t be treated as a reliable guide to long‑term performance.

Projection Info

The Monte Carlo projection uses the short price history to simulate many possible 15‑year futures, a bit like running thousands of “what if” paths based on past volatility and returns. The median outcome shows $1,000 growing to about $2,756, with a wide range of possible results, from just above break‑even to strong growth. The model suggests an 81.7% chance of ending positive, but this is built on only six months of unusually strong data. That makes the projection more fragile than it looks on the surface, especially if recent returns were unusually high and not representative of a full market cycle.

Asset classes Info

  • Stocks
    82%
  • Stocks
    18%

All holdings here are equities, so the asset class breakdown is effectively 100% stocks despite a small reporting quirk. Equities are ownership stakes in companies and tend to have higher long‑term return potential than cash or bonds, but with larger ups and downs along the way. Having everything in one asset class means the portfolio moves closely with stock markets in general, without the dampening effect that bonds or cash might offer. This aligns with the aggressive risk rating and helps explain the strong short‑term gains and meaningful drawdown, but it also means there is little built‑in cushion if equity markets struggle.

Sectors Info

  • Consumer Discretionary
    49%
  • Financials
    18%
  • Basic Materials
    11%
  • No data
    11%
  • Technology
    11%

Sector exposure is concentrated, with roughly half in consumer discretionary, a chunk in financials via the bank ETF, plus basic materials and technology from the other individual names. Consumer discretionary companies can be sensitive to economic cycles because their revenues depend on non‑essential spending. Financials, especially banks, often react to interest rate changes and credit conditions, while tech and materials can swing with innovation cycles and commodity trends. This blend creates several distinct drivers of returns, but none of them are especially defensive. Over a six‑month window, these sector tilts have helped performance, yet they could magnify volatility in a downturn or economic slowdown.

Regions Info

  • North America
    100%

Geographically, the portfolio is fully concentrated in North America, with a strong Canadian focus and US exposure accessed through Canadian Depositary Receipts for US tech names. Geography matters because different regions face different economic conditions, regulations, and currency moves. Being 100% North America means results are tightly tied to this one economic block and its policy environment. Compared with a global benchmark, which spreads across many regions, this is a deliberate concentration. Over the short period shown, North American markets have supported strong returns, but this limited regional scope also means the portfolio won’t benefit from potential diversification across other economies.

Market capitalization Info

  • Large-cap
    63%
  • Mega-cap
    37%

Market‑cap exposure skews toward larger companies, with all holdings falling in the large‑cap and mega‑cap buckets. Market capitalization simply means the total value of a company’s shares, and larger firms often have more established businesses, deeper liquidity, and broader analyst coverage. Portfolios tilted to large and mega caps can sometimes be more stable than those dominated by tiny, thinly traded names, though they still move a lot when sectors or themes are volatile. In this case, the aggressive behaviour comes less from company size and more from concentration and sector choices, even though the underlying names are all sizeable businesses.

True holdings Info

  • Aritzia Inc
    48.96%
  • Teck Resources Limited
    11.18%
  • Intel CDR (CAD Hedged)
    11.09%
  • Advanced Micro Devices CDR (CAD Hedged)
    10.85%
  • Royal Bank of Canada
    3.06%
    Part of fund(s):
    • BMO S&P/TSX Equal Weight Banks
  • Toronto Dominion Bank
    3.02%
    Part of fund(s):
    • BMO S&P/TSX Equal Weight Banks
  • Bank of Nova Scotia
    2.98%
    Part of fund(s):
    • BMO S&P/TSX Equal Weight Banks
  • Bank of Montreal
    2.95%
    Part of fund(s):
    • BMO S&P/TSX Equal Weight Banks
  • Canadian Imperial Bank Of Commerce
    2.95%
    Part of fund(s):
    • BMO S&P/TSX Equal Weight Banks
  • National Bank of Canada
    2.92%
    Part of fund(s):
    • BMO S&P/TSX Equal Weight Banks
  • Top 10 total 99.96%

The look‑through view shows that Aritzia alone makes up about 49% of total exposure, with three other individual stocks bringing the four single‑company bets to over 80% combined. The bank ETF adds another layer, but even there the top six Canadian banks dominate its portion. There’s little hidden overlap between positions, which keeps the structure simple but also very focused. Because overlap data only includes ETF top‑10 holdings, some smaller positions inside the ETF aren’t visible, yet the main story is clear: portfolio risk is dominated by a handful of specific companies rather than by broad, diversified baskets.

Risk contribution Info

  • Aritzia Inc
    Weight: 48.96%
    53.7%
  • Intel CDR (CAD Hedged)
    Weight: 11.09%
    16.4%
  • Advanced Micro Devices CDR (CAD Hedged)
    Weight: 10.85%
    14.7%
  • Teck Resources Limited
    Weight: 11.18%
    9.9%
  • BMO S&P/TSX Equal Weight Banks
    Weight: 17.92%
    5.3%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Aritzia is about 49% of the portfolio but contributes roughly 54% of total risk, meaning its swings dominate. Intel and AMD CDRs together add over 30% of risk despite a combined weight of about 22%, reflecting their higher volatility. By contrast, the bank ETF is almost 18% of the portfolio but only around 5% of risk, acting as a comparatively calmer anchor. When the top three positions generate nearly 85% of total risk, portfolio behaviour will closely follow those specific names.

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 the current mix sits noticeably below the curve that represents the best possible risk‑return trade‑offs using these same holdings. The Sharpe ratio, which compares excess return to volatility, is high but lower than that of the “optimal” portfolio derived from the data. In simple terms, the historical pattern implies that a different weighting of these existing positions could have achieved similar or better returns with less bumpiness. However, this conclusion leans heavily on a six‑month snapshot that includes extremely strong gains, so it may exaggerate how reliably those past patterns can be exploited going forward.

Dividends Info

  • Teck Resources Limited 0.40%
  • BMO S&P/TSX Equal Weight Banks 0.20%
  • Weighted yield (per year) 0.08%

Dividend income is a very small part of this portfolio’s profile. The overall yield of about 0.08% shows that most return potential is expected from price changes rather than cash payouts. Dividends are regular payments some companies make to shareholders and can provide a more stable return stream, especially in lower‑growth environments. Here, the limited yield fits with the growth‑oriented holdings and sector mix, where reinvestment in the business often takes priority over distributing profits. Over the brief history available, price gains have been the main driver, and dividends have contributed only a negligible portion of total return.

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