A growth focused equity portfolio with strong factor tilts and impressive historic but potentially volatile returns
as of Mar 14, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
What type of investor this portfolio is suitable for
Growth Investors
This setup fits an investor who is comfortable with meaningful ups and downs in pursuit of strong long-term growth. The person likely has a multi-decade horizon, such as saving for retirement or future wealth-building goals, and can tolerate drawdowns in the 30% range without feeling forced to sell. They appreciate active management and are willing to pay moderate fees when they believe it adds value. Income is welcome but secondary to capital appreciation, and they accept that a heavy equity tilt and tech exposure will mean occasional rough patches. This approach best suits someone who stays calm through volatility and focuses on long-run compounding rather than short-term market noise.
Positions
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BARON OPPORTUNITY FUND BARON OPPORTUNITY FUND
BIOPX - US0682784071 20.24% -
VANGUARD PRIMECAP FUND INVESTOR SHARES
VPMCX - US9219361006 15.85% -
DREYFUS STRATEGIC VALUE FUND DREYFUS STRATEGIC VALUE FUND - CLASS A
DAGVX - US26200C2052 15.76% -
THE DISCIPLINED GROWTH INVESTORS FUND THE DISCIPLINED GROWTH INVESTORS FUND
DGIFX - US3176093942 11.07% -
WisdomTree International Hedged Quality Dividend Growth Fund
IHDG - US97717X5941 9.07% -
PRUDENTIAL JENNISON INTERNATIONAL OPPORTUNITIES FUND CLASS Z
PWJZX - US7439696516 9.07% -
iShares MSCI Emerging Markets ex China
EMXC - US46434G7640 8.00% -
BARON DISCOVERY FUND BARON DISCOVERY FUND
BDFFX - US0682788601 2.36% -
FULLER & THALER BEHAVIORAL SMALL-CAP GROWTH FUND INVESTOR SHARES
FTXNX - US14064D7903 2.36% -
BRANDES EMERGING MARKETS VALUE FUND CLASS A
BEMAX - US1052627452 2.00% -
Avantis® International Small Cap Value ETF
AVDV - US0250728021 1.86% -
BRANDES SMALL CAP VALUE FUND CLASS A
BSCAX - US2382107512 1.18% -
NUVEEN NWQ SMALL/MID-CAP VALUE FUND CLASS A
NSMAX - US67064Y5785 1.18%
This portfolio is strongly growth-oriented, with about 95% in stocks and only small allocations to bonds and cash. A few actively managed funds hold relatively large weights, and the top three positions drive over half of total risk. Compared with a typical broad market mix that would usually include more bonds and a wider spread of vehicles, this setup leans clearly toward capital appreciation over stability. That alignment is very consistent with a “Profile_Growth” label. To keep this structure working well over time, it helps to confirm that a high equity share, concentrated in a small set of core funds, is intentional and that occasional rebalancing keeps any single position from drifting too far above its target share.
True holdings
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Taiwan Semiconductor Manufacturing Co. Ltd. 1.43%Part of fund(s):
- iShares MSCI Emerging Markets ex China
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Toyota Motor Corp 0.53%Part of fund(s):
- WisdomTree International Hedged Quality Dividend Growth Fund
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LVMH Moët Hennessy - Louis Vuitton Société Européenne 0.32%Part of fund(s):
- WisdomTree International Hedged Quality Dividend Growth Fund
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Industria de Diseno Textil SA 0.30%Part of fund(s):
- WisdomTree International Hedged Quality Dividend Growth Fund
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BP PLC 0.27%Part of fund(s):
- WisdomTree International Hedged Quality Dividend Growth Fund
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Deutsche Telekom AG 0.26%Part of fund(s):
- WisdomTree International Hedged Quality Dividend Growth Fund
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AstraZeneca PLC 0.25%Part of fund(s):
- WisdomTree International Hedged Quality Dividend Growth Fund
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Banco Bilbao Vizcaya Argentaria SA 0.24%Part of fund(s):
- WisdomTree International Hedged Quality Dividend Growth Fund
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GlaxoSmithKline PLC 0.20%Part of fund(s):
- WisdomTree International Hedged Quality Dividend Growth Fund
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ING Groep NV 0.20%Part of fund(s):
- WisdomTree International Hedged Quality Dividend Growth Fund
- Top 10 total 4.00%
The look-through data only covers about 5% of the portfolio, because it uses just the top ten holdings of each ETF, so overlap is likely understated. Still, it hints at meaningful exposure to large, globally important companies such as Taiwan Semiconductor and major European consumer and financial names. These holdings often behave like anchors in international allocations, adding both growth potential and some diversification away from purely domestic drivers. Since most mutual fund holdings are not fully “looked through” here, the actual underlying overlap across funds may be higher. Periodically checking fund fact sheets can help avoid ending up with multiple products that all own the same core names in similar proportions.
Growth
Using a simple example, a hypothetical 10,000 dollars invested over the evaluation period growing at a 19.72% Compound Annual Growth Rate (CAGR) would have multiplied many times over. CAGR is like the average yearly “speed” of growth across the full journey. That’s a very strong result compared with typical equity benchmarks over long stretches. However, the portfolio also saw a maximum drawdown of about -32%, meaning at one point the value dropped roughly a third from a prior peak. Past performance, even when impressive, does not guarantee future results, especially in growth-heavy setups. It can be useful to stress-test how comfortable that level of temporary loss feels before market conditions turn choppy again.
Projection
The Monte Carlo analysis runs 1,000 simulations of possible future paths by remixing historical return and volatility patterns to create many alternative “timelines.” The median outcome of roughly 789% and high-end paths above 1,200% growth look very attractive, and even the 5th percentile ending around 110% suggests most simulated scenarios were positive. The average simulated annualized return near 19.5% echoes historical experience. Still, simulation tools rely on the past as a guide, which may not capture new regimes, policy shifts, or structural changes. Rather than treating those numbers as promises, it’s more useful to see them as a rough map of the range of outcomes and to check if the downside paths are still acceptable.
Asset classes
- Stocks 95%
- Bonds 3%
- Cash 1%
- No data 1%
- Other 0%
- No data 0%
With roughly 95% in equities, about 3% in bonds, and a sliver in cash, this is clearly an equity-driven mix. By comparison, many “balanced” portfolios might hold 40% or more in bonds for additional stability. A high stock share usually means better long-run growth potential but more dramatic swings along the way, especially during market stress. This allocation is well-balanced and aligns closely with global standards for an aggressive growth style, but it offers less protection during equity downturns. If shorter-term needs or emotional comfort are important, gradually nudging bond or cash allocations higher could smooth the ride; if the focus is purely long-term growth, maintaining the current tilt may be appropriate.
Sectors
- Technology 34%
- Industrials 13%
- Health Care 13%
- Financials 11%
- Consumer Discretionary 10%
- Telecommunications 7%
- Energy 4%
- Consumer Discretionary 3%
- Basic Materials 2%
- Consumer Staples 2%
- Real Estate 1%
- Utilities 0%
Sector exposure is led by technology at about 34%, followed by industrials, healthcare, financial services, and consumer cyclical. This composition resembles a modern growth-tilted equity benchmark, where tech and related innovation areas play an outsized role. That tilt has been rewarding in recent years, but tech-heavy allocations can be more sensitive to rising interest rates, changes in risk appetite, or regulatory shocks. The portfolio’s sector mix otherwise looks quite broad, which is a strong indicator of diversification. Checking once or twice a year whether the tech share has crept higher and still matches personal comfort with volatility can help avoid surprises if sentiment toward high-growth companies weakens for an extended period.
Regions
- North America 67%
- Europe Developed 15%
- Asia Developed 7%
- Asia Emerging 4%
- Japan 3%
- Latin America 2%
- Africa/Middle East 1%
- Australasia 0%
- Europe Emerging 0%
Geographically, about two-thirds of the portfolio is in North America with the rest spread across developed Europe, developed Asia, Japan, and emerging markets. This kind of home bias is very common for U.S.-based investors and has been beneficial in the last decade as U.S. markets outperformed many peers. Exposure to emerging markets and non-U.S. developed markets adds useful diversification and some currency and growth opportunities. The geographic mix broadly mirrors many global equity benchmarks tilted toward the U.S., which is a positive alignment. It can still be worth deciding whether the current non-U.S. share matches comfort with foreign risk, and whether to keep that share stable through rebalancing as markets move.
Market capitalization
- Mega-cap 36%
- Large-cap 23%
- Mid-cap 21%
- Small-cap 10%
- Micro-cap 3%
Market capitalization exposure is anchored in mega and big companies, which together make up close to 60%, with solid representation from mid caps and a meaningful slice of small and micro caps. This blend offers a good mix: large firms often provide stability and liquidity, while mid and small caps can contribute extra growth potential and diversification. Your portfolio’s size mix is well-balanced and aligns closely with global standards for a growth-oriented equity allocation. Because smaller companies can swing more than giants during stress, it can be helpful to monitor whether small and micro-cap allocations grow beyond current levels and to ensure that any added volatility is a conscious trade-off for potential higher returns.
Factors
Factor exposure shows strong tilts toward size, quality, and yield, with notable though more moderate signals in value, momentum, and low volatility. Factors are like underlying “ingredients” such as cheapness (value), recent performance (momentum), or financial strength (quality) that research links to long-term returns. A pronounced quality tilt often supports resilience in downturns, while size exposure suggests meaningful participation in smaller firms. Yield exposure, together with the portfolio’s 4.82% overall dividend yield, can help cushion returns during flat markets. Signal coverage isn’t perfect, so the estimates are partial, but the pattern suggests a thoughtful blend of growth and quality. Keeping this balance in mind when adding new funds helps avoid accidentally doubling down on one factor, like pure momentum, at the expense of others.
Risk contribution
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BARON OPPORTUNITY FUND BARON OPPORTUNITY FUND
Weight: 20.24% 25.3% -
VANGUARD PRIMECAP FUND INVESTOR SHARES
Weight: 15.85% 15.8% -
DREYFUS STRATEGIC VALUE FUND DREYFUS STRATEGIC VALUE FUND - CLASS A
Weight: 15.76% 15.4% -
THE DISCIPLINED GROWTH INVESTORS FUND THE DISCIPLINED GROWTH INVESTORS FUND
Weight: 11.07% 9.9% -
PRUDENTIAL JENNISON INTERNATIONAL OPPORTUNITIES FUND CLASS Z
Weight: 9.07% 8.9% - Top 3 risk contribution 56.6%
Risk contribution measures how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weight. For example, the largest position at about 20% weight contributes roughly 25% of total risk, giving it a risk-to-weight ratio of 1.25. The top three holdings together account for over 56% of portfolio risk, even though they are just over half the total weight. That level of concentration is common in focused growth portfolios but means those core funds heavily shape results. Periodic trimming of any holding whose risk contribution drifts far above its target role can bring overall risk more in line with intended levels while preserving the broader strategy.
Dividends
- Avantis® International Small Cap Value ETF 3.00%
- BARON OPPORTUNITY FUND BARON OPPORTUNITY FUND 4.50%
- THE DISCIPLINED GROWTH INVESTORS FUND THE DISCIPLINED GROWTH INVESTORS FUND 7.80%
- iShares MSCI Emerging Markets ex China 2.60%
- WisdomTree International Hedged Quality Dividend Growth Fund 1.80%
- PRUDENTIAL JENNISON INTERNATIONAL OPPORTUNITIES FUND CLASS Z 0.20%
- VANGUARD PRIMECAP FUND INVESTOR SHARES 16.40%
- Weighted yield (per year) 4.82%
The estimated total yield near 4.8% is quite robust for a growth-focused portfolio, suggesting that income meaningfully supports total return. Dividend yield is the yearly cash distribution as a percentage of portfolio value, like interest from a savings account but not guaranteed. Several holdings appear to contribute strongly here, blending growth potential with ongoing cash flow. That mix can be particularly helpful for reinvesting in down markets, effectively buying more shares at lower prices. It’s important to remember that dividends can be reduced or suspended, and some high yields may reflect higher perceived risk. Watching whether income remains sustainable and diversified across multiple strategies helps avoid over-reliance on any single source.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- BARON DISCOVERY FUND BARON DISCOVERY FUND 1.33%
- BRANDES EMERGING MARKETS VALUE FUND CLASS A 1.32%
- BARON OPPORTUNITY FUND BARON OPPORTUNITY FUND 1.31%
- BRANDES SMALL CAP VALUE FUND CLASS A 1.16%
- DREYFUS STRATEGIC VALUE FUND DREYFUS STRATEGIC VALUE FUND - CLASS A 0.93%
- THE DISCIPLINED GROWTH INVESTORS FUND THE DISCIPLINED GROWTH INVESTORS FUND 0.78%
- iShares MSCI Emerging Markets ex China 0.25%
- FULLER & THALER BEHAVIORAL SMALL-CAP GROWTH FUND INVESTOR SHARES 1.36%
- WisdomTree International Hedged Quality Dividend Growth Fund 0.58%
- NUVEEN NWQ SMALL/MID-CAP VALUE FUND CLASS A 1.31%
- PRUDENTIAL JENNISON INTERNATIONAL OPPORTUNITIES FUND CLASS Z 0.90%
- VANGUARD PRIMECAP FUND INVESTOR SHARES 0.35%
- Weighted costs total (per year) 0.83%
The overall cost level, with a total expense ratio (TER) around 0.83%, is respectable given the heavy use of active funds. Some underlying vehicles carry higher fees above 1%, while others, especially certain ETFs and the large Vanguard fund, are quite cost-efficient. Costs matter because fees come off returns every year, similar to a small headwind that compounds over time. The costs are impressively low, supporting better long-term performance relative to many actively managed growth portfolios. Over time, gently nudging allocations toward lower-cost options when they offer similar exposure can gradually reduce the blended TER without forcing major strategy changes, helping more of the portfolio’s gross return reach the final net outcome.
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.
Risk versus return optimization using the Efficient Frontier compares many possible mixes of existing holdings to find combinations that deliver the highest expected return for each level of volatility. “Efficiency” here means best risk-return trade-off with the same building blocks, not necessarily the most diversified or simplest structure. Given the strong historic and simulated returns alongside notable drawdowns, there may be alternative weightings among these same funds that slightly lower risk without sacrificing much expected growth. Any shift would mainly involve adjusting position sizes, especially for the top three risk contributors, rather than adding or removing products. Re-running an optimization after big market moves can show whether the current mix still sits near the frontier or has drifted into a less efficient zone.
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