A globally diversified portfolio with a strong tech tilt and efficient cost structure

Report created on Jul 8, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Your portfolio is structured around major ETFs, focusing on broad market exposure with a significant tilt towards technology. The Vanguard Total World Stock Index Fund ETF Shares, making up 60% of the portfolio, provide a global market footprint. The Invesco NASDAQ 100 and SPDR® Portfolio S&P 500 ETFs enhance this with a strong U.S. and tech market emphasis. The inclusion of the Avantis® U.S. Small Cap Value ETF introduces a value play into an otherwise growth-oriented setup. This composition reflects a strategy that seeks growth through tech and large-cap stocks while maintaining global diversification.

Growth Info

Historically, your portfolio has achieved a Compound Annual Growth Rate (CAGR) of 14.06%, with a maximum drawdown of -26.67%. These figures suggest robust growth potential tempered by moderate volatility. The performance is particularly notable for the days contributing most to returns, indicating significant gains can be concentrated in relatively short periods. This underscores the importance of staying invested through market cycles to capture peak growth days, aligning well with a balanced risk profile that can withstand short-term downturns for long-term gains.

Projection Info

Monte Carlo simulations, using historical data to forecast potential outcomes, suggest a wide range of future performance scenarios for your portfolio. With 997 out of 1,000 simulations showing positive returns, the model predicts a median increase of 647.7% in portfolio value. While promising, it's crucial to remember these projections are hypothetical and subject to market conditions. They serve as a guide, not a guarantee, emphasizing the need for ongoing risk management and portfolio adjustments.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Your portfolio's asset allocation is heavily weighted towards stocks (99%), with a minimal cash reserve (1%). This allocation is consistent with a growth-oriented strategy but comes with higher volatility and risk. Diversification across asset classes can mitigate risk, and while your portfolio is broadly diversified within equities, the minimal cash holding limits flexibility in market downturns. Consider if a slight increase in cash or other asset classes might offer better risk management without significantly compromising growth potential.

Sectors Info

  • Technology
    31%
  • Financials
    14%
  • Consumer Discretionary
    12%
  • Telecommunications
    10%
  • Industrials
    10%
  • Health Care
    8%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

The sectoral allocation reveals a strong emphasis on technology (31%), followed by financial services and consumer cyclicals. This tech-heavy orientation aligns with recent trends favoring technology stocks but also increases susceptibility to sector-specific downturns. Diversification across sectors can cushion against volatility, and your portfolio demonstrates a balanced approach, albeit with a pronounced tech tilt. Reflect on whether this sector concentration aligns with your risk tolerance and long-term investment goals.

Regions Info

  • North America
    78%
  • Europe Developed
    9%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    2%
  • Australasia
    1%
  • Latin America
    1%
  • Africa/Middle East
    1%

Geographically, your portfolio is predominantly invested in North America (78%), with diversified exposure across developed and emerging markets. This North American focus capitalizes on the robust U.S. market but may limit potential gains from faster-growing economies. Considering adding more to emerging and developed markets outside the U.S. could enhance diversification and potentially increase returns, aligning your portfolio more closely with global economic growth trends.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    30%
  • Mid-cap
    16%
  • Small-cap
    6%
  • Micro-cap
    3%

The market capitalization breakdown shows a preference for mega (44%) and big (30%) cap stocks, indicative of a risk-averse strategy favoring established, stable companies. While this can offer stability and consistent returns, integrating more medium, small, or micro-cap stocks could introduce higher growth potential, albeit with increased risk. Evaluating your comfort with potentially higher volatility for the chance of greater returns is advisable.

Redundant positions Info

  • Vanguard Total World Stock Index Fund ETF Shares
    SPDR® Portfolio S&P 500 ETF
    High correlation

The high correlation between the Vanguard Total World Stock Index Fund ETF Shares and the SPDR® Portfolio S&P 500 ETF indicates overlapping exposures, which may limit diversification benefits. Reducing redundant holdings could streamline your portfolio, potentially enhancing returns by reallocating to less correlated, complementary assets. This adjustment would maintain diversification while possibly improving the overall risk-return profile.

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 focusing on reducing overlap in highly correlated assets to optimize the risk-return ratio. This optimization doesn't necessarily mean achieving the highest returns but finding the best balance between risk and return for your portfolio. Considering adjustments to decrease redundancy could lead to a more efficient portfolio, potentially offering improved performance for the same level of risk.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Invesco NASDAQ 100 ETF 0.50%
  • SPDR® Portfolio S&P 500 ETF 1.20%
  • Vanguard Total World Stock Index Fund ETF Shares 1.80%
  • Weighted yield (per year) 1.44%

Your portfolio's dividend yield averages 1.44%, contributing to total returns alongside capital appreciation. This yield, while modest, offers a steady income stream, complementing growth from stock price increases. Given the growth orientation of your portfolio, the dividend yield is appropriately balanced, providing income without sacrificing significant growth potential. Regularly reviewing dividend-yielding assets ensures they continue to meet your income and growth objectives.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.09%

The portfolio's total expense ratio (TER) of 0.09% is impressively low, enhancing long-term return potential by minimizing costs. This efficient cost structure is a strong point, ensuring more of your investment's growth is retained. Maintaining low costs is crucial for long-term investment success, and your portfolio exemplifies this principle well.

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