A growth-focused portfolio with strong S&P 500 representation and diversified sector exposure

Report created on Aug 20, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio showcases a significant allocation towards S&P 500 ETFs, making up over a third of the portfolio, with a broader diversification across financial, industrial, and technology sectors. This structure indicates a growth-oriented strategy with a blend of stability from large-cap stocks and potential for higher returns from sector-specific ETFs and funds. The presence of real estate and international funds adds a layer of diversification, although the heavy S&P 500 focus suggests potential overlap and concentration risk.

Growth Info

With a historical Compound Annual Growth Rate (CAGR) of 12.48% and a maximum drawdown of -37.66%, the portfolio demonstrates strong growth potential balanced with significant volatility. The days contributing to 90% of returns highlight the impact of short-term gains, emphasizing the importance of staying invested during key market movements. Comparing these figures to benchmarks could provide further insight into performance relative to market averages.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with a median increase of 283.8%, underscoring the portfolio's growth potential. However, the 5th percentile showing a slight decline indicates a non-negligible risk of loss in adverse market conditions. It's crucial to remember that these projections are based on historical data and assumptions, meaning actual future performance could vary.

Asset classes Info

  • Stocks
    91%
  • Real Estate
    8%
  • Cash
    1%

The portfolio's asset allocation leans heavily towards stocks (91%), with a smaller allocation to real estate (8%) and minimal cash holdings (1%). This composition aligns with a growth-focused strategy but carries higher risk due to the volatility associated with equities. Diversifying further into other asset classes like bonds or commodities could provide additional risk mitigation.

Sectors Info

  • Technology
    22%
  • Financials
    19%
  • Industrials
    15%
  • Real Estate
    9%
  • Energy
    7%
  • Health Care
    6%
  • Consumer Discretionary
    6%
  • Utilities
    5%
  • Telecommunications
    4%
  • Consumer Staples
    4%
  • Basic Materials
    2%

Sector allocations reveal a balanced approach with significant investments in technology, financial services, and industrials. This sector diversity supports growth while offering some protection against sector-specific downturns. However, the tech sector's prominence may increase volatility, especially during market corrections or interest rate hikes.

Regions Info

  • North America
    74%
  • Europe Developed
    16%
  • Japan
    4%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Australasia
    1%

Geographic distribution is heavily weighted towards North America (74%), with smaller exposures to developed Europe (16%) and other regions. This concentration enhances exposure to the US economy's growth potential but may limit global diversification benefits, particularly in emerging markets.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    29%
  • Mid-cap
    23%
  • Micro-cap
    7%
  • Small-cap
    6%

The market capitalization breakdown shows a preference for mega (34%) and big (29%) cap stocks, contributing to portfolio stability and growth. Medium, micro, and small caps represent smaller portions, suggesting a cautious approach to riskier investments. Adjusting these allocations could fine-tune the risk-return profile.

Redundant positions Info

  • Vanguard S&P 500 ETF
    SPDR S&P 500 ETF Trust
    High correlation

The high correlation between the Vanguard and SPDR S&P 500 ETFs indicates redundancy, which may not contribute to diversification. Reducing exposure to similar assets can enhance portfolio efficiency by decreasing unnecessary overlap without sacrificing potential returns.

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.

Optimizing the portfolio involves addressing the high correlation between certain assets to improve diversification. This step, alongside considering adjustments in sector, geographic, and market cap allocations, could enhance the risk-return profile. The Efficient Frontier analysis could further identify opportunities to optimize asset allocation for better returns at a given level of risk.

Dividends Info

  • Davis Select Financial ETF 1.90%
  • Fidelity® MSCI Industrials Index ETF 1.30%
  • Fidelity Select Semiconductors Portfolio 7.30%
  • Invesco S&P International Developed Quality ETF 2.30%
  • Invesco KBW Premium Yield Equity REIT ETF 8.90%
  • SPDR S&P 500 ETF Trust 1.10%
  • VANGUARD ENERGY FUND INVESTOR SHARES 3.40%
  • Vanguard International Dividend Appreciation Index Fund ETF Shares 1.80%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard FTSE All-World ex-US Small-Cap Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 2.71%

The portfolio's total dividend yield stands at 2.71%, contributing to overall returns. High-yielding investments like the Invesco KBW Premium Yield Equity REIT ETF enhance income, which can be particularly appealing for income-focused investors or those seeking cash flow in retirement.

Ongoing product costs Info

  • Davis Select Financial ETF 0.64%
  • Fidelity® MSCI Industrials Index ETF 0.08%
  • Fidelity Select Semiconductors Portfolio 0.62%
  • Invesco S&P International Developed Quality ETF 0.29%
  • Invesco KBW Premium Yield Equity REIT ETF 0.35%
  • SPDR S&P 500 ETF Trust 0.10%
  • VANGUARD ENERGY FUND INVESTOR SHARES 0.45%
  • Vanguard International Dividend Appreciation Index Fund ETF Shares 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard FTSE All-World ex-US Small-Cap Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.24%

With an average Total Expense Ratio (TER) of 0.24%, the portfolio is cost-efficient, enhancing net returns over the long term. Keeping costs low is crucial for maximizing investment growth, especially in a diversified portfolio where expenses can vary significantly across different funds and ETFs.

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