A growth-oriented portfolio with a strong focus on technology and US markets

Report created on Oct 8, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is predominantly invested in ETFs, with a heavy emphasis on the US market, evidenced by a 50% allocation to the Vanguard S&P 500 ETF. The inclusion of international, mid-cap momentum, small-cap value, and technology-specific ETFs indicates a strategy aimed at capturing growth across a broad spectrum of market capitalizations and geographies, though with a strong tilt towards the US. The diversification across different ETFs, focusing on various segments, aligns with a growth profile that seeks to mitigate risk through broad exposure.

Growth Info

Historically, this portfolio has shown a Compound Annual Growth Rate (CAGR) of 16.44%, with a maximum drawdown of -35.29%. The days contributing to 90% of returns being concentrated in 19 days suggests a performance highly dependent on a few significant market movements. This volatility is typical for growth-oriented portfolios with substantial equity exposure. Comparing this performance against benchmarks for similar risk profiles could provide further insight into its relative efficiency.

Projection Info

Monte Carlo simulations, which use historical data to forecast a range of possible outcomes, suggest a wide variability in potential future performance. With the majority of simulations indicating positive returns and an annualized return projection of 19.57%, the portfolio shows promise. However, it's crucial to remember that these projections are speculative and depend on past market behavior, which is not always a reliable indicator of future performance.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The asset allocation is heavily skewed towards stocks (99%), with a minimal cash reserve (1%). This allocation supports the portfolio's growth orientation but also increases its susceptibility to market volatility. The absence of bonds or alternative investments limits its ability to hedge against stock market downturns. For a growth-focused investor, this aggressive stance may be appropriate, but it's essential to understand the increased risk.

Sectors Info

  • Technology
    28%
  • Financials
    17%
  • Industrials
    13%
  • Consumer Discretionary
    11%
  • Health Care
    8%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

The sectoral distribution shows a significant weighting in technology (28%), followed by financial services and industrials. This concentration in tech aligns with the portfolio's growth ambitions, given the sector's historical performance. However, it also introduces sector-specific risks, including susceptibility to regulatory changes and market sentiment shifts. Balancing sector exposures can help mitigate these risks without diluting potential returns significantly.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Latin America
    1%
  • Africa/Middle East
    1%

With 81% of assets allocated to North America, the portfolio is heavily biased towards the US market. This concentration enhances exposure to the world's largest economy but also increases vulnerability to regional economic cycles. Expanding into more diverse international holdings could offer broader exposure to global growth trends and reduce geographic risk.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    25%
  • Mid-cap
    20%
  • Small-cap
    14%
  • Micro-cap
    5%

The market capitalization breakdown reveals a diversified approach, with allocations to mega (35%), big (25%), medium (20%), small (14%), and micro (5%) cap stocks. This spread across different market caps can help capture growth in various segments, from established leaders to emerging companies. However, the emphasis on larger companies is consistent with the portfolio's growth and risk 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.

Considering the Efficient Frontier, this portfolio appears well-positioned for growth investors, balancing risk and return effectively. However, the heavy reliance on certain sectors and geographies suggests room for optimization. Adjusting allocations to reduce concentration risks could potentially move the portfolio closer to the Efficient Frontier, achieving a more efficient risk-return profile without compromising growth objectives.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 1.38%

The portfolio's dividend yield averages 1.38%, contributing to its total return. While growth portfolios often de-emphasize dividends in favor of capital appreciation, this yield indicates a balanced approach, providing income alongside potential price gains. Reinvesting these dividends could compound growth over time, although the primary focus remains on asset appreciation.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.11%

The Total Expense Ratio (TER) of 0.11% is impressively low, maximizing the potential for net returns. Keeping costs down is crucial for long-term investment success, especially in growth portfolios where the compounding effect can significantly amplify the impact of fees. This portfolio benefits from cost-effective ETFs, enhancing its attractiveness.

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