A growth focused equity portfolio with strong US tilt and low costs for a balanced risk profile

Report created on Dec 30, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is almost entirely in stocks through broad, low‑cost ETFs, with a small cash buffer. Around half tracks a large US index, a quarter tracks international stocks, and a slice leans into a concentrated growth index plus a few thematic funds. Compared with a typical “balanced” mix, this setup holds more equities and no dedicated bonds, so it’s more growth‑oriented than the risk label suggests. That matters because portfolio ups and downs will mostly follow global stock markets. If a smoother ride is important, gradually adding some defensive assets over time could align the real‑world behavior more closely with the stated balanced profile.

Growth Info

Historically, the mix has delivered a very strong compound annual growth rate (CAGR) of about 22%. CAGR is like asking, “On average, how much did this grow per year?” if the ride had been smooth. A max drawdown of roughly ‑16% means that from a peak, the biggest drop was relatively mild compared with typical equity market crashes. Versus a broad global stock benchmark, this looks like a strong, growth‑tilted result driven by US and tech exposure. It’s important to remember that past performance does not guarantee future results, and unusually strong periods can make returns look better than what’s realistic going forward.

Projection Info

The Monte Carlo analysis, which runs 1,000 random “what if” paths based on historical patterns, shows wide potential outcomes. Monte Carlo is like simulating many alternate futures to see a range of ending values instead of one guess. Here, even the 5th percentile path finishes well ahead of the starting point, and the median path more than triples. An average simulated annual return above 30% is extremely aggressive and probably not a reliable long‑term expectation. These simulations rely heavily on recent performance and volatility, so they can easily overstate future returns. It may be more realistic to mentally budget for significantly lower long‑run growth than the model suggests.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Almost 99% of this portfolio sits in stocks, with just 1% in cash and no meaningful allocation to bonds or other diversifiers. For growth, that’s powerful: equities historically beat inflation over long horizons. However, relying almost entirely on one asset class can amplify swings during market stress. Typical “balanced” portfolios often mix in defensive assets to soften downturns and provide dry powder to rebalance into dips. This allocation is well-balanced within equities and aligns closely with global standards, but if more stability is desired, slowly building a sleeve of lower‑volatility assets could help smooth the ride without completely sacrificing long‑term growth potential.

Sectors Info

  • Technology
    29%
  • Financials
    13%
  • Industrials
    11%
  • Consumer Discretionary
    10%
  • Telecommunications
    9%
  • Health Care
    8%
  • Utilities
    7%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Real Estate
    2%

Sector exposure is broad, with technology leading, followed by financials, industrials, consumer areas, communication services, and healthcare, plus a notable utilities slice and smaller allocations to energy, materials, and real estate. This spread across 10+ sectors is a solid sign of diversification, and the core index funds help keep things aligned with common benchmarks. The tilt toward tech and growth‑oriented companies is typical for US‑heavy portfolios and has boosted returns recently, but it may mean larger drawdowns if growth stocks fall out of favor or interest rates rise. The dedicated utilities and nuclear energy sleeves add some defensiveness and a unique theme, which can slightly balance the growth tilt.

Regions Info

  • North America
    75%
  • Europe Developed
    11%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is strongly tilted to North America, with about three‑quarters in that region and the rest spread across Europe, Asia, and smaller allocations to other areas. This mirrors many global benchmarks that are dominated by US companies, so the alignment with common standards is strong. The international allocation around a quarter of the portfolio adds useful diversification, since non‑US markets can perform differently over a decade or more. That said, the US tilt means outcomes will still be heavily driven by one economy and currency. For some investors, nudging non‑US exposure a bit higher can reduce reliance on a single region without dramatically changing the overall risk level.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    34%
  • Mid-cap
    19%
  • Small-cap
    3%

Most holdings are in mega and large companies, with some mid‑cap and a modest small‑cap slice. This size mix is very similar to broad equity benchmarks and is generally a positive sign, since large firms tend to be more stable and liquid, while mids and smalls provide some extra growth potential and diversification. The tiny micro‑cap exposure keeps risk from very volatile, thinly traded names low. In practice, this means the portfolio should behave a lot like mainstream global stock indexes, with movements driven mostly by the biggest household‑name companies. Anyone wanting more aggressive upside could tilt slightly more to smaller caps, while those preferring stability might stick close to this current blend.

Redundant positions Info

  • Invesco NASDAQ 100 ETF
    Vanguard S&P 500 ETF
    High correlation

The core US index ETF and the NASDAQ‑focused ETF are highly correlated, meaning they tend to move up and down together. Correlation is a measure of how similarly two investments behave; when it’s high, you’re basically doubling down on the same risk factor. This overlap limits diversification, since both funds are heavily influenced by large US growth and tech names. Your portfolio's sector composition matches benchmark data, which is a strong indicator of diversification, but trimming overlapping pieces can sometimes keep risk the same while freeing space for more distinct exposures. Being intentional about where correlation is useful and where it’s just redundancy can make the risk taken work harder.

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.

Based on Efficient Frontier analysis, this set of holdings could potentially be rearranged into a more “efficient” mix. The Efficient Frontier is a curve showing combinations of the same ingredients that offer the best trade‑off between risk and return. Here, a different weighting of the existing funds appears to deliver a higher expected return at roughly the same volatility, and the model’s optimal point sits at a similar risk level but with stronger projected performance. Efficiency here refers strictly to risk‑return math, not personal goals or comfort with volatility. Any shift toward the efficient mix should consider real‑world issues like tracking error, taxes, and how comfortable the investor is with a more concentrated growth tilt.

Dividends Info

  • Fidelity® MSCI Utilities Index ETF 2.70%
  • VanEck Uranium+Nuclear Energy ETF 2.50%
  • Invesco NASDAQ 100 ETF 0.50%
  • Global X Funds 0.20%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.20%
  • Weighted yield (per year) 1.64%

The overall dividend yield of around 1.6% is modest, which fits a growth‑oriented, equity‑heavy mix. Yield is stronger in areas like utilities and international stocks and lighter in the growth and tech‑tilted pieces. Dividends matter because they’re a steady component of total return and can help in sideways or down markets, even if share prices are volatile. This level of income won’t replace a paycheck, but it does add a bit of ballast. For anyone who cares more about current cash flow, gradually increasing the share of higher‑yielding, stable segments over time could raise the income stream without abandoning the core growth focus.

Ongoing product costs Info

  • Fidelity® MSCI Utilities Index ETF 0.08%
  • VanEck Uranium+Nuclear Energy ETF 0.61%
  • Invesco NASDAQ 100 ETF 0.15%
  • Global X Funds 0.50%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.08%

The blended expense ratio (often called TER, or total expense ratio) is impressively low at about 0.08%. TER is basically the annual fee baked into each fund, quietly deducted in the background. Keeping costs this low is a huge long‑term advantage because every fraction of a percent saved compounds over years, just like investment returns. The mix of ultra‑cheap core index funds and a few slightly pricier thematic ETFs is well-balanced and aligns closely with cost‑efficient best practices. The costs are impressively low, supporting better long‑term performance. If at some point similar exposures are available at even lower fees, considering a one‑time switch could further sharpen efficiency.

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