Growth-oriented portfolio with a tech-heavy focus and strong international presence

Report created on Nov 11, 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 heavily weighted towards ETFs, with a significant portion in the Vanguard Total Stock Market Index Fund ETF Shares, making up 60% of the allocation. The Fidelity® MSCI Information Technology Index ETF and Vanguard Total International Stock Index Fund ETF Shares each contribute 20%. This structure emphasizes a growth profile, leveraging broad market exposure with a pronounced tilt towards technology. The diversification is broad, albeit with a strong sectoral focus.

Growth Info

Historically, the portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 15.58%, with a maximum drawdown of -33.89%. This performance is indicative of a high-growth strategy, albeit with volatility that underscores the portfolio’s risk classification of 5 out of 7. The days contributing to 90% of returns being concentrated in a relatively small number of days highlights the impact of significant market movements on performance.

Projection Info

Monte Carlo simulations, using historical data to forecast future performance, suggest a wide range of outcomes. The median projection shows a 650.9% return, with a 5th percentile at 125.8%, indicating potential for substantial growth but also significant risk. It's important to note, however, that while Monte Carlo provides a useful range of potential outcomes, it cannot predict future market conditions with certainty.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio is almost entirely invested in stocks (99%), with a minimal cash holding (1%). This asset class distribution supports the growth objective but also increases exposure to market volatility. The lack of diversification into bonds or alternative asset classes may limit the portfolio's ability to mitigate downturns through asset class performance differences.

Sectors Info

  • Technology
    43%
  • Financials
    13%
  • Industrials
    9%
  • Consumer Discretionary
    8%
  • Health Care
    7%
  • Telecommunications
    7%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

With 43% allocated to technology, the sectoral distribution leans heavily towards high-growth potential areas but also increases sensitivity to sector-specific risks. The presence in financial services, industrials, and other sectors provides some balance, though the emphasis on technology is a defining characteristic of this portfolio's risk and return profile.

Regions Info

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

The geographic allocation is predominantly North American (81%), with smaller exposures to developed Europe, emerging Asia, and other regions. This distribution reflects a strong home bias, which, while leveraging the growth of the U.S. market, may limit global diversification benefits and exposure to potentially faster-growing markets abroad.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    29%
  • Mid-cap
    18%
  • Small-cap
    6%
  • Micro-cap
    2%

The portfolio's market capitalization exposure is skewed towards mega (44%) and big (29%) cap stocks, aligning with its growth orientation and preference for established, large-scale companies. Medium, small, and micro caps represent smaller portions, suggesting a conservative approach to size diversification within the equity allocation.

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.

Given the portfolio's current allocation and risk-return profile, optimization efforts might focus on enhancing diversification without significantly compromising growth potential. Adjusting the asset allocation to include a wider range of sectors, geographies, and perhaps asset classes could improve the portfolio's risk-adjusted returns. The Efficient Frontier model can help identify such opportunities, though it's based on historical data and assumptions about future correlations and volatilities.

Dividends Info

  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.28%

The dividend yields from the ETFs contribute to the portfolio's income, with a total yield of 1.28%. While not the primary focus of a growth-oriented strategy, these dividends provide a modest income stream and potential for reinvestment, enhancing compounding effects over time.

Ongoing product costs Info

  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

The portfolio benefits from low total expense ratios (TER) across the ETFs, averaging 0.04%. This cost efficiency supports better net returns over the long term by minimizing the drag on performance that higher fees can cause.

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