This portfolio has only about 1.9 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.
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A growth tilted portfolio with strong US tech exposure and modest diversification beyond large caps

Report created on Dec 16, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is heavily tilted to equities at 90%, with only 7% in bonds and 3% in alternatives like gold and bitcoin. A big chunk is in broad index ETFs, but there’s also noticeable overlap between several US large-cap and growth funds, plus a single stock position in Apple. For a “balanced” profile, this is actually quite growth-leaning. Asset mix matters because it largely drives how bumpy the ride feels in rough markets. To align better with a balanced risk profile, shifting a bit from overlapping growth equity funds into more high‑quality bonds or defensive assets could smooth volatility without abandoning long‑term growth.

Growth Info

Historically, this mix has been a rocket: a 22.85% CAGR means a hypothetical $10,000 could have grown to roughly $28,000 in five years if that rate held. The max drawdown of about -20% is actually quite mild for such a growth‑tilted setup, which speaks to strong recent markets, especially in US tech. The fact that 90% of returns come from just 14 days shows how a few big days drive long‑term results. That’s why staying invested matters. Still, past numbers reflect an unusually strong period; using them as a base case for the future would likely be too optimistic.

Projection Info

The Monte Carlo results project very strong upside: the median scenario suggests more than a 20‑bagger over the test horizon, with even the 5th percentile showing several‑fold growth. Monte Carlo simply takes historical return and volatility patterns, then simulates many possible paths to see a range of outcomes rather than one guess. It’s helpful to understand risk, but it assumes the future will rhyme with the past. Given recent tech‑driven outperformance, these projected returns (around 27% annualized) are almost certainly overstated. Treat them as a stress‑test of variability, not a promise of similar gains.

Asset classes Info

  • Stocks
    90%
  • Bonds
    7%
  • Other
    3%

Across asset classes, the portfolio is strongly equity‑dominated with small slices in bonds, gold, and bitcoin. This equity bias is great for long‑term growth but can feel rough in deep bear markets. The 7% bond weight and 3% “other” provide only a thin cushion when stocks fall together. Compared with many balanced benchmarks, which often hold closer to 30–40% in bonds, this setup is more aggressive. Increasing the share of high‑quality bonds and possibly some defensive alternatives could bring the risk profile closer to a true balanced mix while still keeping the growth engine of equities intact.

Sectors Info

  • Technology
    46%
  • Financials
    8%
  • Consumer Discretionary
    8%
  • Telecommunications
    8%
  • Health Care
    6%
  • Industrials
    5%
  • Consumer Staples
    3%
  • Energy
    2%
  • Basic Materials
    1%
  • Utilities
    1%
  • Real Estate
    1%

Sector‑wise, this portfolio is very tech heavy at 46%, with the rest spread across financials, cyclicals, communication services, healthcare, and other areas. This tech tilt has been a huge plus in recent years, and it aligns with the strong performance numbers you’re seeing. But tech‑heavy portfolios can be hit harder when interest rates rise or when growth expectations cool, because valuations are more sensitive. This sector allocation is well‑balanced relative to common growth‑tilted benchmarks, but anyone wanting more stability could dial back pure tech and shift some equity exposure toward steadier, less cyclical areas to reduce swinginess.

Regions Info

  • North America
    81%
  • Europe Developed
    4%
  • Asia Developed
    2%
  • Asia Emerging
    1%
  • Japan
    1%

Geographically, about 81% in North America plus modest developed international exposure means a strong home‑country bias toward the US. That’s been a winning tilt for the past decade, as US large caps have outperformed much of the world. However, it also ties results heavily to the US economy, policy, and currency. Many global benchmarks hold more non‑US stocks, often 30–40% or more. The existing international funds do add helpful diversification, which is a real positive, but increasing non‑US exposure over time could reduce single‑country risk and potentially capture growth from regions that are currently underrepresented.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    26%
  • Mid-cap
    12%
  • Small-cap
    2%
  • No data
    1%

Market‑cap exposure is dominated by mega and large caps, with nearly three‑quarters in the biggest companies and only a small slice in mid and small caps. Large caps tend to be more stable, well‑researched, and liquid, which has helped this portfolio track broad benchmarks closely. The downside is less participation if smaller companies go through a strong outperformance phase. This breakdown is very typical of core index‑based strategies and aligns well with common benchmarks. For someone comfortable with current risk, it’s solid; for extra diversification, gradually adding more mid/small‑cap exposure could broaden the engine of potential returns.

Redundant positions Info

  • iShares Russell 1000 Growth ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    Vanguard Total World Stock Index Fund ETF Shares
    Vanguard S&P 500 ETF
    Schwab U.S. Large-Cap Growth ETF
    Vanguard Information Technology Index Fund ETF Shares
    Vanguard Russell 1000 Growth Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    High correlation

Many of the equity ETFs here move in very similar ways, especially the S&P 500, total US, global, tech, and large‑cap growth funds. Correlation means how often assets move together; when most holdings are highly correlated, diversification benefits are limited during market drops. The portfolio optimization note correctly flags overlapping exposure that doesn’t add much risk reduction. The broad funds are strong building blocks, so the overlap isn’t “bad,” just somewhat redundant. Simplifying by using fewer, broader ETFs in place of multiple similar growth and large‑cap funds could keep the same general exposure with less complexity and cleaner risk control.

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.

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Based on the optimization results, there appears to be room to improve the risk‑return tradeoff using the existing building blocks. The “Efficient Frontier” is just a curve showing the best possible return for each risk level, given a set of assets. Here, a more efficient mix could keep roughly the same risk while boosting expected return, mainly by trimming highly correlated, overlapping funds and better balancing equities with bonds and diversifiers. Efficiency doesn’t mean the portfolio is “perfect,” only that for a chosen risk level, there’s a smarter way to combine what’s already on the shelf to get more out of each unit of risk taken.

Dividends Info

  • Apple Inc 0.40%
  • iShares Russell 1000 Value ETF 1.70%
  • iShares Russell 1000 Growth ETF 0.40%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.30%
  • SPDR Portfolio High Yield Bond 7.40%
  • Vanguard Intermediate-Term Corporate Bond Index Fund ETF Shares 4.60%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares 0.50%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.22%

The total yield of about 1.22% is on the low side, reflecting a growth‑focused mix with plenty of tech and only a small bond slice. Yield is just the cash income from dividends and interest; it’s helpful for those who want regular payouts but less critical for pure growth seekers. The high‑yield bond and corporate bond ETFs do boost income, and the international equity fund also adds a bit. For an investor more focused on long‑term growth than current cash, this low‑to‑moderate yield is perfectly sensible. If steady income ever becomes a bigger goal, shifting more into bond and dividend‑oriented holdings could help.

Ongoing product costs Info

  • SPDR® Gold Shares 0.40%
  • iShares Bitcoin Trust 0.12%
  • iShares Russell 1000 Value ETF 0.19%
  • iShares Russell 1000 Growth ETF 0.19%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • SPDR Portfolio High Yield Bond 0.05%
  • Vanguard Intermediate-Term Corporate Bond Index Fund ETF Shares 0.04%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares 0.08%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • 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) 0.09%

The overall cost picture is excellent, with a total TER around 0.09%, well below what many investors pay. Most core positions are low‑fee index ETFs, and even the more specialized funds are reasonably priced. Costs matter because fees compound every year in the wrong direction; saving 0.3–0.5 percentage points annually can mean thousands more over decades. This setup is impressively efficient and strongly supports long‑term performance. The main tweak to consider isn’t cutting costs further, but simplifying overlapping positions so that the fee advantage is paired with a cleaner, more intentional mix of underlying exposures.

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