A growth-focused portfolio with a strong tilt towards large-cap and technology sectors

Report created on Aug 24, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is heavily weighted towards ETFs, with significant allocations in Vanguard Mega Cap Value Index Fund ETF Shares and Schwab U.S. Large-Cap Growth ETF, comprising over 58% of the portfolio. This structure suggests a focus on large-cap stocks, particularly in the value and growth segments. The inclusion of Avantis® International Small Cap Value ETF and Avantis® U.S. Small Cap Value ETF introduces small-cap exposure, enhancing diversification. However, the portfolio's asset class concentration in stocks, without bonds or alternative investments, indicates a higher risk profile, aligning with its growth orientation.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 15.77%, with a maximum drawdown of -35.83%. These figures reflect a strong performance, albeit with significant volatility. The days contributing to 90% of returns being concentrated in a mere 18 days highlight the portfolio's susceptibility to short-term market movements. Comparing this performance to relevant benchmarks would help in assessing its relative strength, especially considering the high growth focus and associated risks.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with the 50th percentile suggesting a 501.7% return. This optimistic median outcome, alongside a high count of simulations yielding positive returns (981 out of 1,000), indicates strong potential for future growth. However, the significant spread between the 5th and 67th percentiles underscores the inherent uncertainty and risk, emphasizing the need for ongoing risk management and diversification strategies.

Asset classes Info

  • Stocks
    100%

The portfolio's exclusive investment in stocks, without bonds or cash holdings, is typical for growth-oriented investors willing to accept higher volatility for the potential of greater returns. This asset class concentration enhances the portfolio’s growth potential but also increases its risk, especially in market downturns. Diversifying across different asset classes, including fixed income or real assets, could provide a buffer against stock market volatility.

Sectors Info

  • Technology
    21%
  • Financials
    18%
  • Industrials
    14%
  • Consumer Discretionary
    11%
  • Health Care
    10%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    6%
  • Basic Materials
    5%
  • Utilities
    2%
  • Real Estate
    1%

The sector allocation reveals a strong emphasis on Technology and Financial Services, combined accounting for 39% of the portfolio. This concentration in sectors known for volatility but also significant growth potential is in line with the portfolio's growth profile. However, the heavy weighting towards specific sectors increases susceptibility to sector-specific risks. Broadening sector exposure could mitigate this risk while still targeting growth.

Regions Info

  • North America
    82%
  • Europe Developed
    10%
  • Japan
    5%
  • Australasia
    2%
  • Africa/Middle East
    1%

Geographic distribution is heavily skewed towards North America (82%), with modest exposure to developed markets in Europe and Japan. This concentration enhances the portfolio's potential to capitalize on the growth of the U.S. economy and its technological leadership. However, the limited exposure to emerging markets and other developed regions may restrict diversification benefits and opportunities for global growth.

Market capitalization Info

  • Large-cap
    32%
  • Mega-cap
    27%
  • Mid-cap
    25%
  • Small-cap
    9%
  • Micro-cap
    5%

The portfolio's market capitalization breakdown shows a balanced exposure across big, mega, and medium-cap stocks, with a smaller allocation to small and micro-cap stocks. This distribution supports a growth strategy while offering a degree of stability through large and mega-cap investments. However, increasing the allocation to small and micro-cap stocks could further enhance growth prospects, albeit at a higher risk.

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.

The current allocation suggests room for optimization towards the Efficient Frontier, aiming for the best possible risk-return ratio. Adjusting allocations among the existing assets could improve the portfolio's efficiency, potentially enhancing returns for a given level of risk. Regular reviews and adjustments in response to market changes are advisable to maintain optimal positioning.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.60%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • WisdomTree International Hedged Quality Dividend Growth Fund 2.60%
  • iShares Morningstar Mid-Cap Growth ETF 0.70%
  • iShares Morningstar Mid-Cap Value ETF 2.40%
  • Vanguard Mega Cap Value Index Fund ETF Shares 2.10%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Weighted yield (per year) 1.75%

The overall dividend yield of 1.75% contributes to the portfolio's total return, with notable variations across ETFs. While the focus on growth may naturally lead to a lower yield, dividends still provide a source of income and potential reinvestment opportunities. Balancing growth and income-producing assets could enhance the portfolio's resilience and return profile.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • WisdomTree International Hedged Quality Dividend Growth Fund 0.58%
  • iShares Morningstar Mid-Cap Growth ETF 0.06%
  • iShares Morningstar Mid-Cap Value ETF 0.06%
  • Vanguard Mega Cap Value Index Fund ETF Shares 0.07%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Weighted costs total (per year) 0.15%

With a Total Expense Ratio (TER) of 0.15%, the portfolio benefits from relatively low costs, supporting better long-term performance. The minimal expense ratios of the ETFs selected indicate efficient cost management, a crucial factor in maximizing net returns. Continually monitoring and minimizing costs remains essential for enhancing investment outcomes.

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