Growth-focused portfolio with a strong tilt towards technology and North American equities

Report created on Sep 8, 2025

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

The portfolio is heavily weighted towards growth-oriented investments, with a significant 70% allocation to a growth index fund. This emphasis on growth is complemented by diversification across international stocks, value funds, and small-cap indices. However, the concentration in growth assets suggests a preference for higher potential returns, albeit with increased risk. The moderate diversification score reflects a balance between concentrated positions and a spread across various sectors and geographies, though it leans heavily on North American equities.

Growth Info

Historically, this portfolio has demonstrated robust performance with a Compound Annual Growth Rate (CAGR) of 15.80%. The maximum drawdown of -32.98% indicates a period of significant value decline, which is a critical consideration for risk assessment. The days contributing to 90% of returns being concentrated in a relatively small number suggests volatility and the importance of staying invested during key market movements. Comparing this performance against benchmarks would help contextualize these figures, especially the drawdown in relation to overall market corrections.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, show a wide range of potential portfolio values. The 50th percentile outcome of a 283.6% increase is promising, but the 5th percentile at -1.8% highlights the risk of loss. These projections are useful for understanding potential volatility and the importance of risk tolerance. However, it's crucial to remember that these simulations cannot predict future market movements with certainty.

Asset classes Info

  • Stocks
    95%
  • Cash
    1%

With 95% of the portfolio in stocks, the asset class allocation underscores a growth-oriented strategy. This high equity exposure is suited for investors with a higher risk tolerance and a long-term investment horizon. The minimal cash holding suggests a fully invested stance, aiming to maximize market participation. Comparing to a balanced benchmark, this allocation might be more volatile but offers higher potential returns.

Sectors Info

  • Technology
    38%
  • Consumer Discretionary
    13%
  • Telecommunications
    11%
  • Financials
    10%
  • Industrials
    7%
  • Health Care
    7%
  • Consumer Staples
    3%
  • Real Estate
    2%
  • Basic Materials
    2%
  • Energy
    2%
  • Utilities
    1%

The sector allocation reveals a heavy tilt towards technology, which could drive significant growth but also adds sector-specific risk. The presence of consumer cyclicals and communication services further indicates a focus on high-growth potential sectors. However, this concentration may increase susceptibility to sector-specific downturns. Diversifying more evenly across sectors could reduce volatility without drastically compromising growth potential.

Regions Info

  • North America
    87%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%

Geographically, the portfolio is predominantly invested in North America, with limited exposure to international markets. This concentration benefits from the strong performance of North American equities but may miss out on potential gains from emerging and developed markets outside this region. Increasing international diversification could enhance returns and reduce geographic risk.

Market capitalization Info

  • Mega-cap
    52%
  • Large-cap
    24%
  • Mid-cap
    15%
  • Small-cap
    4%
  • Micro-cap
    1%

The allocation across market capitalizations shows a preference for mega and big-cap stocks, aligning with the growth and stability these companies often provide. However, the relatively smaller allocation to mid, small, and micro-cap stocks limits exposure to higher growth potential and diversification benefits these segments can offer. A more balanced market cap distribution could improve risk-adjusted returns.

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 portfolio's current allocation, optimizing for the Efficient Frontier could enhance the risk-return profile. This optimization suggests adjusting allocations to achieve the best possible return for a given level of risk. Given the portfolio's growth focus and risk score, there may be opportunities to rebalance towards assets that offer similar returns with lower volatility or higher returns for the same level of risk.

Dividends Info

  • John Hancock Var Ins Tr Mid Cap Index Tr 4.30%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.40%
  • VANGUARD SMALL-CAP GROWTH INDEX FUND ADMIRAL SHARES 0.50%
  • VANGUARD SMALL-CAP VALUE INDEX FUND ADMIRAL SHARES 2.00%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 2.00%
  • VANGUARD VALUE INDEX FUND ADMIRAL SHARES 2.10%
  • Weighted yield (per year) 0.94%

Dividend yields across the funds vary, contributing to a total portfolio yield of 0.94%. While the focus on growth stocks typically comes with lower dividend yields, this income can provide a cushion during market downturns. Considering the portfolio's growth orientation, the current yield seems appropriate, but investors seeking income might look for higher-yielding opportunities.

Ongoing product costs Info

  • John Hancock Var Ins Tr Mid Cap Index Tr 0.04%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.05%
  • VANGUARD SMALL-CAP GROWTH INDEX FUND ADMIRAL SHARES 0.07%
  • VANGUARD SMALL-CAP VALUE INDEX FUND ADMIRAL SHARES 0.07%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 0.09%
  • VANGUARD VALUE INDEX FUND ADMIRAL SHARES 0.05%
  • Weighted costs total (per year) 0.05%

The portfolio's overall expense ratio is impressively low, averaging 0.05%, which supports better long-term performance by minimizing cost drag. This cost efficiency is particularly beneficial in a growth-focused portfolio, where the compound effect of costs can significantly impact net returns over time.

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