Growth-oriented portfolio with a strong tilt towards technology and U.S. equities

Report created on Aug 18, 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 characterized by a significant allocation to U.S. equities, particularly through the Vanguard S&P 500 ETF, which comprises 55% of the portfolio. The inclusion of the Avantis® U.S. Small Cap Value ETF, Vanguard Information Technology Index Fund ETF Shares, and Vanguard Total International Stock Index Fund ETF Shares adds diversification across market capitalizations and international markets. However, the heavy emphasis on technology and U.S. stocks indicates a growth-oriented approach with a higher risk-reward profile.

Growth Info

Historically, this portfolio has demonstrated robust performance with a Compound Annual Growth Rate (CAGR) of 17.09%. The maximum drawdown of -35.21% points to significant volatility, likely influenced by the portfolio's substantial exposure to the technology sector and large-cap U.S. equities. The days contributing to 90% of returns being concentrated in just 18.0 days suggests that the portfolio's performance is subject to sharp, short-term movements, typical of growth-focused investments.

Projection Info

Monte Carlo simulations, which use historical data to forecast potential future outcomes, suggest a wide range of possible future portfolio values. With 989 out of 1,000 simulations showing positive returns, and a median projected increase of 681.3%, the forward-looking analysis supports an optimistic growth trajectory. However, the inherent limitations of relying on past performance to predict future results should be considered.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's allocation is heavily weighted towards stocks (99%), with a minimal cash holding (1%). This allocation underscores the portfolio's growth orientation but also its susceptibility to market fluctuations. Diversification across different asset classes could provide a buffer against volatility and should be considered for balancing risk.

Sectors Info

  • Technology
    36%
  • Financials
    15%
  • Consumer Discretionary
    10%
  • Industrials
    9%
  • Health Care
    7%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector allocation reveals a strong emphasis on technology (36%), financial services (15%), and consumer cyclicals (10%), aligning with a growth-focused investment strategy. While this sector concentration may drive higher returns during bullish market phases, it also increases the portfolio's vulnerability to sector-specific downturns. Diversifying across a broader range of sectors could mitigate this risk.

Regions Info

  • North America
    85%
  • Europe Developed
    6%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic allocation is predominantly in North America (85%), with modest exposure to developed Europe (6%) and emerging Asian markets (2%). This geographical distribution emphasizes the portfolio's reliance on U.S. market performance. Expanding international exposure, particularly to emerging markets, could enhance diversification and potential for growth.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    27%
  • Mid-cap
    14%
  • Small-cap
    9%
  • Micro-cap
    8%

The portfolio's market capitalization exposure leans heavily towards mega (40%) and big (27%) cap stocks, supporting its growth and risk profile. However, the presence of small (9%) and micro (8%) cap stocks introduces additional growth potential and risk. A more balanced market cap distribution could help in smoothing out performance over time.

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 Efficient Frontier, this portfolio appears to be positioned for high returns but accepts a correspondingly high level of risk. Adjustments to achieve a more optimal risk-return balance could involve diversifying across additional asset classes and reducing sector and geographic concentrations. This strategy aims to maintain growth potential while mitigating volatility.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.38%

The portfolio's average dividend yield stands at 1.38%, with the highest yield coming from the Vanguard Total International Stock Index Fund ETF Shares at 2.70%. While dividends contribute to total returns, the portfolio's growth orientation suggests that capital appreciation is the primary goal. Investors seeking income might consider a higher allocation to assets with substantial dividend yields.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • 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 portfolio benefits from low overall costs, with a total expense ratio (TER) of 0.08%. This efficient cost structure is advantageous for long-term growth, as lower costs directly translate to higher net returns. Maintaining focus on cost-effective investments remains a prudent strategy.

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