A growth-oriented portfolio with a diverse global exposure and a focus on value and momentum factors

Report created on Nov 15, 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 spans a wide range of geographies and sectors, with a 40% allocation in international equities (SPDR S&P World ex US ETF) and a balanced mix of small and large-cap value funds alongside momentum and quality factor ETFs. Such a structure is indicative of a strategy aiming for growth through diversification across market capitalizations and investment styles. The emphasis on both value and momentum strategies suggests an approach to capitalize on market inefficiencies and trends, respectively.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 11.96%, with a significant drawdown of -36.86%. This performance, characterized by a relatively high CAGR amidst a notable maximum drawdown, underscores the growth focus but also highlights potential volatility. The days contributing to 90% of returns being so few indicates that performance heavily depends on short, significant market movements, which could be a risk factor for investors seeking more stable returns.

Projection Info

Monte Carlo simulations, using historical data to project future outcomes, show a wide range of potential returns, with a median increase of 386.5%. While simulations can provide insight, it's crucial to remember that they are based on past data and cannot predict future market conditions perfectly. The high percentile outcomes suggest optimism, but the substantial spread underscores the inherent uncertainty and risk in equity investing.

Asset classes Info

  • Stocks
    99%

The portfolio is almost entirely composed of stocks (99%), with negligible allocations to other asset classes. This allocation aligns with the portfolio's growth profile but comes with higher volatility and risk compared to more diversified asset class exposures. Investors should be aware of the potential for significant fluctuations in portfolio value, especially during market downturns.

Sectors Info

  • Financials
    22%
  • Industrials
    16%
  • Technology
    16%
  • Health Care
    9%
  • Consumer Staples
    7%
  • Consumer Discretionary
    6%
  • Telecommunications
    5%
  • Energy
    4%
  • Basic Materials
    4%
  • Real Estate
    4%
  • Utilities
    3%
  • Consumer Discretionary
    3%

Sector allocation shows a heavy emphasis on financial services, industrials, and technology, comprising over half of the portfolio. This concentration may offer higher growth potential but also exposes the portfolio to sector-specific risks, such as regulatory changes or economic cycles affecting these industries disproportionately.

Regions Info

  • North America
    61%
  • Europe Developed
    20%
  • Japan
    10%
  • Asia Developed
    4%
  • Australasia
    3%
  • Latin America
    1%

Geographically, the portfolio is heavily weighted towards North America (61%), with significant exposure to developed markets in Europe and Japan. This distribution provides a good balance between the stability of developed markets and the growth potential of international diversification. However, the minimal exposure to emerging markets might limit opportunities for higher growth rates available in these regions.

Market capitalization Info

  • Large-cap
    29%
  • Mega-cap
    24%
  • Mid-cap
    19%
  • Small-cap
    15%
  • Micro-cap
    6%

The market capitalization breakdown indicates a balanced approach, with allocations across big, mega, medium, small, and micro caps. This diversity can help mitigate risk and capitalize on growth opportunities in different market segments. However, the relatively lower exposure to mega and big caps suggests a higher risk profile, given the typically more volatile nature of smaller cap stocks.

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.

When considering risk vs. return optimization, this portfolio appears to be positioned near the Efficient Frontier, suggesting an effective balance between expected returns and risk level. However, optimization is dynamic; continuous review and adjustment are necessary to maintain an optimal position, especially considering market changes and evolving investment goals.

Dividends Info

  • FIDELITY SMALL CAP VALUE FUND FIDELITY SMALL CAP VALUE FUND 16.10%
  • FIDELITY LARGE CAP VALUE INDEX FUND INSTITUTIONAL PREMIUM CLASS 1.70%
  • iShares MSCI USA Momentum Factor ETF 1.00%
  • SPDR S&P World ex US 2.60%
  • Vanguard U.S. Quality Factor 1.20%
  • Weighted yield (per year) 4.04%

The dividend yield of the portfolio stands at 4.04%, contributed by different assets with yields ranging from 1.00% to 16.10%. This yield can provide a steady income stream, which is beneficial for growth portfolios by offering reinvestment opportunities and enhancing compounding effects. However, the focus should remain on total return, balancing both income and capital appreciation.

Ongoing product costs Info

  • FIDELITY SMALL CAP VALUE FUND FIDELITY SMALL CAP VALUE FUND 0.97%
  • FIDELITY LARGE CAP VALUE INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • iShares MSCI USA Momentum Factor ETF 0.15%
  • SPDR S&P World ex US 0.03%
  • Vanguard U.S. Quality Factor 0.13%
  • Weighted costs total (per year) 0.21%

The Total Expense Ratio (TER) of 0.21% is impressively low, especially for a diversified, actively managed portfolio. Lower costs directly translate to higher net returns for investors, making this portfolio cost-efficient and likely to perform better over the long term compared to higher-cost alternatives.

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