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

Report created on Jul 9, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio comprises three ETFs focusing on U.S. dividend equities, large-cap growth, and semiconductors, indicating a growth-oriented strategy with a significant tilt towards technology. The heavy allocation to the Schwab U.S. Dividend Equity ETF at over half the portfolio suggests a preference for steady income alongside growth, balanced by the growth potential of large-cap and tech sectors. The moderate diversification score reflects concentration in specific sectors and asset classes, with all investments in stocks and a notable absence of bonds or alternative assets.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 17.26%, with a maximum drawdown of -32.17%. This performance suggests robust growth potential but comes with significant volatility, as indicated by the drawdown. The days contributing to 90% of returns are relatively few, highlighting the impact of short-term gains. Comparing this to benchmark indices could provide further insight into performance relative to broader markets.

Projection Info

Monte Carlo simulations, which forecast future performance based on historical data, show a wide range of potential outcomes for this portfolio. With a median projected increase of over 1,000% and 997 out of 1,000 simulations predicting positive returns, the forward-looking scenario appears optimistic. However, it's crucial to remember that such simulations are inherently uncertain and depend heavily on past performance, which is not a reliable indicator of future results.

Asset classes Info

  • Stocks
    100%

The portfolio's exclusive investment in stocks, without exposure to bonds, real estate, or commodities, indicates a high-risk, high-reward strategy. This concentration in a single asset class can amplify returns during bull markets but may also increase risk during downturns. Diversifying across different asset classes could provide a buffer against market volatility.

Sectors Info

  • Technology
    39%
  • Energy
    11%
  • Consumer Staples
    10%
  • Health Care
    10%
  • Consumer Discretionary
    9%
  • Industrials
    7%
  • Financials
    7%
  • Telecommunications
    6%
  • Basic Materials
    1%

With a heavy emphasis on technology, energy, and consumer sectors, the portfolio is well-positioned to benefit from growth in these industries. However, the significant weight in technology, particularly through the VanEck Semiconductor ETF, may expose the portfolio to sector-specific risks, such as regulatory changes or market downturns. Balancing this with investments in more stable sectors could reduce volatility.

Regions Info

  • North America
    96%
  • Asia Developed
    2%
  • Europe Developed
    2%

The geographic allocation is heavily skewed towards North America, with minimal exposure to developed markets in Asia and Europe. This concentration in the U.S. market leverages the country's economic strength and innovation but also exposes the portfolio to regional economic shifts. Increasing international diversification could mitigate this risk and capture growth in emerging markets.

Market capitalization Info

  • Large-cap
    46%
  • Mega-cap
    27%
  • Mid-cap
    22%
  • Small-cap
    4%
  • Micro-cap
    1%

The portfolio's focus on big and mega-cap stocks aligns with its growth strategy, as these companies often offer stability and solid growth prospects. However, the limited exposure to small and micro-cap stocks misses potential high-growth opportunities in these segments. A more balanced market cap distribution could enhance returns while managing 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.

Considering the Efficient Frontier, this portfolio may not be fully optimized for the best possible risk-return ratio due to its concentration in certain sectors and asset classes. Adjusting the allocation to include a broader range of assets could potentially move the portfolio closer to the Efficient Frontier, optimizing returns for the given level of risk.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.40%
  • Weighted yield (per year) 2.17%

The portfolio's dividend yield is influenced significantly by the Schwab U.S. Dividend Equity ETF, offering a blend of income and growth. This yield contributes to total returns, providing a cushion during market volatility. However, the overall focus on growth over income is evident in the lower yields of the other two ETFs.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • Weighted costs total (per year) 0.11%

With a total expense ratio (TER) of 0.11%, the portfolio benefits from low costs, which can significantly enhance long-term returns. The low TER of the Schwab ETFs is particularly commendable, allowing more of the investment returns to accrue to the investor rather than being consumed by fees.

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