A growth-oriented portfolio with a strong tilt towards stocks and innovative assets
Report created on Aug 23, 2025Risk profile
5/7
Diversification profile
4/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 70.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 16.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 6.00% -
IB iShares Bitcoin Trust
IBIT - US46438F1012 6.00% -
FE Fidelity Advantage Ether ETF - L
FETH 2.00%
The portfolio leans heavily on equities, with a 70% allocation in a broad market ETF and a 16% stake in international stocks, showcasing a strong bias towards stock market investments for growth. A notable diversification strategy is observed with a 6% allocation each in U.S. small-cap value and cryptocurrency assets (Bitcoin and Ether), indicating an appetite for higher risk and potentially higher returns. This mix underlines a strategy focused on capital appreciation with a blend of traditional equity exposure and alternative investments to capture growth in digital assets.
Growth
Historically, the portfolio has demonstrated impressive growth with a Compound Annual Growth Rate (CAGR) of 20.56%, though it's accompanied by a significant maximum drawdown of -19.30%. The performance is reflective of the high equity exposure and the volatile nature of cryptocurrency investments. It's crucial to remember that past performance is not indicative of future results, especially with assets like cryptocurrencies that can experience rapid price changes.
Projection
Using Monte Carlo simulations, which project future performance based on historical data, the portfolio shows a wide range of outcomes. The 50th percentile simulation suggests a potential 3,390% return, highlighting the portfolio's growth potential. However, the broad range of outcomes, from 107.8% to 6,936.2%, underscores the inherent uncertainty and risk, particularly with the high allocation to volatile assets like cryptocurrencies.
Asset classes
- Stocks 91%
- Other 8%
- Cash 1%
The portfolio's asset class distribution is heavily skewed towards stocks (91%), with a minor allocation to 'Other' (8%), primarily cryptocurrencies, and a negligible cash position (1%). This composition supports the portfolio's growth orientation but also increases its sensitivity to stock market fluctuations and the speculative nature of digital assets. Balancing growth objectives with risk management is key, especially for investors with a lower risk tolerance.
Sectors
- Technology 25%
- Financials 15%
- Consumer Discretionary 10%
- Industrials 10%
- Health Care 8%
- Telecommunications 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Real Estate 2%
- Utilities 2%
Sector allocation is well-diversified across technology (25%), financial services (15%), and consumer cyclicals (10%), among others. This diversification helps mitigate sector-specific risks, although the heavy weighting in technology reflects a common trend in growth-oriented portfolios, potentially increasing volatility during market downturns or sector rotations.
Regions
- North America 77%
- Europe Developed 6%
- Asia Emerging 3%
- Japan 2%
- Asia Developed 2%
- Australasia 1%
- Africa/Middle East 1%
Geographically, the portfolio is predominantly invested in North America (77%), with limited exposure to developed Europe (6%) and emerging Asian markets (3%). This concentration in the U.S. market aligns with the portfolio's growth strategy but could benefit from increased international diversification to reduce geographic risk and tap into growth opportunities in emerging markets.
Market capitalization
- Mega-cap 36%
- Large-cap 26%
- Mid-cap 16%
- Small-cap 8%
- Micro-cap 5%
The market capitalization breakdown shows a balanced exposure across mega (36%), big (26%), and medium (16%) cap stocks, with smaller allocations to small (8%) and micro (5%) caps. This distribution suggests a moderate risk approach, balancing the stability of large-cap companies with the growth potential of smaller firms. However, the presence of small and micro caps, alongside cryptocurrencies, adds to the portfolio's overall risk profile.
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 portfolio's expected return is below the optimal portfolio's expected return of 35.06% at a similar risk level, suggesting room for optimization. Adjusting the asset allocation could achieve a more efficient risk-return profile, enhancing long-term growth prospects without necessarily increasing exposure to risk.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.70%
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.37%
Dividend yields from the equity ETFs contribute to the portfolio's total yield of 1.37%, adding a modest income component to the growth-focused strategy. While dividends are not the primary objective, they provide a source of passive income and can offer some cushion during market downturns.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- iShares Bitcoin Trust 0.12%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
The portfolio benefits from low overall costs, with a Total Expense Ratio (TER) of 0.05%, enhancing net returns over the long term. Low-cost ETFs are a strategic choice for maintaining efficiency and maximizing the compounding effect of returns. Keeping costs in check is fundamental, especially when investing in areas like cryptocurrencies, where other expenses can accrue.
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