Growth-focused portfolio with a strong emphasis on US equities and diversified international exposure

Report created on Aug 17, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Your portfolio is predominantly composed of equity ETFs, with a heavy weighting towards the Vanguard S&P 500 ETF at 55%. This suggests a growth-oriented strategy with a significant focus on large-cap US equities. The inclusion of both international and small-cap value ETFs indicates an attempt at broad diversification across geographies and market capitalizations. This structure aligns with a growth profile but leans heavily on US markets. Diversification is further achieved through sectoral spread, although technology and financial services dominate.

Growth Info

Historically, your portfolio has shown a Compound Annual Growth Rate (CAGR) of 15.48%, which is impressive. However, it's important to note that past performance is not always indicative of future results. The maximum drawdown of -36.54% signals significant volatility, which is consistent with the growth-focused nature of your investments. Days contributing most to returns are relatively few, emphasizing the impact of short-term gains. When comparing to benchmarks, consider both return and volatility to gauge performance accurately.

Projection Info

Monte Carlo simulations, which use historical data to forecast potential outcomes, suggest a wide range of future performances for your portfolio. With the majority of simulations predicting positive returns, the outlook seems optimistic. However, the significant spread between the 5th and 67th percentiles highlights potential volatility. Such projections are useful for understanding possible scenarios but remember they are based on past trends, which may not repeat.

Asset classes Info

  • Stocks
    100%

Your portfolio is entirely invested in stocks, with no allocations to bonds, cash, or other asset classes. This maximizes growth potential but also increases risk, especially in market downturns. Diversifying across different asset classes can provide a buffer against volatility. Consider how adding bonds or real assets might reduce risk without drastically compromising growth potential.

Sectors Info

  • Technology
    22%
  • Financials
    18%
  • Industrials
    13%
  • Consumer Discretionary
    13%
  • Health Care
    7%
  • Telecommunications
    7%
  • Energy
    6%
  • Consumer Staples
    5%
  • Basic Materials
    5%
  • Utilities
    2%
  • Real Estate
    2%

The sectoral allocation shows a strong tilt towards technology and financial services, sectors known for their growth potential but also for their volatility. Industrials and consumer cyclicals add to the growth orientation but also increase sensitivity to economic cycles. Diversifying into more defensive sectors like healthcare or consumer staples could provide stability in down markets.

Regions Info

  • North America
    72%
  • Europe Developed
    13%
  • Japan
    7%
  • Asia Emerging
    3%
  • Australasia
    2%
  • Asia Developed
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, your portfolio is heavily weighted towards North America, specifically the US, with meaningful but smaller exposures to developed Europe and Japan, and minimal allocations to emerging markets. This geographic distribution supports growth while offering some international diversification. However, increasing exposure to emerging markets could enhance growth prospects and diversification, given their potential for higher returns and different economic cycles.

Market capitalization Info

  • Mega-cap
    32%
  • Large-cap
    25%
  • Mid-cap
    19%
  • Small-cap
    12%
  • Micro-cap
    8%

The market capitalization breakdown shows a balanced approach, with allocations across mega, big, medium, small, and micro-caps. This spread is beneficial for tapping into growth at various stages of company development. However, the heavy weighting towards larger companies suggests a more conservative approach within the growth spectrum. Consider whether increasing exposure to smaller caps could align better with your growth objectives, keeping in mind the added volatility.

Redundant positions Info

  • Avantis® International Small Cap Value ETF
    Avantis® International Equity ETF
    High correlation

The high correlation between the Avantis® International Equity ETF and the Avantis® International Small Cap Value ETF indicates overlapping investments, which may limit diversification benefits. Reducing redundancy in your portfolio could enhance efficiency by ensuring each investment contributes uniquely to your diversification and growth objectives.

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.

Optimizing your portfolio involves addressing the high correlation between certain assets. This step is crucial for enhancing diversification benefits. The Efficient Frontier concept suggests that your portfolio can achieve a better risk-return balance by adjusting allocations. Focus on diversifying further, both geographically and across asset classes, while considering the removal of overlapping investments.

Dividends Info

  • Avantis® International Equity ETF 2.70%
  • Avantis® International Small Cap Value ETF 3.70%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.82%

Dividend yields across your ETFs contribute to total returns, with the portfolio's overall yield at 1.82%. While growth is the primary goal, dividends offer a secondary benefit, especially in volatile or down markets. The variation in yields suggests a balanced approach to growth and income, suitable for a growth-focused investor who also appreciates income generation.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.13%

With a Total Expense Ratio (TER) of 0.13%, your portfolio is cost-efficient, enhancing long-term return potential. Lower costs are particularly beneficial in growth-oriented strategies, where compounding plays a significant role. The low-cost nature of your ETFs is commendable and aligns with best practices for maximizing investment returns.

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