A growth-focused portfolio with strong tech and blockchain emphasis and global exposure

Report created on Oct 4, 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 showcases a robust mix of equity and bond ETFs, with a significant tilt towards technology and financial services sectors. The allocation in Vanguard Total Stock Market and International Stock Index Funds provides broad market exposure, while specialized ETFs like the Global X Blockchain and Fidelity® MSCI Information Technology Index ETF add a sector-specific focus. The presence of bond ETFs and high dividend-yielding assets offers a counterbalance to the portfolio's equity risk, aligning with a growth-oriented risk profile that seeks to capitalize on market trends while maintaining a cushion against volatility.

Growth Info

Historically, the portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 13.39%, with a maximum drawdown of -33.83%. These figures suggest a strong performance, albeit with significant volatility. The days contributing to 90% of returns being concentrated in just 12.0 days indicate that the portfolio's gains are heavily reliant on short periods of exceptional performance, which could be a concern for risk-averse investors.

Projection Info

Monte Carlo simulations, using 1,000 iterations, project a wide range of outcomes for the portfolio. The key percentile outcomes (-56.1% at the 5th percentile to 445.8% at the 67th percentile) underscore the portfolio's high growth potential, alongside considerable risk. The positive returns in 858 out of 1,000 simulations reinforce the portfolio's strong upside potential, though the significant spread highlights the uncertainty inherent in such projections.

Asset classes Info

  • Stocks
    88%
  • Bonds
    11%
  • Cash
    1%

The portfolio's asset allocation leans heavily towards stocks (88%), with a smaller bond component (11%) and minimal cash holdings (1%). This distribution underscores the portfolio's growth orientation but raises questions about its resilience in market downturns. The relatively low bond allocation might not provide sufficient diversification benefits during equity market volatility.

Sectors Info

  • Technology
    28%
  • Financials
    23%
  • Industrials
    8%
  • Health Care
    7%
  • Consumer Discretionary
    6%
  • Consumer Staples
    5%
  • Telecommunications
    4%
  • Energy
    3%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    1%

With technology and financial services sectors comprising over half of the portfolio, there's a pronounced emphasis on industries known for innovation and growth. However, this concentration also exposes the portfolio to sector-specific risks, such as regulatory changes or economic cycles affecting these industries more than others. Diversifying across a broader range of sectors could mitigate some of these risks.

Regions Info

  • North America
    74%
  • Europe Developed
    6%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    2%
  • Africa/Middle East
    1%

The geographic allocation is heavily weighted towards North America (74%), with modest exposure to developed Europe (6%) and emerging markets in Asia (2%). While this reflects a focus on stable, high-growth regions, the underrepresentation of emerging and frontier markets limits potential gains from global economic growth and diversification.

Market capitalization Info

  • Large-cap
    27%
  • Mega-cap
    25%
  • Mid-cap
    17%
  • Small-cap
    12%
  • Micro-cap
    7%

The portfolio's market capitalization exposure is diversified across big (27%), mega (25%), medium (17%), small (12%), and micro (7%) cap stocks. This spread suggests a balanced approach to capturing growth across different company sizes, though the emphasis on larger companies aligns with the portfolio's growth and stability objectives.

Redundant positions Info

  • Vanguard High Dividend Yield Index Fund ETF Shares
    Vanguard Value Index Fund ETF Shares
    High correlation

The high correlation between Vanguard High Dividend Yield and Vanguard Value Index Fund ETF Shares indicates overlapping exposures that may not contribute significantly to diversification. Reducing redundancy by reallocating assets from highly correlated ETFs to those with lower correlations could enhance portfolio efficiency without sacrificing potential returns.

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 portfolio could benefit from optimization to improve its risk-return profile. Focusing on reducing redundancy among highly correlated assets could enhance diversification benefits. Adjusting the allocation towards assets with lower correlations may improve the portfolio's efficiency, potentially moving it closer to the Efficient Frontier, where the optimal risk-return balance is achieved.

Dividends Info

  • Global X Blockchain ETF 4.00%
  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • Vanguard U.S. Momentum Factor 0.90%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Value Index Fund ETF Shares 2.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.50%
  • Weighted yield (per year) 2.09%

The portfolio's average dividend yield of 2.09% contributes to its total return, offering a steady income stream in addition to capital appreciation. While the focus on growth limits the overall yield, the dividends from high-dividend and bond ETFs provide a useful buffer during market downturns.

Ongoing product costs Info

  • Global X Blockchain ETF 0.50%
  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • Vanguard U.S. Momentum Factor 0.13%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.11%

With an overall portfolio cost (Total Expense Ratio, TER) of 0.11%, the portfolio is efficiently managed, minimizing the drag on returns from fees. The range of TERs from 0.03% to 0.50% across different ETFs highlights the importance of cost considerations in portfolio construction, especially for assets like the Global X Blockchain ETF, which has a higher fee.

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