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A growth-focused portfolio with heavy US equity concentration and moderate international exposure

Report created on Sep 8, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is predominantly invested in US equities, with a significant emphasis on mid-cap, large-cap, and small-cap stocks through ETFs. This composition reflects a growth-oriented strategy but with limited international diversification. The allocation across the iShares Russell Mid-Cap ETF, Vanguard S&P 500 ETF, and Vanguard Russell 2000 Index Fund ETF Shares suggests a balanced approach to capturing the US market's breadth. However, the modest allocation to international stocks via the iShares Core MSCI Total International Stock ETF and SPDR® Portfolio Emerging Markets ETF indicates a cautious stance on global markets.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 12.51%, with a maximum drawdown of -37.69%. These figures illustrate a strong growth trajectory, albeit with significant volatility, as indicated by the drawdown. The performance is reflective of the portfolio's heavy allocation to equities, particularly in the volatile small and mid-cap segments. The days contributing to 90% of returns being limited to 26 highlights the impact of short-term gains on overall performance.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with the median simulation suggesting a 275.3% return, emphasizing the portfolio's growth potential. However, the range from the 5th percentile (6.7%) to the 67th percentile (405.2%) underscores the inherent uncertainty and risk. While the high count of simulations with positive returns (958 out of 1,000) is encouraging, it's important to remember that these projections are based on historical data and cannot guarantee future performance.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's near-exclusive focus on stocks, with a negligible cash position, is aligned with its growth profile. This asset class distribution supports higher potential returns but also increases risk, particularly in market downturns. The absence of bonds or other diversifying assets leaves the portfolio exposed to equity market volatility.

Sectors Info

  • Technology
    21%
  • Financials
    16%
  • Industrials
    13%
  • Consumer Discretionary
    11%
  • Health Care
    11%
  • Telecommunications
    6%
  • Real Estate
    5%
  • Consumer Staples
    5%
  • Energy
    4%
  • Utilities
    4%
  • Basic Materials
    4%

Sector allocation reveals a concentration in technology, financial services, and industrials, which are sectors typically associated with growth but also with higher volatility. The presence in consumer cyclicals and healthcare offers some balance, potentially providing stability during economic fluctuations. However, the heavy tilt towards these sectors could amplify risks related to sector-specific downturns.

Regions Info

  • North America
    89%
  • Asia Emerging
    4%
  • Europe Developed
    3%
  • Asia Developed
    2%
  • Latin America
    1%
  • Africa/Middle East
    1%
  • Japan
    1%

With 89% of assets in North America, the portfolio's geographic exposure is heavily skewed towards the US market. This concentration benefits from the dynamism of the US economy but also limits diversification benefits and exposure to potential growth in international markets. The minimal allocations to emerging and developed markets outside the US may not sufficiently hedge against regional economic downturns.

Market capitalization Info

  • Mid-cap
    30%
  • Small-cap
    21%
  • Mega-cap
    19%
  • Micro-cap
    15%
  • Large-cap
    14%

The spread across medium, small, mega, micro, and big market capitalizations suggests an attempt to balance risk and return by capturing the growth potential of smaller companies while still retaining some stability from larger firms. This distribution can enhance returns but also increases susceptibility to market sentiment shifts, especially in the small and micro-cap segments.

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.

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The current portfolio shows potential for risk-return optimization. While its growth orientation is clear, balancing the allocation to include more international diversification and considering the inclusion of alternative asset classes could improve the risk-return profile. Utilizing the Efficient Frontier concept could help in identifying an allocation that offers the best possible return for a given level of risk, though it's important to remember that these optimizations are theoretical and based on historical data.

Dividends Info

  • iShares Russell Mid-Cap ETF 1.30%
  • iShares Core MSCI Total International Stock ETF 2.90%
  • SPDR® Portfolio Emerging Markets ETF 2.60%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Russell 2000 Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 1.38%

The overall dividend yield of 1.38% indicates a modest income component to the portfolio's total return. While growth is the primary focus, dividends can provide a steady income stream and potential reinvestment opportunities. The higher yields on international ETFs suggest that expanding this exposure could enhance income without significantly compromising growth.

Ongoing product costs Info

  • iShares Russell Mid-Cap ETF 0.19%
  • iShares Core MSCI Total International Stock ETF 0.07%
  • SPDR® Portfolio Emerging Markets ETF 0.07%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Russell 2000 Index Fund ETF Shares 0.10%
  • Weighted costs total (per year) 0.10%

With a Total Expense Ratio (TER) averaging 0.10%, the portfolio benefits from relatively low costs, which is commendable for a growth-oriented strategy. Keeping costs low is crucial for maximizing long-term returns, as even small differences in fees can compound significantly over time.

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