Growth-focused portfolio with high US equity exposure and emphasis on technology sector

Report created on Oct 16, 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 exhibits a strong inclination towards US equities, with a significant concentration in large-cap stocks, particularly within the technology sector. The allocation spans across various index funds and ETFs, emphasizing growth-oriented investments. While the portfolio is diversified across several funds, the heavy reliance on specific sectors and geographic regions suggests a moderate level of diversification. The composition aligns with a growth investment strategy, focusing on capital appreciation rather than income generation.

Growth Info

Historically, the portfolio has demonstrated robust performance with a Compound Annual Growth Rate (CAGR) of 15.51%. This high return rate, however, comes with considerable volatility, as indicated by a maximum drawdown of -33.62%. It's crucial to note that while past performance is encouraging, it doesn't guarantee future results. The days contributing most to returns highlight the portfolio's susceptibility to significant market movements, emphasizing the importance of risk tolerance in investment decisions.

Projection Info

Using Monte Carlo simulations, the forward projection of this portfolio suggests a wide range of potential outcomes, with a median increase of 502.4% over the simulation period. While these projections are based on historical data, they serve as a reminder of the inherent uncertainty in investing. The simulations underscore the importance of maintaining a diversified portfolio to mitigate risk while aiming for growth.

Asset classes Info

  • Stocks
    93%
  • Cash
    1%

The portfolio's asset allocation is heavily weighted towards stocks (93%), with a minor allocation in cash (1%). This concentration in equities is typical for growth-oriented investors seeking higher returns, albeit at a higher risk. The absence of bonds and other asset classes may limit the portfolio's ability to hedge against market volatility. Diversifying across different asset classes could enhance the portfolio's resilience to market fluctuations.

Sectors Info

  • Technology
    32%
  • Financials
    13%
  • Consumer Discretionary
    10%
  • Telecommunications
    10%
  • Industrials
    8%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Energy
    2%
  • Real Estate
    2%
  • Basic Materials
    2%
  • Utilities
    2%
  • Consumer Discretionary
    1%

Sectoral allocation reveals a significant emphasis on technology, financial services, and consumer cyclical sectors. This concentration in growth-driven sectors aligns with the portfolio's overall growth investment strategy. However, the heavy investment in technology may expose the portfolio to sector-specific risks, including regulatory changes and market sentiment shifts. A more balanced sectoral distribution could mitigate these risks while still targeting growth.

Regions Info

  • North America
    84%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%
  • Australasia
    1%

Geographic allocation is predominantly focused on North America (84%), with minimal exposure to international markets. This concentration enhances exposure to the robust US economy but limits global diversification. Expanding into developed European markets, Asia, and emerging markets could provide broader exposure to global growth opportunities and reduce geographic risk.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    27%
  • Mid-cap
    15%
  • Small-cap
    3%
  • Micro-cap
    1%

The portfolio's market capitalization exposure leans heavily towards mega and big-cap stocks, constituting 73% of the allocation. This focus on larger companies may offer stability and lower volatility compared to smaller companies but could also limit potential for outsized gains from high-growth small and mid-cap stocks. Incorporating a more varied cap-size distribution could enhance growth potential and diversification.

Redundant positions Info

  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
    VANGUARD 500 INDEX FUND ADMIRAL SHARES
    iShares Core S&P U.S. Growth ETF
    FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Vanguard Total Stock Market Index Fund Admiral Shares
    High correlation
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
    STATE STREET GLOBAL EQUITY EX-U.S. INDEX FUND CLASS K
    High correlation

The high correlation among several holdings, particularly within US equity funds and ETFs, indicates redundancy and a limited diversification benefit. This overlap, especially among growth-oriented US equity investments, suggests an opportunity to streamline the portfolio by consolidating similar positions, thereby reducing complexity without sacrificing performance potential.

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 enhance its risk-return profile. The current allocation, while growth-focused, has room for improvement in terms of diversification and efficiency. Removing overlapping assets and broadening exposure across different asset classes, sectors, and geographies could improve the portfolio's potential for risk-adjusted returns. This approach aligns with the Efficient Frontier concept, aiming to achieve the optimal balance between risk and return.

Dividends Info

  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.30%
  • iShares Core S&P U.S. Growth ETF 0.50%
  • STATE STREET GLOBAL EQUITY EX-U.S. INDEX FUND CLASS K 3.50%
  • State Street Small/Mid Cap Equity Index 1.90%
  • State Street S&P 500 Index VIS Fund 9.00%
  • VANGUARD 500 INDEX FUND ADMIRAL SHARES 1.10%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.40%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 2.10%
  • Vanguard Total Stock Market Index Fund Admiral Shares 1.10%
  • Weighted yield (per year) 1.55%

The portfolio's dividend yield stands at 1.55%, which is relatively modest. This aligns with the growth-focused strategy, where the primary goal is capital appreciation rather than income generation through dividends. Investors prioritizing growth over income might find this yield acceptable, but those seeking regular income might consider diversifying into higher-yielding assets.

Ongoing product costs Info

  • FIDELITY LARGE CAP GROWTH INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • iShares Core S&P U.S. Growth ETF 0.04%
  • STATE STREET GLOBAL EQUITY EX-U.S. INDEX FUND CLASS K 0.06%
  • State Street Small/Mid Cap Equity Index 0.04%
  • State Street S&P 500 Index VIS Fund 0.04%
  • VANGUARD 500 INDEX FUND ADMIRAL SHARES 0.04%
  • VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.05%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 0.09%
  • Vanguard Total Stock Market Index Fund Admiral Shares 0.04%
  • Weighted costs total (per year) 0.05%

The overall portfolio cost, represented by a Total Expense Ratio (TER) of 0.05%, is impressively low, which is beneficial for long-term growth as costs can significantly impact net returns over time. Keeping costs low while maintaining a diversified and growth-oriented investment strategy is commendable and should continue to be a focus.

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