Growth-oriented portfolio with a blend of momentum and value across diverse sectors

Report created on Nov 4, 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 is structured around a core of U.S. large-cap stocks, complemented by strategic allocations in international markets, small-cap value, and a minor position in gold. The majority stake in ETFs tracking the S&P 500 and momentum strategies indicates a growth-focused approach, while the inclusion of small-cap value and international high dividend yield ETFs adds a layer of diversification and potential income. The presence of gold, albeit minimal, offers a hedge against market volatility and inflation.

Growth Info

Historically, this portfolio has demonstrated robust growth, with a Compound Annual Growth Rate (CAGR) of 17.65%. The maximum drawdown of -33.75% suggests a higher risk profile, consistent with its growth orientation. The concentration in high-performing sectors likely contributed to the significant returns, though it's important to note that past performance is not indicative of future results. The days contributing most to returns highlight the portfolio's sensitivity to market movements and the importance of timing in investment decisions.

Projection Info

Monte Carlo simulations, using historical data to project future performance, suggest a wide range of outcomes but with a strong tilt towards positive returns. The median projected growth is substantial, indicating potential for significant wealth accumulation. However, the spread between the 5th and 67th percentiles underscores the uncertainty and risk involved. These simulations are valuable for stress-testing the portfolio against various market conditions, though they cannot predict future market movements with certainty.

Asset classes Info

  • Stocks
    97%
  • Other
    3%

The allocation is heavily weighted towards stocks (97%), with a small portion in gold (3%). This high equity exposure is typical for growth-oriented portfolios seeking higher returns, albeit at increased risk. The absence of fixed-income assets and minimal allocation to alternative investments like gold limit the portfolio's diversification across asset classes, potentially increasing volatility but also allowing for greater growth opportunities in bullish markets.

Sectors Info

  • Technology
    25%
  • Financials
    21%
  • Industrials
    11%
  • Telecommunications
    9%
  • Consumer Discretionary
    9%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Energy
    4%
  • Utilities
    3%
  • Basic Materials
    2%
  • Real Estate
    2%

Sector allocation is concentrated in technology and financial services, which are known for their volatility but also for offering substantial growth potential. The exposure to industrials, communication services, and consumer cyclicals adds a balanced mix of cyclical and growth elements. However, the relatively lower allocations to healthcare, consumer defensive, and utilities suggest a lesser focus on defensive sectors, which could provide stability during market downturns.

Regions Info

  • North America
    81%
  • Europe Developed
    9%
  • Japan
    2%
  • Asia Developed
    1%
  • Australasia
    1%
  • Asia Emerging
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The portfolio's geographic allocation is heavily skewed towards North America (81%), with modest exposure to developed markets in Europe and minimal allocations to emerging markets. This concentration enhances the portfolio's growth potential, given the dominance of U.S. markets in global indices, but also exposes it to geopolitical and currency risks associated with a lack of global diversification.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    30%
  • Mid-cap
    14%
  • Small-cap
    8%
  • Micro-cap
    5%

The emphasis on mega and large-cap stocks (70% combined) aligns with the portfolio's growth and stability objectives, as these companies tend to be more established and less volatile than their smaller counterparts. The allocation to medium, small, and micro-cap stocks (27% combined) introduces higher growth potential but also adds volatility and risk, underscoring the portfolio's aggressive growth stance.

Redundant positions Info

  • SPDR® Portfolio S&P 500 ETF
    Schwab U.S. Broad Market ETF
    High correlation

The high correlation between the SPDR® Portfolio S&P 500 ETF and the Schwab U.S. Broad Market ETF indicates redundancy, as these positions likely overlap significantly in their holdings. This redundancy dilutes the diversification benefits of holding multiple assets, suggesting an area for optimization by reducing exposure to similar assets in favor of more distinct positions that could lower overall portfolio volatility.

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 analysis suggests that the portfolio could achieve a more efficient risk-return profile by addressing the overlap in ETF holdings and possibly diversifying further across asset classes and geographies. The projected optimization indicates a potential for slightly higher expected returns with a similar level of risk, emphasizing the importance of continuous portfolio review and adjustment in pursuit of optimal performance.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Invesco S&P International Developed Momentum ETF 1.70%
  • Schwab U.S. Broad Market ETF 1.10%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 3.90%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 0.91%

The portfolio's overall dividend yield is modest, reflecting its growth rather than income orientation. The highest yield comes from the Vanguard International High Dividend Yield Index Fund ETF, indicating an attempt to capture some income from international equities. While dividends contribute to total returns, the primary focus here appears to be on capital appreciation rather than income generation.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • SPDR Gold Mini Shares 0.10%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Schwab U.S. Broad Market ETF 0.03%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.12%

The portfolio's total expense ratio (TER) of 0.12% is impressively low, enhancing its attractiveness by minimizing the drag on returns due to costs. This efficiency is crucial for long-term growth, as even small differences in fees can have a significant impact on wealth accumulation over time. The focus on low-cost ETFs is a prudent strategy for cost-conscious investors seeking to maximize net returns.

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