A growth oriented portfolio with strong diversification and impressive historic returns but notable tech tilts

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

What type of investor this portfolio is suitable for

Growth Investors

This setup fits someone who accepts meaningful ups and downs in pursuit of strong long‑term growth. That person is typically comfortable with a stock‑heavy approach, understands that drawdowns of 30% or more can happen, and has the discipline to stay invested through rough markets. Goals might include building wealth for retirement, funding long‑term education needs, or growing a legacy over 10–20+ years. Income is a nice bonus but not the primary objective. This type of investor usually prefers active involvement in their plan, reviews progress periodically, and is willing to see temporary losses on paper if it increases the odds of higher future returns.

Positions

  • BARON OPPORTUNITY FUND BARON OPPORTUNITY FUND
    BIOPX - US0682784071
    20.24%
  • VANGUARD PRIMECAP FUND INVESTOR SHARES
    VPMCX - US9219361006
    15.85%
  • OAKMARK FUND INVESTOR CLASS
    OAKMX - US4138381037
    15.76%
  • THE DISCIPLINED GROWTH INVESTORS FUND THE DISCIPLINED GROWTH INVESTORS FUND
    DGIFX - US3176093942
    11.07%
  • WisdomTree International Hedged Quality Dividend Growth Fund
    IHDG - US97717X5941
    9.07%
  • PRUDENTIAL JENNISON INTERNATIONAL OPPORTUNITIES FUND CLASS Z
    PWJZX - US7439696516
    9.07%
  • iShares MSCI Emerging Markets ex China
    EMXC - US46434G7640
    8.00%
  • BARON DISCOVERY FUND BARON DISCOVERY FUND
    BDFFX - US0682788601
    2.36%
  • FULLER & THALER BEHAVIORAL SMALL-CAP GROWTH FUND INVESTOR SHARES
    FTXNX - US14064D7903
    2.36%
  • BRANDES EMERGING MARKETS VALUE FUND CLASS A
    BEMAX - US1052627452
    2.00%
  • Avantis® International Small Cap Value ETF
    AVDV - US0250728021
    1.86%
  • BRANDES SMALL CAP VALUE FUND CLASS A
    BSCAX - US2382107512
    1.18%
  • VICTORY RS PARTNERS FUND CLASS A
    RSPFX - US92647Q5466
    1.18%

This portfolio leans heavily into growth, with roughly mid‑90s percent in stocks and only a small slice in bonds and cash. That structure lines up well with a growth profile and explains why the portfolio risk score sits at 5 out of 7. A stock‑heavy mix often delivers higher long‑term returns but can feel rough during big market drops. Compared with a typical blended benchmark that might hold more bonds, this setup is clearly more aggressive. To keep things intentional, it helps to double‑check that the stock weight matches the time horizon and comfort with big swings, rather than just accepting it by default.

Growth Info

Using a simple example, a $10,000 investment growing at an 18.49% Compound Annual Growth Rate (CAGR) for 10 years could end up around $54,000, which is very strong. CAGR is like your average yearly “speed” over a long road trip, smoothing out bumps along the way. The trade‑off shows up in the max drawdown of about ‑32.40%, meaning at some point the portfolio value was roughly a third below a previous peak. That’s typical for an aggressive growth mix. It’s important to remember that past performance doesn’t guarantee future results, so this history should be treated as context, not a promise.

Projection Info

The Monte Carlo analysis, which runs 1,000 “what if” market paths using historical patterns, shows mostly positive outcomes. The 5th percentile ending value at about 101% means even many of the weaker simulations still preserved capital over the full horizon, while the median around 732% and higher percentiles suggest big upside potential. Monte Carlo is like simulating many alternate futures using past volatility and returns, but it can’t predict new crises or regime changes. With an annualized simulated return around 18.52%, expectations should stay realistic: future returns could be lower, especially if markets are less favorable than in the back‑tested period.

Asset classes Info

  • Stocks
    94%
  • Bonds
    3%
  • Cash
    2%
  • Not Classified
    1%
  • Other
    0%
  • No data
    0%

With 94% in stocks, 3% in bonds, and 2% in cash, the portfolio clearly prioritizes growth over stability. This is more aggressive than many “balanced” benchmarks that often include 30–40% bonds. Stocks drive long‑term wealth building, but bonds and cash help cushion downturns and provide “dry powder” for rebalancing. The classification as “Highly Diversified” is deserved at the stock level, but risk still mainly comes from equities. If the time horizon is very long and short‑term volatility is acceptable, this structure works well. If spending from the portfolio is expected soon, gradually nudging bond and cash exposure higher over time could provide smoother rides.

Sectors Info

  • Technology
    33%
  • Industrials
    13%
  • Health Care
    12%
  • Financials
    12%
  • Consumer Discretionary
    11%
  • Telecommunications
    7%
  • Energy
    4%
  • Consumer Discretionary
    3%
  • Basic Materials
    3%
  • Consumer Staples
    2%
  • Real Estate
    1%
  • Utilities
    0%

The sector mix is tilted toward Technology at roughly one‑third of the portfolio, with solid exposure to Industrials, Healthcare, Financials, and Consumer areas. This looks similar to many modern growth benchmarks, where tech and related areas dominate index weightings. Tech‑heavy allocations often do very well in environments with innovation and low or stable interest rates, but they can be hit hard when rates jump or sentiment swings. The presence of Energy, Basic Materials, and some Real Estate adds helpful balance. Overall, this sector spread is reasonably robust, yet the tech tilt means bigger upside in booms and sharper drops when growth stocks fall out of favor.

Regions Info

  • North America
    67%
  • Europe Developed
    15%
  • Asia Developed
    7%
  • Asia Emerging
    4%
  • Japan
    3%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    0%
  • Europe Emerging
    0%

Geographically, about two‑thirds of the exposure is in North America, with meaningful slices in developed Europe, developed Asia, Japan, and smaller pieces in emerging regions like Latin America and Africa/Middle East. That North America tilt lines up closely with global market‑cap benchmarks, where the U.S. dominates. Having some emerging markets, including ex‑China exposure, improves diversification because different regions can perform well at different times. Currency‑hedged international holdings further reduce foreign currency swings. This allocation is well‑balanced and aligns closely with global standards, which is a strong foundation. Periodically reviewing whether the U.S. vs. international mix still fits personal views and needs is a useful ongoing habit.

Market capitalization Info

  • Mega-cap
    34%
  • Mid-cap
    24%
  • Large-cap
    22%
  • Small-cap
    10%
  • Micro-cap
    3%

The portfolio spreads exposure across mega, big, medium, small, and even micro‑cap companies, with a healthy core in larger firms and a notable sleeve in small‑ and mid‑caps. Market capitalization just means company size; bigger companies often feel steadier, while smaller ones can be more volatile but offer higher growth potential. This mix is similar to a broad equity benchmark that includes all sizes, though the specific growth funds add extra smaller‑company tilt. That combination can boost long‑term return potential but will magnify both ups and downs. Keeping this structure intentional helps ensure the small‑cap risk is something you’ve chosen rather than drifted into over time.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.80%
  • BARON OPPORTUNITY FUND BARON OPPORTUNITY FUND 4.40%
  • THE DISCIPLINED GROWTH INVESTORS FUND THE DISCIPLINED GROWTH INVESTORS FUND 7.90%
  • iShares MSCI Emerging Markets ex China 2.60%
  • WisdomTree International Hedged Quality Dividend Growth Fund 1.80%
  • OAKMARK FUND INVESTOR CLASS 0.90%
  • PRUDENTIAL JENNISON INTERNATIONAL OPPORTUNITIES FUND CLASS Z 0.20%
  • VANGUARD PRIMECAP FUND INVESTOR SHARES 16.30%
  • Weighted yield (per year) 4.93%

The overall dividend yield around 4.93% is fairly generous for a growth‑oriented mix. Dividend yield is the yearly cash payment relative to the investment value, like getting a small paycheck for owning the funds. Some positions show very high yields that may reflect special distributions or data quirks rather than a stable, repeatable income stream. Still, combining dividend strategies with growth funds offers a nice blend of potential price appreciation and cash flow. That can be especially useful for reinvesting during dips or, later on, for funding withdrawals. It’s helpful to view dividends as one piece of total return, not the only driver of success.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • BARON DISCOVERY FUND BARON DISCOVERY FUND 1.33%
  • BRANDES EMERGING MARKETS VALUE FUND CLASS A 1.32%
  • BARON OPPORTUNITY FUND BARON OPPORTUNITY FUND 1.31%
  • BRANDES SMALL CAP VALUE FUND CLASS A 1.16%
  • THE DISCIPLINED GROWTH INVESTORS FUND THE DISCIPLINED GROWTH INVESTORS FUND 0.78%
  • iShares MSCI Emerging Markets ex China 0.25%
  • FULLER & THALER BEHAVIORAL SMALL-CAP GROWTH FUND INVESTOR SHARES 1.36%
  • WisdomTree International Hedged Quality Dividend Growth Fund 0.58%
  • OAKMARK FUND INVESTOR CLASS 0.89%
  • PRUDENTIAL JENNISON INTERNATIONAL OPPORTUNITIES FUND CLASS Z 0.90%
  • VICTORY RS PARTNERS FUND CLASS A 1.33%
  • VANGUARD PRIMECAP FUND INVESTOR SHARES 0.35%
  • Weighted costs total (per year) 0.83%

With a total expense ratio (TER) of about 0.83%, the portfolio lands in a moderate‑cost range for an actively tilted, growth‑focused mix. TER is the annual fee taken out of a fund, similar to a management charge on a service. The presence of some low‑cost ETFs and reasonably priced funds is a big plus, though a few positions with fees above 1% raise the blended average. The costs are impressively low relative to many all‑active lineups, supporting better long‑term performance. Over decades, even a small fee reduction can add noticeably to ending wealth, so it’s worth occasionally checking if similar exposures are available at lower cost.

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.

From a risk‑return standpoint, this portfolio could likely sit close to its own Efficient Frontier, which is the best possible trade‑off between risk and expected return using only the current ingredients. Efficient Frontier just means you can’t get higher expected return without more volatility, or less volatility without giving up return, given these holdings. The Monte Carlo results suggest the existing mix already uses risk fairly productively. Small tweaks, like adjusting the split between high‑growth and more value or dividend‑tilted funds, might nudge the portfolio closer to “maximum efficiency.” That said, efficiency is not the same as comfort; alignment with personal goals and sleep‑at‑night levels still comes first.

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