A well-rounded portfolio blending growth and income with a focus on technology and financial sectors

Report created on Nov 6, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio exhibits a strategic blend of growth and income-focused assets, primarily through ETFs and a minor allocation to individual stocks. The heavy allocation towards ETFs such as the Schwab U.S. Large-Cap Growth and Schwab U.S. Dividend Equity suggests a balanced approach, leveraging the growth potential of large-cap stocks while also drawing income through dividends. The inclusion of the Vanguard Total International Stock Index Fund ETF indicates a conscious effort towards geographic diversification, albeit with a strong home bias towards the U.S. market. The specific choice of sector-focused and small-cap growth ETFs further enhances the portfolio's growth orientation, while the direct investment in Ares Capital Corporation and FS Credit Opportunities Corp. introduces a higher-yield, albeit riskier, income component.

Growth Info

Historical performance data showcases a robust Compound Annual Growth Rate (CAGR) of 21.57%, with a maximum drawdown of -20.01%. This performance is indicative of a high-growth strategy, albeit with significant volatility, as evidenced by the substantial drawdown. The fact that 90% of returns are concentrated in just 24 days highlights the portfolio's exposure to short-term market movements, suggesting that timing and market conditions play crucial roles in achieving these returns. This volatility and performance pattern underscore the importance of a long-term perspective and risk tolerance in maintaining such an investment strategy.

Projection Info

Monte Carlo simulations, based on 1,000 iterations, project a wide range of outcomes, with a median increase of 1,545.6% suggesting substantial growth potential. However, the broad spread between the 5th and 67th percentiles (319.9% to 2,290.1%) highlights the inherent uncertainty and risk in such projections. While these simulations offer valuable insights into potential future performance, they rely heavily on historical data, which may not accurately predict future market conditions. Investors should therefore view these projections as one of many tools in decision-making, not definitive forecasts.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is heavily skewed towards stocks (99%), with a minimal cash reserve (1%). This allocation reflects a clear growth-oriented strategy, aiming for capital appreciation over income or stability. While such a distribution aligns with the portfolio's apparent objectives, it also increases exposure to market volatility. Diversification across different asset classes, such as bonds or real estate, could offer additional layers of risk management, particularly in turbulent market conditions.

Sectors Info

  • Technology
    32%
  • Financials
    19%
  • Consumer Discretionary
    9%
  • Industrials
    9%
  • Health Care
    9%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    2%
  • Real Estate
    1%
  • Utilities
    1%

Sector allocation is predominantly in technology (32%) and financial services (19%), with meaningful positions in consumer cyclicals, industrials, and healthcare. This sectoral distribution underscores a focus on industries with high growth potential but also exposes the portfolio to sector-specific risks, such as regulatory changes or economic cycles. The technology sector's volatility, in particular, could significantly impact overall portfolio performance. Balancing this with more defensive sectors or diversifying further could mitigate such risks.

Regions Info

  • North America
    80%
  • Europe Developed
    8%
  • Asia Developed
    3%
  • Asia Emerging
    3%
  • Japan
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%

The geographic distribution shows a heavy emphasis on North America (80%), with modest allocations to developed and emerging markets in Europe, Asia, and other regions. This home bias towards the U.S. market may capitalize on the robust performance of U.S. equities but also limits global diversification. Expanding exposure to emerging markets or underrepresented regions could enhance growth prospects and reduce the impact of localized economic downturns.

Market capitalization Info

  • Large-cap
    35%
  • Mega-cap
    33%
  • Mid-cap
    18%
  • Small-cap
    13%
  • Micro-cap
    1%

Market capitalization exposure is balanced between big (35%), mega (33%), and medium (18%) cap stocks, with a smaller allocation to small (13%) and micro (1%) caps. This spread suggests a focus on established companies with a stable track record, complemented by investments in smaller, growth-oriented firms. While this balance supports both stability and growth, the relatively lower allocation to small and micro caps may limit potential high-growth opportunities.

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 current portfolio composition suggests a well-thought-out strategy aimed at balancing growth and income while managing risk through diversification. However, leveraging the Efficient Frontier could identify opportunities to optimize the risk-return profile further. This method could suggest reallocation between current assets to achieve the most efficient risk-return ratio. It's important to note that while optimization can enhance performance, it's based on historical data and assumptions, which may not fully predict future market behaviors.

Dividends Info

  • Ares Capital Corporation 9.40%
  • FS Credit Opportunities Corp. 12.20%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.30%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.50%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 2.60%

The dividend yield component, with a total portfolio yield of 2.60%, contributes to the portfolio's income stream, complementing capital growth strategies. High-yield investments like Ares Capital Corporation and FS Credit Opportunities Corp. significantly boost the portfolio's overall yield, albeit at a higher risk. Balancing high-yield and growth investments can provide a steady income while pursuing capital appreciation, though investors should be mindful of the increased risk associated with higher-yielding securities.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.08%

The portfolio's overall expense ratio (TotalTER) of 0.08% is impressively low, which is beneficial for long-term growth as it minimizes the drag on returns. The individual ETFs' costs range from 0.04% to 0.35%, indicating a cost-effective selection of funds. Keeping costs low is crucial for enhancing net returns, especially in a diversified portfolio where expenses can quickly accumulate. Continual monitoring of fund expenses and considering even lower-cost alternatives when appropriate can further optimize returns.

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