A focused growth portfolio with a strong tilt towards US equities and dividend-paying stocks

Report created on Nov 3, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is heavily weighted towards US equities, with a significant 80% allocation to the Vanguard S&P 500 ETF and a 20% allocation to the Schwab U.S. Dividend Equity ETF. This composition indicates a strong preference for large-cap, dividend-paying companies predominantly in the technology, financial services, and consumer cyclicals sectors. The diversification is low, with all investments in stocks and a clear focus on North American markets. The portfolio's structure is simple, leaning heavily on the performance of the US stock market.

Growth Info

Historically, the portfolio has shown a Compound Annual Growth Rate (CAGR) of 14.58%, with a maximum drawdown of -33.77%. This performance is noteworthy, considering the portfolio's heavy reliance on the S&P 500 and dividend-paying stocks. The days contributing to 90% of the returns being concentrated in 33.0 days suggest that the portfolio's success hinges on specific, high-performing periods, a characteristic common in equity-heavy portfolios.

Projection Info

The Monte Carlo simulation, with 1,000 iterations, projects a wide range of outcomes with a median 513.3% increase, highlighting potential for substantial growth. However, the 5th percentile at 81.1% warns of significant downside risks. Such projections, while useful for understanding possible future scenarios, are based on historical data and cannot guarantee future performance.

Asset classes Info

  • Stocks
    100%

The portfolio's assets are exclusively in stocks, offering no cushion against stock market volatility through bonds or other asset classes. This singular focus on equities enhances potential returns but also increases risk, particularly in market downturns. Diversifying across different asset classes could provide a more balanced risk-return profile.

Sectors Info

  • Technology
    31%
  • Financials
    12%
  • Consumer Discretionary
    11%
  • Health Care
    10%
  • Telecommunications
    9%
  • Industrials
    8%
  • Consumer Staples
    8%
  • Energy
    6%
  • Utilities
    2%
  • Real Estate
    2%
  • Basic Materials
    2%

Sector allocation is concentrated in technology, financial services, and consumer cyclicals, which are sectors known for their growth potential but also for their volatility. This concentration might expose the portfolio to sector-specific risks, such as regulatory changes or economic downturns affecting consumer spending.

Regions Info

  • North America
    99%

With 99% of assets in North America, the portfolio's geographic exposure is narrowly focused, missing out on potential growth and diversification benefits from developed or emerging markets outside the US. This concentration increases susceptibility to US market fluctuations and misses out on global growth opportunities.

Market capitalization Info

  • Large-cap
    39%
  • Mega-cap
    37%
  • Mid-cap
    21%
  • Small-cap
    2%

The market capitalization breakdown shows a preference for big and mega-cap stocks, which are typically more stable than smaller companies but might offer lower growth potential in the long run. Medium, small, and micro caps represent a smaller portion, limiting exposure to potentially higher-growth, albeit riskier, segments of the market.

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.

Considering the portfolio's current composition, optimizing for the Efficient Frontier could involve diversifying across more asset classes and geographic regions to improve the risk-return ratio. However, this optimization process is based on historical data and should be approached with the understanding that it does not guarantee future performance.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.90%
  • Vanguard S&P 500 ETF 1.10%
  • Weighted yield (per year) 1.66%

The portfolio's dividend yield, averaged at 1.66%, contributes to its total return, offering a steady income stream. This is particularly attractive in volatile markets, as dividends can provide returns even when stock prices are stagnant or falling. However, focusing solely on dividend yield might limit growth potential from non-dividend-paying sectors.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.04%

The portfolio benefits from low costs, with a Total Expense Ratio (TER) of 0.04%, which is impressive and supports better long-term performance. Lower costs mean more of the investment's return is retained by the investor, a crucial factor in compounding growth over time.

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