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Growth-oriented portfolio with a strong emphasis on tech and emerging markets

Report created on May 6, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

The portfolio exhibits a well-thought-out composition, focusing on a blend of global equities, emerging markets, and specific sectors like technology. With 30% in a global stock ETF, 20% each in emerging markets and an S&P 500 fund, alongside significant investments in robotics, AI, and a total market fund, it's designed for growth. This diversified approach, however, leans heavily towards stocks, with a 99% allocation, leaving minimal cash reserves and no bond investments, which could impact its volatility and risk profile.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 11.91%, with a maximum drawdown of -33.46%. These figures suggest a strong performance, albeit with significant volatility, as indicated by the sizable drawdown. It's crucial to note that historical performance is not a reliable indicator of future results. The days contributing most to returns highlight the portfolio's dependency on specific high-gain periods, underscoring the importance of timing and market conditions in its success.

Projection Info

Monte Carlo simulations, using historical data to project future outcomes, show a wide range of potential returns, with a median increase of 362.3% but also a possibility of much lower outcomes at the 5th percentile. This variance underscores the inherent uncertainty in investment projections, especially in growth-oriented portfolios with high exposure to volatile sectors and emerging markets. Such simulations are valuable for understanding potential risks and returns but should not be the sole basis for investment decisions.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

With 99% of the portfolio in stocks, the allocation is aggressively positioned for growth but lacks the balance that bonds or alternative asset classes could provide. This heavy stock concentration enhances potential returns but also increases exposure to market downturns. Diversifying across different asset classes could help mitigate some of this risk without necessarily compromising on growth objectives.

Sectors Info

  • Technology
    28%
  • Financials
    15%
  • Industrials
    14%
  • Health Care
    10%
  • Telecommunications
    8%
  • Consumer Discretionary
    6%
  • Consumer Staples
    5%
  • Consumer Discretionary
    4%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

The sectoral allocation reveals a strong emphasis on technology, financial services, and industrials, reflecting a bet on innovation, economic growth, and infrastructure development. While this can offer substantial growth opportunities, especially in tech and AI, it also exposes the portfolio to sector-specific risks, such as regulatory changes or economic downturns affecting these industries disproportionately.

Regions Info

  • North America
    61%
  • Asia Emerging
    15%
  • Europe Developed
    7%
  • Japan
    6%
  • Asia Developed
    5%
  • Africa/Middle East
    3%
  • Latin America
    2%
  • Australasia
    1%

Geographic allocation shows a significant tilt towards North America and emerging Asian markets, with lesser exposure to developed European economies and Japan. This distribution capitalizes on the growth potential in emerging markets and the technological and financial sectors' strength in North America. However, it may benefit from increased diversification into underrepresented regions to hedge against regional volatility and tap into global growth opportunities.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    31%
  • Mid-cap
    17%
  • Small-cap
    7%
  • Micro-cap
    1%

The market capitalization breakdown, with a focus on mega and big-cap stocks, suggests a preference for established, large companies, likely due to their perceived stability and potential for steady growth. While this can be a safer bet during turbulent times, incorporating more mid to small-cap investments could enhance returns, as these often offer higher growth potential, albeit with increased risk.

Redundant positions Info

  • Schwab S&P 500 Index Fund
    Fidelity Total Market Index Fund
    Vanguard Total World Stock Index Fund ETF Shares
    High correlation

The portfolio's significant overlap among the S&P 500, Total World, and Total Market funds indicates a high correlation in holdings, which could limit diversification benefits. By reallocating from these overlapping investments into less correlated assets, the portfolio could achieve a more effective diversification, potentially reducing volatility without sacrificing returns.

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.

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Optimization efforts should initially focus on addressing the portfolio's high correlation among major holdings. By diversifying into less correlated assets, the portfolio can achieve a more efficient risk-return profile, potentially moving closer to the Efficient Frontier. This means aiming for the highest possible returns for a given level of risk, which is crucial for maintaining a growth trajectory while managing volatility.

Dividends Info

  • Global X Robotics & Artificial Intelligence ETF 0.10%
  • Fidelity Total Market Index Fund 1.10%
  • Schwab Emerging Markets Equity ETF 2.80%
  • Schwab S&P 500 Index Fund 1.30%
  • Vanguard Total World Stock Index Fund ETF Shares 1.90%
  • Weighted yield (per year) 1.57%

Dividend yields across the portfolio average 1.57%, contributing to its total return. While not the primary focus of a growth-oriented strategy, dividends offer a stream of income and a buffer during market dips. Balancing higher-yield investments with growth stocks could provide a more stable income component, enhancing the portfolio's resilience in various market conditions.

Ongoing product costs Info

  • Global X Robotics & Artificial Intelligence ETF 0.68%
  • Schwab Emerging Markets Equity ETF 0.11%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.14%

The portfolio's average expense ratio is relatively low, enhancing its long-term return potential by minimizing costs. The variation in costs among the holdings, from 0.07% to 0.68%, highlights the importance of cost awareness in fund selection. Lowering costs further, where possible, without compromising on strategic goals, can significantly impact net returns over time.

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