Growth-oriented portfolio with a strong emphasis on US large and mid-cap equities

Report created on Aug 12, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is heavily weighted towards US large-cap growth and mid-cap growth ETFs, making up 70% of the allocation, complemented by a focus on S&P 500 value stocks and international equities. The blend of growth and value strategies within a predominantly stock-based asset class underscores a pursuit of capital appreciation with a balanced approach to risk. This composition aligns with the portfolio's growth profile, aiming to capitalize on the potential of the US market while incorporating a measure of global diversification.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 14.62% and a maximum drawdown of -33.47%, the portfolio showcases robust growth potential balanced by significant volatility. The days contributing to 90% of returns highlight the impact of short-term gains, which is typical in growth-oriented investments. Comparing these figures against benchmarks for similar risk profiles could provide further insight into performance relative to the market.

Projection Info

The Monte Carlo simulation, projecting a wide range of outcomes from conservative to optimistic, indicates a median potential growth of 381.7%. While simulations suggest a strong likelihood of positive returns, it's crucial to remember that these projections are based on historical data and cannot guarantee future performance. This tool helps in understanding possible outcomes but should be one of many factors considered in decision-making.

Asset classes Info

  • Stocks
    100%

The portfolio's exclusive investment in stocks, without allocation to bonds, cash, or other asset classes, emphasizes a high-growth strategy. This approach is suitable for investors with a higher risk tolerance but lacks the buffer against market volatility provided by more diversified asset allocations. Including non-equity assets could offer a smoother investment journey, especially during stock market downturns.

Sectors Info

  • Technology
    36%
  • Consumer Discretionary
    12%
  • Financials
    12%
  • Industrials
    10%
  • Telecommunications
    9%
  • Health Care
    9%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Energy
    2%
  • Real Estate
    2%
  • Utilities
    2%

The sectoral allocation shows a strong tilt towards technology, consumer cyclicals, and financial services, which are sectors typically associated with higher growth but also higher volatility. The underrepresentation of traditionally defensive sectors like utilities and consumer defensive may increase the portfolio's sensitivity to market swings. Diversifying across more sectors could mitigate risk while still allowing for significant growth potential.

Regions Info

  • North America
    86%
  • Europe Developed
    6%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

With 86% of assets in North America and minimal exposure to emerging markets and other developed regions, the portfolio's geographic distribution leans heavily towards the US. This concentration enhances exposure to the US economy's growth potential but also increases vulnerability to its market-specific risks. Expanding international exposure, particularly to emerging markets, could offer broader diversification benefits.

Market capitalization Info

  • Mega-cap
    43%
  • Mid-cap
    30%
  • Large-cap
    24%
  • Small-cap
    2%

The focus on mega and medium-cap stocks provides a balance between stability offered by large companies and growth potential from mid-sized firms. However, the minimal presence of small and micro-cap stocks limits exposure to these higher-risk, higher-reward segments of the market. A slight increase in allocation to smaller caps could enhance growth prospects, albeit with added 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.

Considering the Efficient Frontier, it appears there may be room to optimize the portfolio for a better risk-return ratio. Adjusting allocations between the current assets could potentially enhance returns for the same level of risk or reduce volatility without significantly compromising growth. This optimization process is essential for ensuring the portfolio's alignment with the investor's risk tolerance and return expectations.

Dividends Info

  • iShares Morningstar Mid-Cap Growth ETF 0.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard S&P 500 Value Index Fund ETF Shares 2.00%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.08%

The dividend yields, ranging from 0.40% to 2.80%, contribute to the portfolio's total return, adding a layer of income on top of capital appreciation. While growth-focused portfolios typically prioritize reinvestment over immediate income, these dividends can provide a modest cash flow, which could be reinvested to compound growth.

Ongoing product costs Info

  • iShares Morningstar Mid-Cap Growth ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard S&P 500 Value Index Fund ETF Shares 0.10%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

The portfolio's overall expense ratio is impressively low, averaging 0.05%, which is favorable for long-term growth as lower costs translate directly into higher net returns. This efficient cost structure is a strong point, ensuring that more of the investment's returns are retained rather than lost to fees.

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