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Growth-oriented portfolio with a strong focus on US equities and technology sector

Report created on Aug 2, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

This portfolio is predominantly invested in US equities, with a significant concentration in large-cap and technology-focused ETFs. The top three holdings, all S&P 500 ETFs, account for nearly 70% of the portfolio, indicating a strong belief in the performance of large US companies. The inclusion of sector-specific ETFs like technology and biotechnology suggests a tilt towards high-growth areas. However, the almost exclusive focus on stocks, with no bond or alternative asset classes, points to a high-risk, high-reward strategy that lacks hedging against market volatility.

Growth Info

Historically, this portfolio has delivered a Compound Annual Growth Rate (CAGR) of 11.62%, with a maximum drawdown of -27.29%. These figures illustrate a robust growth trajectory, albeit with significant volatility. The days contributing to 90% of returns being so few indicates that the portfolio's performance is heavily reliant on short, strong market rallies. While past performance is impressive, it's crucial to remember that it doesn't guarantee future results, especially in a portfolio with high exposure to market fluctuations.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, suggest a wide range of potential performances for this portfolio. With a median projected growth of 165.6% but a possibility of a -23.2% return at the 5th percentile, investors should be prepared for significant volatility. These projections underscore the inherent risks of a growth-focused strategy and the importance of being financially and emotionally prepared for downturns as well as upswings.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely allocated to stocks, with no diversification into bonds, cash, or other asset classes. While this maximizes potential returns, it also increases volatility and risk, especially in market downturns. Diversifying across different asset classes can provide a buffer against stock market fluctuations, potentially smoothing out returns and reducing the overall risk of the portfolio.

Sectors Info

  • Technology
    35%
  • Health Care
    12%
  • Financials
    12%
  • Consumer Discretionary
    10%
  • Telecommunications
    10%
  • Industrials
    8%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

With a heavy emphasis on technology (35%) and healthcare (12%), the portfolio is positioned to benefit from growth in these sectors. However, this concentration also exposes it to sector-specific risks, such as regulatory changes or technological shifts. While these sectors have historically offered strong returns, diversifying across a broader range of sectors could mitigate risks and capitalize on growth opportunities elsewhere.

Regions Info

  • North America
    92%
  • Europe Developed
    5%
  • Japan
    1%
  • Asia Developed
    1%
  • Asia Emerging
    1%
  • Australasia
    1%

The geographic allocation is heavily skewed towards North America (92%), with minimal exposure to international markets. This concentration in the US market can limit diversification benefits and exposure to global growth opportunities. Increasing allocations to developed and emerging markets outside the US could provide a more balanced geographic exposure, potentially reducing volatility and enhancing returns through exposure to faster-growing economies.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    29%
  • Mid-cap
    17%
  • Small-cap
    6%
  • Micro-cap
    2%

The portfolio's focus on mega (46%) and big (29%) cap stocks aligns with its growth strategy, leveraging the stability and potential of large companies. However, the limited exposure to medium (17%), small (6%), and micro (2%) cap stocks may restrict opportunities for outsized gains that smaller companies can offer. Incorporating a broader range of market capitalizations could enhance growth potential and diversification.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Vanguard S&P 500 ETF
    SPDR® Portfolio S&P 500 Growth ETF
    SPDR S&P 500 ETF Trust
    iShares U.S. Technology ETF
    Schwab U.S. Broad Market ETF
    High correlation
  • Schwab U.S. Small-Cap ETF
    Schwab U.S. Mid-Cap ETF
    High correlation
  • Schwab International Equity ETF
    Schwab International Small-Cap Equity ETF
    Vanguard Total International Stock Index Fund ETF Shares
    High correlation

High correlation among the portfolio's largest holdings, particularly within the US large-cap and technology ETFs, suggests redundancy and a concentration of risk. This lack of diversification can amplify losses during market downturns. Reducing overlap by consolidating similar holdings and diversifying into less correlated assets could improve the portfolio's risk-adjusted 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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Optimizing this portfolio involves addressing its high correlation among holdings and lack of diversification across asset classes, sectors, and geographies. The Efficient Frontier suggests that reallocating investments to reduce overlap and introduce underrepresented assets could enhance the risk-return profile. Before making adjustments, consider the impact on the portfolio's growth objectives and risk tolerance.

Dividends Info

  • iShares Biotechnology ETF 0.30%
  • iShares U.S. Technology ETF 0.20%
  • Schwab U.S. Small-Cap ETF 1.60%
  • Schwab U.S. Broad Market ETF 1.20%
  • Schwab International Small-Cap Equity ETF 3.00%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Schwab International Equity ETF 2.60%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab U.S. Mid-Cap ETF 1.40%
  • Schwab International Dividend Equity ETF 3.90%
  • SPDR S&P 500 ETF Trust 1.10%
  • SPDR® Portfolio S&P 500 Growth ETF 0.60%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.15%

The portfolio's dividend yield stands at 1.15%, which is relatively modest given its growth orientation. While dividends are not the primary focus, they can provide a steady income stream and contribute to total returns, especially in volatile or declining markets. Rebalancing to include ETFs with higher dividend yields could enhance income without significantly compromising growth potential.

Ongoing product costs Info

  • iShares Biotechnology ETF 0.45%
  • iShares U.S. Technology ETF 0.40%
  • Schwab U.S. Small-Cap ETF 0.04%
  • Schwab U.S. Broad Market ETF 0.03%
  • Schwab International Small-Cap Equity ETF 0.11%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab U.S. Mid-Cap ETF 0.04%
  • Schwab International Dividend Equity ETF 0.14%
  • SPDR S&P 500 ETF Trust 0.10%
  • SPDR® Portfolio S&P 500 Growth ETF 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.09%

The portfolio's total expense ratio (TER) of 0.09% is impressively low, minimizing the drag on returns due to fees. This efficient cost structure is commendable and supports better long-term performance. Maintaining focus on low-cost investments will continue to be beneficial, especially in a growth-focused strategy where every percentage point of return matters.

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