A growth-focused portfolio with an emphasis on technology and US equities

Report created on Nov 12, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is predominantly invested in US equities, with a significant 64% allocation to the Vanguard Total Stock Market Index Fund ETF Shares, highlighting a strong preference for broad market exposure. The inclusion of specialized ETFs and index funds, such as the VanEck Semiconductor ETF and Utilities Select Sector SPDR® Fund, suggests an attempt to capture sector-specific growth. The portfolio's diversification is moderate, leaning heavily on stocks (99%) with minimal cash holdings, indicating a growth-oriented strategy with limited liquidity buffers.

Growth Info

Historical performance showcases a Compound Annual Growth Rate (CAGR) of 14.88%, with a maximum drawdown of -35.25%. This performance, characterized by significant gains punctuated by sharp declines, reflects the inherent volatility and risk associated with a growth-focused strategy. The days contributing most to returns underscore the portfolio's susceptibility to market timing, emphasizing the importance of long-term holding to capture key growth periods.

Projection Info

Monte Carlo simulations, using historical data to forecast future performance, project a wide range of outcomes with a median annualized return of 17.01%. While the simulations predict substantial growth in most scenarios, they also highlight the portfolio's risk, with a notable 5th percentile outcome showing much lower growth. This underscores the uncertainty and potential for underperformance, inherent in equity-heavy, growth-focused investments.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The asset class allocation is heavily skewed towards stocks, making up 99% of the portfolio. This concentration enhances growth potential but also increases volatility and risk, especially during market downturns. The minimal cash holding serves as a limited buffer against market fluctuations, suggesting a need for a more balanced approach to manage risk effectively.

Sectors Info

  • Technology
    30%
  • Financials
    13%
  • Utilities
    10%
  • Industrials
    9%
  • Health Care
    8%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Consumer Staples
    4%
  • Energy
    3%
  • Real Estate
    3%
  • Basic Materials
    2%
  • Consumer Discretionary
    1%

The sector allocation reveals a significant emphasis on technology, accounting for 30% of the portfolio. This concentration in a high-growth sector may lead to higher volatility, especially in response to market shifts or regulatory changes affecting the tech industry. Diversifying across additional sectors could mitigate sector-specific risks and stabilize returns.

Regions Info

  • North America
    90%
  • Europe Developed
    4%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Japan
    2%

Geographic allocation is heavily focused on North America (90%), with minimal exposure to international markets. This concentration in developed markets, particularly the US, limits global diversification benefits and increases exposure to region-specific economic and political risks. Expanding into emerging markets or other developed regions could offer new growth opportunities and risk mitigation.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    28%
  • Mid-cap
    25%
  • Small-cap
    9%
  • Micro-cap
    4%

The market capitalization breakdown shows a balanced exposure across mega, big, and medium-sized companies, but limited allocation to small and micro-cap stocks. This composition supports a blend of stability and growth potential but may miss out on the high-growth opportunities often found in smaller companies. Increasing exposure to small and micro-cap stocks could enhance growth prospects, albeit with higher risk.

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 portfolio's current allocation demonstrates a strong growth orientation but could benefit from optimization towards the Efficient Frontier, aiming for the best possible risk-return ratio. This may involve adjusting allocations to achieve a more balanced risk profile while maintaining growth prospects. It's important to note that optimization should consider the investor's risk tolerance and investment horizon.

Dividends Info

  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 3.10%
  • FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.80%
  • VanEck Semiconductor ETF 0.30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Utilities Select Sector SPDR® Fund 2.60%
  • Weighted yield (per year) 1.48%

The portfolio's average dividend yield of 1.48% contributes to total returns, providing a steady income stream in addition to capital appreciation. However, the focus on growth-oriented investments typically results in lower yield compared to more income-focused strategies. Investors seeking higher income may consider reallocating towards higher-yielding assets or sectors.

Ongoing product costs Info

  • FIDELITY MID CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • FIDELITY SMALL CAP INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Utilities Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.05%

With an overall portfolio expense ratio of 0.05%, the portfolio is efficiently managed in terms of costs. Low expense ratios are crucial for long-term growth, as they minimize the drag on returns. This cost efficiency is commendable and supports the portfolio's growth objectives by ensuring more of the investment's return is retained.

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