Growth-focused portfolio with a strong emphasis on large-cap stocks and international exposure

Report created on Aug 7, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Your portfolio is structured around three ETFs, concentrating heavily on U.S. large-cap growth and the total stock market, alongside a significant allocation to international developed markets. This composition reflects a growth-oriented strategy with a broad diversification across sectors and geographies. However, the heavy reliance on stock ETFs, particularly with a substantial weight towards technology and financial services, suggests an elevated risk profile suited to investors comfortable with market volatility. The balance between U.S. and international exposure enhances global diversification, which is beneficial for tapping into growth opportunities outside the domestic market.

Growth Info

Historically, your portfolio has exhibited a Compound Annual Growth Rate (CAGR) of 19.43%, a robust performance that underscores its growth potential. The maximum drawdown of -33.13% indicates periods of significant volatility, which is consistent with the growth-focused nature of the portfolio. It's important to note that while past performance is encouraging, it's not a guaranteed predictor of future results. The days contributing most to returns highlight the portfolio's susceptibility to short-term market movements, emphasizing the need for a long-term investment horizon to navigate volatility effectively.

Projection Info

Monte Carlo simulations, which use historical data to project potential future outcomes, suggest a wide range of possibilities for your portfolio. With a median projected increase of 1,050% and 998 out of 1,000 simulations showing positive returns, the outlook appears optimistic. However, these projections are hypothetical and subject to the limitations of past performance data. They underscore the importance of maintaining a diversified and balanced portfolio to manage risk effectively while pursuing growth.

Asset classes Info

  • Stocks
    100%

Your portfolio is entirely composed of stocks, aligning with a high-growth investment strategy. This singular focus on equities exposes you to higher market volatility, which can offer substantial returns but also poses significant risks, especially in market downturns. Diversifying across different asset classes, such as bonds or real estate, could provide a buffer against stock market fluctuations, potentially smoothing out returns over time without dramatically compromising growth potential.

Sectors Info

  • Technology
    31%
  • Financials
    21%
  • Telecommunications
    10%
  • Industrials
    10%
  • Consumer Discretionary
    10%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Energy
    2%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

The sectoral allocation of your portfolio shows a heavy emphasis on technology and financial services, sectors known for their growth potential but also for their volatility. This concentration enhances your portfolio's growth prospects but also increases its sensitivity to sector-specific risks. Diversifying more evenly across sectors could mitigate this risk, potentially leading to more stable returns over time. The presence of sectors like healthcare and consumer cyclicals adds some balance, but further diversification could improve resilience against market shifts.

Regions Info

  • North America
    76%
  • Europe Developed
    17%
  • Australasia
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Africa/Middle East
    1%

Your geographic allocation is heavily skewed towards North America, with significant exposure to developed European markets. This distribution leverages the stability and growth potential of developed economies but limits exposure to emerging markets, which can offer higher growth rates. Considering a modest increase in emerging markets exposure could enhance growth prospects and diversification, potentially offsetting risks associated with developed markets' economic cycles.

Market capitalization Info

  • Mega-cap
    55%
  • Large-cap
    28%
  • Mid-cap
    12%
  • Small-cap
    3%
  • Micro-cap
    1%

The portfolio's focus on mega and big-cap stocks aligns with its growth and stability objectives, leveraging the potential of established companies with a track record of performance. However, this emphasis may limit exposure to the higher growth potential of smaller companies. Incrementally increasing the allocation to medium, small, and micro-cap stocks could introduce more growth opportunities, albeit with higher volatility and risk.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation between the Schwab U.S. Large-Cap Growth ETF and the Vanguard Total Stock Market Index Fund ETF Shares indicates overlapping investments that may not contribute to diversification. Reducing this overlap by reallocating assets could enhance the portfolio's diversification benefits, potentially reducing volatility without significantly impacting growth prospects.

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.

Optimizing your portfolio along the Efficient Frontier could enhance its risk-return profile. Currently, the high correlation between certain assets suggests room for improvement in diversification. By adjusting allocations to reduce overlap and potentially incorporating a wider range of asset classes or sectors, you could achieve a more efficient distribution of risk and return. Remember, optimization is based on historical data, which is not a definitive guide to future performance but can provide a structured approach to balancing risk and reward.

Dividends Info

  • Invesco S&P International Developed Momentum ETF 2.00%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 1.16%

The overall dividend yield of your portfolio is relatively modest, reflecting its growth orientation. While dividends contribute to total return, focusing primarily on growth stocks typically results in lower yield. For investors seeking income, increasing exposure to dividend-paying sectors or ETFs could provide a better balance between growth and income. However, for growth-focused investors, the current yield may be appropriate given the portfolio's objectives.

Ongoing product costs Info

  • Invesco S&P International Developed Momentum ETF 0.25%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.10%

With a total expense ratio (TER) of 0.10%, your portfolio benefits from relatively low costs, which is commendable. Lower costs contribute to higher net returns over time, enhancing the portfolio's growth potential. Maintaining a focus on cost efficiency, especially when considering adjustments or additions to the portfolio, will continue to support better long-term performance.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey