Growth-focused portfolio with strong tech exposure and moderate diversification

Report created on Jul 9, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Your portfolio is heavily weighted towards ETFs, focusing on various segments of the US market, with a minor allocation towards international stocks. The clear emphasis is on growth, particularly within the technology sector, which is evident from the significant allocation towards the VanEck Semiconductor ETF and other tech-heavy funds. While this strategy aligns with a growth-oriented risk profile, the minimal international exposure and concentration in specific sectors may limit diversification benefits.

Growth Info

Historically, your portfolio has shown impressive growth, with a Compound Annual Growth Rate (CAGR) of 17.16%. This performance is notable, especially when considering the maximum drawdown of -34.44%, which indicates resilience in volatile markets. The days contributing to 90% of returns highlight the portfolio's potential for significant gains on relatively few, high-impact days. This performance metric is a testament to the growth strategy's success but also underscores the importance of staying invested through market fluctuations.

Projection Info

Monte Carlo simulations, using historical data to forecast future outcomes, suggest a wide range of potential future performances for your portfolio. With a median projected growth of 746.1% and 993 out of 1,000 simulations showing positive returns, the outlook is generally optimistic. However, it's important to remember that such projections are not guarantees and should be viewed as one of many tools in assessing potential future performance.

Asset classes Info

  • Stocks
    100%
  • Cash
    1%

Your portfolio is almost entirely composed of stocks, which is consistent with a growth-oriented investment strategy. This asset class is known for its potential for high returns, albeit with corresponding high risk. The minor cash holding provides some liquidity, but the absence of bonds or other fixed-income securities means you're missing out on their potential for risk mitigation and income generation.

Sectors Info

  • Technology
    33%
  • Financials
    12%
  • Consumer Discretionary
    11%
  • Health Care
    10%
  • Industrials
    9%
  • Telecommunications
    7%
  • Consumer Staples
    7%
  • Energy
    6%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    1%

The sectoral allocation reveals a strong emphasis on technology, followed by financial services and consumer cyclicals. This concentration in high-growth sectors can drive significant returns during bullish market periods but also exposes the portfolio to sector-specific downturns. Diversifying across a broader range of sectors could help balance this risk, particularly by increasing allocations to traditionally defensive sectors like utilities and consumer staples.

Regions Info

  • North America
    93%
  • Europe Developed
    3%
  • Asia Developed
    2%
  • Asia Emerging
    1%
  • Japan
    1%

Geographically, your portfolio is heavily skewed towards North America, with minimal exposure to international markets. This concentration in a single region, while benefiting from the robust performance of US equities, limits global diversification and exposure to potential growth in emerging and developed markets outside the US. Increasing international allocations could provide a buffer against region-specific economic downturns and capitalize on global growth opportunities.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    30%
  • Mid-cap
    20%
  • Small-cap
    14%
  • Micro-cap
    4%

The market capitalization breakdown shows a balanced exposure across mega, big, and medium-sized companies, with a smaller allocation towards small and micro-cap stocks. This mix supports a growth-focused strategy while providing a degree of stability through investments in large-cap firms. However, the relatively lower allocation to small and micro-cap stocks may mean missing out on the higher growth potential these companies can offer.

Redundant positions Info

  • Schwab U.S. Dividend Equity ETF
    Invesco S&P 500 Revenue ETF
    High correlation
  • Schwab U.S. Large-Cap Growth ETF
    SPDR® Portfolio S&P 500 ETF
    High correlation

The high correlation between certain ETFs, such as the Schwab U.S. Dividend Equity ETF and the Invesco S&P 500 Revenue ETF, suggests redundancy in your portfolio. This overlap limits the diversification benefits, as these assets tend to move in tandem during market fluctuations. Identifying and reducing such overlaps can enhance portfolio efficiency by ensuring each investment contributes to diversification.

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.

While your portfolio shows a strong growth orientation and commendable cost efficiency, optimization could further enhance its risk-return profile. The Efficient Frontier analysis suggests that reducing overlap among highly correlated assets could improve diversification without necessarily sacrificing potential returns. This adjustment would aim to maximize returns for a given level of risk, aligning more closely with the principles of modern portfolio theory.

Dividends Info

  • Fidelity Small-Mid Factor 1.30%
  • Invesco S&P 500 Revenue ETF 1.40%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.40%
  • SPDR® Portfolio S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.47%

With a total portfolio yield of 1.47%, your portfolio generates a moderate income stream, primarily from the Schwab U.S. Dividend Equity ETF. While the focus on growth-oriented assets typically comes at the expense of higher dividend yields, the current income can provide a steady cash flow, which can be reinvested to compound growth. Balancing growth and income-generating assets could offer a more holistic approach to achieving both capital appreciation and income.

Ongoing product costs Info

  • Fidelity Small-Mid Factor 0.15%
  • Invesco S&P 500 Revenue ETF 0.39%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.13%

The portfolio's overall expense ratio of 0.13% is relatively low, which is favorable for long-term growth as lower costs translate directly into higher net returns. This efficiency in managing costs is commendable and indicates a well-thought-out selection of cost-effective ETFs. Maintaining this focus on keeping costs low will continue to be beneficial, especially in market downturns where every percentage point of return counts.

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