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A growth-focused and broadly diversified portfolio with a strong emphasis on global stocks

Report created on Jul 29, 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 significantly weighted towards global equities, with 80% invested in the Vanguard Total World Stock Index Fund ETF Shares, indicating a strong preference for broad market exposure. The remainder of the portfolio is diversified across various growth, value, and momentum strategies, both in the U.S. and internationally. This composition suggests a strategic balance between seeking global diversification and targeting specific growth and value opportunities within the small-cap and momentum sectors. Compared to a standard growth portfolio, this one leans heavily on worldwide equities, which could enhance diversification benefits but also expose it to global market volatility.

Growth Info

The historical performance showcasing a Compound Annual Growth Rate (CAGR) of 11.78% is impressive, particularly in the context of the portfolio's maximum drawdown of -34.62%. This drawdown indicates the portfolio's vulnerability during market downturns, which is a common characteristic for growth-oriented investments. The days contributing most significantly to returns highlight the portfolio's potential for significant gains in short periods, underscoring the importance of staying invested through market cycles. Comparing this performance to benchmarks would further clarify its relative strength, especially during diverse market conditions.

Projection Info

Forward projections using Monte Carlo simulation, with an annualized return average of 13.27%, suggest optimism for future growth. These simulations, which run thousands of scenarios to predict possible outcomes, indicate a wide range of potential future values, with a significant majority showing positive returns. However, it's crucial to remember that these projections are based on historical data and assumptions, which cannot guarantee future results. They serve as a tool for understanding potential volatility and the range of outcomes rather than precise predictions.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The near-total allocation to stocks, with a minimal cash reserve, positions this portfolio for growth but also increases its susceptibility to market fluctuations. This asset class distribution is typical for investors with a higher risk tolerance and a long-term investment horizon. Diversifying across different asset classes, such as bonds or real estate, could provide additional stability during stock market downturns, potentially smoothing out returns over time without significantly compromising long-term growth prospects.

Sectors Info

  • Technology
    25%
  • Financials
    16%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Basic Materials
    4%
  • Energy
    3%
  • Real Estate
    3%
  • Utilities
    2%

The sector allocation, with a heavy emphasis on technology and financial services, aligns with common growth portfolio strategies, aiming to capitalize on sectors with higher growth potential. However, this concentration also exposes the portfolio to sector-specific risks, such as regulatory changes or economic cycles affecting these industries more acutely. Balancing sector exposure by incorporating more defensive sectors like utilities or consumer staples could provide a counterbalance to these risks, potentially reducing volatility.

Regions Info

  • North America
    69%
  • Europe Developed
    13%
  • Asia Emerging
    5%
  • Japan
    5%
  • Asia Developed
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic distribution, with a dominant 69% in North America and significant exposure to developed Europe and emerging Asia, reflects a well-considered approach to global diversification. This allocation leverages growth opportunities in both established and developing markets. However, the relatively lower exposure to emerging markets and regions like Latin America and Africa/Middle East suggests potential areas for further diversification, which could tap into high-growth opportunities in less mature economies.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    27%
  • Mid-cap
    20%
  • Small-cap
    10%
  • Micro-cap
    2%

The market capitalization breakdown, with a mix of mega, big, medium, small, and micro-cap stocks, demonstrates a comprehensive approach to capturing growth across the size spectrum. This diversification can help mitigate the risks associated with different market segments, as smaller companies typically offer higher growth potential but come with increased volatility and risk. Adjusting the balance between these categories could fine-tune the portfolio's risk-reward profile according to changing market conditions or investment goals.

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.

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Considering the Efficient Frontier, this portfolio appears well-positioned towards the higher end of risk and return, indicative of its growth orientation. Optimization could involve adjusting allocations to further align with the investor's risk tolerance and return expectations. However, given its current composition, any adjustments should be made with a clear understanding of how they might shift the portfolio's position on the Efficient Frontier, balancing the trade-off between risk and potential return.

Dividends Info

  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.50%
  • Vanguard Small-Cap Value Index Fund ETF Shares 2.00%
  • Vanguard U.S. Momentum Factor 0.90%
  • Vanguard FTSE All-World ex-US Small-Cap Index Fund ETF Shares 2.80%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Weighted yield (per year) 1.59%

The dividend yields across the portfolio, contributing to a total yield of 1.59%, play a role in the overall return strategy, providing a steady income stream in addition to capital appreciation. This yield, while modest, can compound over time, contributing significantly to long-term growth. For investors particularly interested in income, reallocating towards assets with higher dividend yields could increase the income component of the portfolio, albeit potentially at the cost of some growth potential.

Ongoing product costs Info

  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard U.S. Momentum Factor 0.13%
  • Vanguard FTSE All-World ex-US Small-Cap Index Fund ETF Shares 0.08%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.07%

With an overall Total Expense Ratio (TER) of 0.07%, the portfolio benefits from low costs, which is crucial for maximizing long-term returns. Lower costs mean more of the investment's return is retained by the investor, a fundamental principle of investing efficiency. This portfolio's cost structure is commendably efficient, suggesting that the chosen funds are cost-effective vehicles for achieving the desired diversification and growth objectives.

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