This portfolio has only about 1.6 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

Growth-focused portfolio with high U.S. equity exposure and strategic international diversification

Report created on Aug 3, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio predominantly consists of U.S. large-cap equities, with a significant allocation towards growth and momentum ETFs, reflecting a growth-oriented investment strategy. The presence of value ETFs and international exposure, though less pronounced, suggests an attempt at diversification. However, the heavy concentration in U.S. equities, particularly within the technology sector, indicates a higher risk profile and potential for volatility, albeit with the prospect of substantial rewards.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 24.99%, the portfolio has demonstrated impressive growth, outpacing many traditional benchmarks. This high return rate is indicative of the portfolio's aggressive growth strategy, focusing on sectors and assets that have performed well in recent years. The maximum drawdown of -19.21% suggests that while the portfolio is capable of significant gains, it also bears substantial risk, especially in market downturns.

Projection Info

Monte Carlo simulations project a wide range of potential outcomes, emphasizing the uncertainty inherent in investing. A median projected growth of 4,777% is exceptionally optimistic, highlighting the portfolio's aggressive growth potential. However, these projections, based on historical data, must be approached with caution as they cannot account for unforeseen market shifts. It's crucial to recognize that past performance is not a reliable indicator of future results.

Asset classes Info

  • Stocks
    99%
  • Other
    1%

The portfolio's asset class distribution shows a heavy emphasis on stocks, which aligns with its growth-focused strategy. The minimal allocation to other asset types, like cash or alternative investments, reflects a high tolerance for risk and a clear preference for capital appreciation over income or stability. Diversifying across different asset classes could help mitigate risk without significantly compromising growth potential.

Sectors Info

  • Technology
    29%
  • Financials
    18%
  • Consumer Discretionary
    11%
  • Industrials
    10%
  • Telecommunications
    9%
  • Health Care
    7%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

Sector allocation reveals a strong emphasis on technology and financial services, sectors known for their volatility but also for their growth potential. This concentration increases the portfolio's exposure to sector-specific risks. Broadening the sectoral coverage could enhance resilience against market fluctuations, potentially smoothing out returns without drastically diluting growth prospects.

Regions Info

  • North America
    83%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    2%
  • Asia Developed
    1%
  • Australasia
    1%

Geographic allocation is heavily skewed towards North America, with modest exposure to developed European markets and minimal allocations to emerging markets. This concentration in developed markets, while reducing geopolitical and currency risks, may limit exposure to high-growth opportunities available in emerging markets. Increasing international diversification could capture global growth trends and reduce region-specific risks.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    28%
  • Mid-cap
    15%
  • Small-cap
    6%
  • Micro-cap
    3%

The focus on mega and big-cap stocks supports the portfolio's growth objectives while offering stability associated with large, established companies. However, the limited exposure to small and micro-cap stocks could mean missing out on higher growth opportunities these segments can offer. Balancing market cap exposure could enhance growth potential and diversification.

Redundant positions Info

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

The high correlation among the U.S. large-cap growth, S&P 500, and momentum ETFs suggests redundancy, limiting diversification benefits. Diversifying into assets with lower correlations can reduce portfolio volatility and improve risk-adjusted returns by spreading exposure across uncorrelated or inversely correlated investments.

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 alignment with the Efficient Frontier could be improved by addressing the high correlation among certain assets. This optimization involves reallocating from overlapping assets to those offering similar growth prospects but with lower correlation, enhancing the portfolio's risk-return profile without sacrificing its growth orientation.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Invesco S&P International Developed Momentum ETF 2.00%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab U.S. Large-Cap Value ETF 2.20%
  • SPDR® Portfolio S&P 500 ETF 1.20%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Taiwan Semiconductor Manufacturing 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 1.16%

The overall dividend yield of 1.16% reflects the portfolio's growth orientation, where capital appreciation is prioritized over income generation. For investors seeking income, increasing allocations to higher-yielding assets could provide a steady income stream without necessarily compromising growth.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Bitcoin Trust 0.12%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab U.S. Large-Cap Value ETF 0.04%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.10%

With an average Total Expense Ratio (TER) of 0.10%, the portfolio is cost-efficient, which is crucial for long-term growth. Lower costs mean more of the investment's return is retained by the investor. Continually monitoring and minimizing investment costs remains a key strategy for enhancing net returns.

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