A growth-focused portfolio with a blend of US and international equities across diverse sectors

Report created on Aug 4, 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 structured around five ETFs, each holding a 20% share, spanning US small-cap values, technology, dividend equities, the S&P 500, and international stocks. The allocation reflects a strategic mix aimed at capturing growth across different market segments and geographies. By evenly distributing investments across these ETFs, the portfolio shows a commitment to diversification within the equity asset class, though it leans heavily towards stocks, with minimal cash holdings to buffer against market volatility.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 15.24% and a maximum drawdown of -34.64%, the portfolio has shown substantial growth potential but also significant volatility. The days contributing to 90% of returns are notably few, highlighting the impact of sharp market movements on performance. This historical performance, while impressive, underscores the portfolio's susceptibility to market swings, suggesting a need for investors to have a high-risk tolerance and a long-term perspective to weather potential downturns.

Projection Info

Monte Carlo simulations, using historical data to forecast future outcomes, suggest a wide range of potential portfolio values. With 977 out of 1,000 simulations yielding positive returns, the median projected growth is substantial. However, the broad spread from the 5th to 67th percentile underscores the inherent uncertainty in such projections. While these outcomes offer optimistic scenarios, investors should remember that past performance is not indicative of future results, and simulations are based on historical patterns that may not repeat.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's allocation is heavily weighted towards stocks (99%), with a minimal cash reserve (1%). This composition aligns with its growth-oriented risk profile but limits flexibility and increases exposure to market downturns. Diversifying across asset classes, including fixed income or alternative investments, could provide additional stability without significantly compromising growth potential.

Sectors Info

  • Technology
    23%
  • Financials
    15%
  • Consumer Discretionary
    12%
  • Industrials
    11%
  • Health Care
    8%
  • Energy
    8%
  • Consumer Staples
    8%
  • Telecommunications
    8%
  • Basic Materials
    3%
  • Utilities
    1%
  • Real Estate
    1%

Sectoral allocation covers a broad spectrum, with technology (23%) and financial services (15%) leading, followed by a balanced spread across consumer cyclicals, industrials, and other sectors. This distribution captures growth opportunities in high-performing areas while mitigating risks through diversification. However, the heavy tech weighting introduces sector-specific volatility, which investors should monitor closely.

Regions Info

  • North America
    80%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Latin America
    1%
  • Africa/Middle East
    1%

Geographically, the portfolio is heavily weighted towards North America (80%), with modest allocations to developed Europe, Asia, and other regions. This concentration benefits from the robust US market but may limit exposure to emerging markets' growth. Increasing international diversification could enhance returns and reduce geographic risk, especially in rapidly developing economies.

Market capitalization Info

  • Large-cap
    32%
  • Mega-cap
    29%
  • Mid-cap
    16%
  • Small-cap
    11%
  • Micro-cap
    11%

The portfolio's market capitalization breakdown shows a balanced exposure to big (32%), mega (29%), and medium (16%) cap stocks, with smaller allocations to small and micro caps. This mix supports a balanced risk-return profile, capturing the stability of larger companies and the growth potential of smaller firms. Adjusting these allocations could fine-tune the portfolio's risk and growth characteristics.

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, while already diversified, may benefit from optimization along the Efficient Frontier to achieve the best possible risk-return ratio. This approach would involve adjusting the weights of the existing assets to find the optimal balance, potentially enhancing returns for the same level of risk. However, it's important to note that optimization is based on historical data, which may not predict future performance accurately.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Invesco QQQ Trust 0.50%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 2.04%

The portfolio's dividend yield stands at an average of 2.04%, with the Schwab U.S. Dividend Equity ETF contributing the highest yield. Dividends offer a steady income stream and can provide a buffer in volatile markets. Investors might consider the role of dividends in their overall return expectations, balancing growth and income according to their financial goals.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco QQQ Trust 0.20%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.12%

With an overall portfolio expense ratio of 0.12%, the portfolio is cost-efficient, enhancing net returns over the long term. This low cost is commendable, as it allows investors to retain a larger portion of their returns, a crucial factor in compounding growth over time.

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