A balanced yet tech-centric portfolio with a focus on ETFs and high growth potential

Report created on Jul 22, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

The portfolio is heavily weighted towards ETFs, with a significant emphasis on technology through the Invesco QQQ Trust allocation. The American Century ETF Trust and Vanguard Total Stock Market Index Fund ETF Shares suggest a broad market approach, while the iShares Global REIT ETF and Schwab U.S. Dividend Equity ETF introduce real estate and dividend-focused investments, respectively. The Avantis® U.S. Small Cap Value ETF adds a tilt towards small-cap value stocks. This composition indicates a preference for growth and income, though the portfolio's diversification is rated low, primarily due to its heavy reliance on ETFs within the U.S. market.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 18.44%, the portfolio has shown impressive historical performance, outpacing many benchmarks. The maximum drawdown of -16.53% suggests resilience in volatile markets, though it's important to remember that past performance is not always indicative of future results. The concentration in high-growth sectors like technology likely contributed to these returns, but investors should be aware of the risks associated with sector concentration.

Projection Info

Monte Carlo simulations offer a range of potential future outcomes based on historical data. While these simulations predict a wide range of growth possibilities, with a median projected increase of 738%, they should be viewed with caution. Historical performance is a valuable guide but not a guarantee. The high percentile outcomes suggest optimism but underscore the importance of understanding the underlying assumptions and the volatility inherent in such projections.

Asset classes Info

  • Stocks
    99%

The portfolio's allocation is overwhelmingly in stocks (99%), offering high growth potential but also higher risk compared to bonds or other asset classes. This aligns with a growth-oriented investment strategy but limits exposure to the stabilizing effects of more conservative investments like bonds or cash. Investors should consider their comfort with the portfolio's risk profile and whether a more diversified asset class mix could offer better risk-adjusted returns.

Sectors Info

  • Technology
    21%
  • Financials
    14%
  • Consumer Discretionary
    12%
  • Real Estate
    11%
  • Industrials
    11%
  • Telecommunications
    8%
  • Health Care
    6%
  • Basic Materials
    5%
  • Energy
    5%
  • Consumer Staples
    5%
  • Utilities
    1%

Sector allocation highlights a strong focus on technology, financial services, and consumer cyclicals, which are sectors known for their growth potential but also for their volatility. The substantial allocation to real estate through the REIT ETF adds income potential and a degree of diversification, though the overall sector diversity could be improved to mitigate sector-specific risks.

Regions Info

  • North America
    62%
  • Europe Developed
    1%
  • Australasia
    1%
  • Japan
    1%

Geographic exposure is heavily skewed towards North America, with minimal allocations to other regions. This concentration enhances exposure to the U.S. economy's growth potential but also increases vulnerability to regional economic downturns. Expanding geographic diversity could reduce risk and tap into growth opportunities in developed and emerging markets outside the U.S.

Market capitalization Info

  • Large-cap
    29%
  • Mega-cap
    29%
  • Mid-cap
    24%
  • Small-cap
    10%
  • Micro-cap
    4%

The portfolio spans a range of market capitalizations, with a balanced exposure to big, mega, and medium-cap stocks, complemented by smaller allocations to small and micro-caps. This diversification can help mitigate the volatility associated with smaller companies while still allowing for growth opportunities in larger, more established firms.

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.

Considering the portfolio's current allocation, there's room for optimization towards the Efficient Frontier, where the risk-return ratio is maximized. Adjusting the asset mix to introduce non-correlated assets or rebalancing sector and geographic exposures could enhance the portfolio's performance. This optimization process should be guided by the investor's risk tolerance and investment horizon.

Dividends Info

  • American Century ETF Trust 3.30%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Invesco QQQ Trust 0.40%
  • iShares Global REIT ETF 3.90%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 2.20%

The portfolio's average dividend yield of 2.20% contributes to its total return, blending growth and income. The higher yields from the iShares Global REIT ETF and Schwab U.S. Dividend Equity ETF boost income, complementing the growth potential from other holdings. This balance supports a strategy that seeks both capital appreciation and income generation.

Ongoing product costs Info

  • American Century ETF Trust 0.34%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco QQQ Trust 0.20%
  • iShares Global REIT ETF 0.14%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.20%

The overall portfolio cost, represented by a Total Expense Ratio (TER) of 0.20%, is relatively low, enhancing net returns. The varying costs among the ETFs, from 0.03% to 0.34%, highlight the importance of cost awareness in maximizing investment efficiency. Lower costs can significantly impact long-term growth due to compounding effects.

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