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A growth-focused portfolio with a strong emphasis on US large-cap equities and emerging markets

Report created on Sep 1, 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 heavily weighted towards US large-cap equities, with significant positions in the Schwab U.S. Large-Cap Growth ETF and Invesco S&P 500® Momentum ETF, together comprising 58% of the portfolio. The inclusion of the Vanguard S&P 500 ETF further increases exposure to large-cap US stocks. Emerging markets and developed international markets are represented but to a lesser extent, indicating a strong domestic bias. The overall diversification score suggests a broad range of sectors and geographies, yet the concentration in large-cap growth and momentum strategies points to a specific risk-return profile.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 18.62% and a maximum drawdown of -32.11%, the portfolio has demonstrated strong growth potential albeit with significant volatility. The days contributing to 90% of returns indicate that gains have been concentrated in relatively few, potentially high-impact trading days. This performance, while impressive, underscores the portfolio's exposure to market fluctuations and the importance of timing in realizing returns.

Projection Info

Monte Carlo simulations, utilizing historical data to project future outcomes, suggest a wide range of potential portfolio values, with a median increase of 658%. However, it's crucial to remember that these projections are based on past performance, which is not a reliable indicator of future results. The simulations highlight the portfolio's growth potential but also underscore the inherent uncertainties in market-based investments.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio is almost entirely composed of stocks (99%), with a minimal cash holding. This allocation aligns with a growth-oriented investment strategy, aiming for higher returns at the expense of higher volatility and risk. The absence of fixed income or alternative investments limits the portfolio's ability to hedge against stock market downturns, emphasizing its aggressive growth focus.

Sectors Info

  • Technology
    31%
  • Financials
    14%
  • Consumer Discretionary
    12%
  • Telecommunications
    11%
  • Industrials
    8%
  • Consumer Staples
    7%
  • Health Care
    7%
  • Energy
    4%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    1%

The sectoral allocation is heavily skewed towards technology, financial services, and consumer cyclicals, which are sectors typically associated with higher growth but also higher volatility. This concentration enhances the portfolio's growth prospects but increases its susceptibility to sector-specific downturns. The presence of defensive sectors like healthcare and consumer staples provides some balance, though they are underrepresented.

Regions Info

  • North America
    82%
  • Asia Emerging
    8%
  • Asia Developed
    3%
  • Europe Developed
    3%
  • Africa/Middle East
    1%
  • Japan
    1%
  • Latin America
    1%

The geographic allocation is predominantly in North America (82%), with modest exposure to emerging and developed markets outside the US. This heavy domestic orientation leverages the growth potential of the US economy but may limit global diversification benefits. The emerging markets exposure introduces higher growth potential albeit with increased risk.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    32%
  • Mid-cap
    16%
  • Small-cap
    2%

The portfolio's focus on mega and big-cap stocks (81% combined) underscores its emphasis on established companies with potentially lower growth rates than smaller companies but also lower volatility. The limited exposure to small and micro-cap stocks narrows the portfolio's reach into high-growth, high-risk segments of the market.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Vanguard S&P 500 ETF
    High correlation

The high correlation between the Schwab U.S. Large-Cap Growth ETF and the Vanguard S&P 500 ETF indicates redundancy, as both track large-cap US equities. This overlap reduces the portfolio's diversification benefits, concentrating risk in a specific market segment. Reducing exposure to one of these could improve the portfolio's risk-adjusted returns.

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 risk-return profile could be optimized by addressing the high correlation between certain assets. Diversifying into less correlated asset classes or sectors could improve the portfolio's resilience to market downturns. Adjusting the asset allocation to include a wider range of market capitalizations and incorporating alternative investments or fixed income could also enhance diversification and reduce volatility.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.70%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.60%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.31%

The portfolio's average dividend yield of 1.31% reflects a balance between growth-oriented investments, which typically offer lower yields, and income-generating assets. The Schwab U.S. Dividend Equity ETF provides a higher yield, contributing to the portfolio's income while also offering growth potential.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.07%

With a total Expense Ratio (TER) of 0.07%, the portfolio benefits from low costs, enhancing long-term returns by minimizing the drag on performance. This efficient cost structure is advantageous, particularly in growth-oriented strategies where the compounding effect of costs can be significant over time.

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