A balanced and broadly diversified portfolio with a strong focus on technology and utilities
Report created on Oct 6, 2025Risk profile
4/7
Diversification profile
4/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
XL Utilities Select Sector SPDR® Fund
XLU - US81369Y8865 20.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 10.00%
This portfolio is characterized by a significant allocation to the Vanguard S&P 500 ETF, comprising half of the portfolio, followed by international, utilities, and semiconductor exposures. This structure suggests a balanced approach, leaning towards growth with a substantial nod to stability through utilities. The inclusion of a semiconductor ETF adds a sector-specific growth angle, diversifying within equities while maintaining a clear focus on technology.
Growth
With a historical Compound Annual Growth Rate (CAGR) of 15.16% and a maximum drawdown of -33.71%, the portfolio has demonstrated strong growth potential tempered by significant volatility. The days contributing to 90% of returns highlight the portfolio's susceptibility to market movements, underscoring the importance of understanding risk tolerance and investment horizon.
Projection
Monte Carlo simulations project a wide range of outcomes, with a median increase of 697.9%. While optimistic, it's crucial to remember that these projections are based on historical data and assumptions, not guarantees. This method helps visualize potential future scenarios but should be one of many tools used in decision-making.
Asset classes
- Stocks 99%
- Cash 1%
The portfolio's near-exclusive focus on stocks (99%) with minimal cash holdings reflects a growth-oriented strategy. While this allocation has historically offered higher returns, it also comes with increased volatility. Investors should ensure this aligns with their risk tolerance and financial goals.
Sectors
- Technology 30%
- Utilities 22%
- Financials 11%
- Consumer Discretionary 7%
- Industrials 7%
- Telecommunications 6%
- Health Care 6%
- Consumer Staples 4%
- Energy 2%
- Basic Materials 2%
- Real Estate 2%
The sectoral distribution emphasizes technology and utilities, offering a blend of growth and stability. This mix can hedge against market volatility, as utilities often provide steady returns in turbulent times. However, the heavy tilt towards technology could expose the portfolio to sector-specific risks.
Regions
- North America 80%
- Europe Developed 8%
- Asia Developed 3%
- Asia Emerging 3%
- Japan 3%
- Australasia 1%
- Africa/Middle East 1%
With 80% exposure to North America and diversified allocations across developed and emerging markets, the portfolio is well-positioned to capture global growth while mitigating regional risks. However, the minimal exposure to Latin America and Europe Emerging markets suggests potential areas for further diversification.
Market capitalization
- Mega-cap 37%
- Large-cap 35%
- Mid-cap 26%
- Small-cap 2%
The spread across mega, big, and medium market capitalizations indicates a balanced approach, aiming to capture the stability of large companies and the growth potential of smaller firms. However, the minimal exposure to small and micro-caps could limit opportunities for outsized gains from emerging companies.
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 suggests it is near the Efficient Frontier, indicating a favorable risk-return balance. However, continuous review and adjustment, especially in response to changing market conditions or personal financial goals, can further optimize performance.
Dividends
- VanEck Semiconductor ETF 0.30%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Utilities Select Sector SPDR® Fund 2.60%
- Weighted yield (per year) 1.64%
The dividend yield contributes to the portfolio's total return, offering a blend of growth and income. This balance supports a strategy that seeks to grow capital while providing some income, particularly through the higher yields of the utilities and international stock ETFs.
Ongoing product costs
- VanEck Semiconductor ETF 0.35%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Utilities Select Sector SPDR® Fund 0.09%
- Weighted costs total (per year) 0.08%
With an overall Total Expense Ratio (TER) of 0.08%, the portfolio is cost-efficient, enhancing long-term returns. The low costs are particularly impressive given the broad diversification and specialized sector exposure, highlighting effective fund selection.
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