A tech-focused growth portfolio with strong emphasis on US equities and low costs

Report created on Nov 24, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is heavily weighted towards US equities, with a significant emphasis on the technology sector, as evidenced by its 60% allocation to the Vanguard S&P 500 ETF and 25% to the Invesco NASDAQ 100 ETF. The remaining 15% is allocated to the Vanguard Total International Stock Index Fund ETF Shares, providing some international exposure. This composition reflects a clear growth orientation, leveraging the historically strong performance of US tech stocks. However, the heavy concentration in a single sector and geographic area may introduce higher volatility and risk, particularly in market downturns or sector-specific declines.

Growth Info

The portfolio has demonstrated robust historical performance, with a Compound Annual Growth Rate (CAGR) of 14.92%. This impressive growth is partly due to the portfolio's significant exposure to the technology sector, which has outperformed many other sectors in recent years. However, the maximum drawdown of -27.37% highlights the potential risks associated with such concentrated exposure. It's important to note that past performance is not indicative of future results, and this level of performance may not be sustainable in the long term.

Projection Info

Monte Carlo simulations project a wide range of potential outcomes for this portfolio, with a median projected growth of 457.3% over the simulation period. While these projections are based on historical data and can offer insights into potential future performance, they are inherently uncertain. The simulations suggest a high likelihood of positive returns, but investors should remain cautious and consider the potential for significant fluctuations and periods of underperformance.

Asset classes Info

  • Stocks
    99%

The portfolio is almost entirely composed of stocks (99%), with negligible cash holdings. This asset allocation aligns with the portfolio's growth-focused strategy but comes with higher risk and volatility. Investors should understand that the absence of asset class diversification (e.g., bonds or real estate) can lead to more pronounced swings in portfolio value, especially during market downturns. Introducing other asset classes could provide a buffer against volatility and contribute to a more balanced risk-return profile.

Sectors Info

  • Technology
    38%
  • Consumer Discretionary
    11%
  • Telecommunications
    11%
  • Financials
    11%
  • Health Care
    8%
  • Industrials
    7%
  • Consumer Staples
    5%
  • Energy
    2%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    2%

The sectoral allocation reveals a heavy tilt towards technology (38%), followed by consumer cyclicals, communication services, and financial services, each constituting 11% of the portfolio. This concentration in technology and growth-oriented sectors has likely fueled the portfolio's strong performance but also increases susceptibility to sector-specific risks. Diversifying across a broader range of sectors could help mitigate these risks and stabilize returns over time.

Regions Info

  • North America
    85%
  • Europe Developed
    6%
  • Asia Emerging
    3%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, the portfolio is overwhelmingly focused on North America (85%), with limited exposure to international markets. This concentration benefits from the strong performance of the US market but lacks global diversification, which can be crucial for tapping into growth opportunities in emerging markets and reducing geo-political risk. Expanding the portfolio's geographic exposure could enhance its diversification and potential for global growth.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    34%
  • Mid-cap
    16%
  • Small-cap
    1%

The portfolio's market capitalization breakdown—48% mega, 34% big, and 16% medium—indicates a preference for large, established companies, which are typically less volatile than smaller companies. This bias towards larger companies may contribute to stability but could also limit potential high-growth opportunities found in smaller, more agile firms. Considering a more balanced market cap distribution could introduce new growth avenues and diversification benefits.

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 composition and performance, there's room for optimization towards achieving a better risk-return ratio, as suggested by the Efficient Frontier theory. This could involve adjusting asset allocations to reduce volatility without significantly compromising potential returns. Emphasizing diversification across sectors, geographies, and asset classes could improve the portfolio's overall risk profile while maintaining its growth trajectory.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.26%

The portfolio's dividend yield stands at 1.26%, with the highest yield coming from the Vanguard Total International Stock Index Fund ETF Shares. While dividends contribute to the portfolio's total return, the focus on growth equities means dividend income is secondary to capital appreciation. Investors relying on their portfolio for income may need to adjust their holdings to include higher-yielding assets.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

The portfolio's overall expense ratio (TER) of 0.06% is impressively low, maximizing the potential for net returns. Low costs are crucial for long-term investment success, as they compound over time and can significantly impact total returns. This portfolio's cost efficiency is a strong point, indicating effective expense management.

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