Growth-focused portfolio with a strong bias towards US equities and technology sector

Report created on Aug 8, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is heavily weighted towards US equities, with a 60% allocation to the SPDR® Portfolio S&P 500 ETF and a 30% allocation to the iShares U.S. Dividend and Buyback ETF, both of which predominantly focus on US stocks. The remaining 10% is invested in the Vanguard Total International Stock Index Fund ETF Shares, providing some international exposure. This composition suggests a growth-oriented strategy with a moderate to high risk tolerance, given the heavy reliance on the stock market and particularly on the US market.

Growth Info

The portfolio has shown a Compound Annual Growth Rate (CAGR) of 14.01%, with a maximum drawdown of -34.66%. The performance is impressive, indicating strong growth over the period analyzed. However, the significant drawdown highlights the level of risk involved, particularly during market downturns. It's important to note that while past performance is a useful indicator, it does not guarantee future results.

Projection Info

Using Monte Carlo simulations, which project future outcomes based on historical data, the portfolio shows a wide range of potential outcomes. The median projection suggests a 336.3% increase, with a 12.74% annualized return across all simulations. While encouraging, it's crucial to remember that these projections are hypothetical and subject to the limitations of past performance data.

Asset classes Info

  • Stocks
    100%

The portfolio is exclusively invested in stocks, with no allocation to cash, bonds, or other asset classes. This singular focus on equities enhances growth potential but also increases volatility and risk. Diversifying across different asset classes could provide a buffer against market fluctuations.

Sectors Info

  • Technology
    30%
  • Financials
    16%
  • Consumer Discretionary
    9%
  • Health Care
    9%
  • Industrials
    9%
  • Telecommunications
    8%
  • Consumer Staples
    7%
  • Energy
    5%
  • Utilities
    3%
  • Real Estate
    2%
  • Basic Materials
    2%

The sector allocation is concentrated around technology (30%), financial services (16%), and a spread across consumer cyclicals, healthcare, and industrials. This concentration in technology and financial services sectors may increase volatility, as these sectors can be more sensitive to economic changes and interest rate fluctuations.

Regions Info

  • North America
    90%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%

Geographically, the portfolio is heavily skewed towards North America (90%), with minimal exposure to developed Europe, Asia, and other regions. This geographic concentration in the US market enhances potential for growth but also increases vulnerability to regional economic shifts and policy changes.

Market capitalization Info

  • Large-cap
    40%
  • Mega-cap
    35%
  • Mid-cap
    21%
  • Small-cap
    3%

The market capitalization breakdown shows a preference for larger companies, with 75% of the portfolio in big and mega-cap stocks. This bias towards larger companies may reduce volatility compared to investments in smaller companies but could also limit exposure to high-growth opportunities in the small and micro-cap sectors.

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 Efficient Frontier, which aims to maximize returns for a given level of risk, there may be opportunities to optimize the portfolio. Adjusting the asset allocation could potentially offer a better risk-return trade-off, though it's essential to balance optimization with the investor's goals and risk tolerance.

Dividends Info

  • iShares U.S. Dividend and Buyback 2.60%
  • SPDR® Portfolio S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.78%

The portfolio's dividend yield averages 1.78%, with the highest yield from the Vanguard Total International Stock Index Fund ETF Shares at 2.80%. While dividends contribute to total returns, the portfolio's growth focus means that capital appreciation is likely the primary goal. Investors should consider whether this yield aligns with their income needs or if adjustments are necessary.

Ongoing product costs Info

  • iShares U.S. Dividend and Buyback 0.05%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.03%

The portfolio benefits from low costs, with a total expense ratio (TER) of 0.03%, enhancing net returns. Keeping investment costs low is crucial for long-term growth, as fees can significantly erode investment gains over time.

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