This portfolio has only about 1.9 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

A growth-oriented portfolio with a strong tech focus and a balanced risk profile

Report created on Aug 3, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is heavily weighted towards ETFs, comprising 95% of the total allocation, with a particular emphasis on technology and growth sectors. The remaining 5% is allocated to individual stocks, providing a slight diversification in terms of asset types. The portfolio's structure, leaning heavily on ETFs, simplifies management but also concentrates risk, especially given the significant overlap in the tech sector. While ETFs offer broad market exposure, the specific selection here narrows that exposure to particular industries and regions, primarily North America.

Growth Info

Historically, this portfolio has demonstrated a robust Compound Annual Growth Rate (CAGR) of 23.88%, outpacing many traditional benchmarks. This high performance, however, comes with a notable maximum drawdown of -15.76%, indicating periods of significant volatility. The days contributing most to returns are relatively few, suggesting that the portfolio's gains are concentrated in short bursts, a characteristic often associated with high-growth sectors like technology. While past performance is impressive, it's essential to remember that it doesn't guarantee future results, and such volatility might not suit all investors.

Projection Info

Monte Carlo simulations project a wide range of potential outcomes for this portfolio, with a median increase of 1,079.2%—a testament to its growth potential. However, the broad spread between the 5th and 67th percentiles underscores the inherent risk. These simulations, while useful for forecasting, rely on historical data that may not fully predict future market conditions. Investors should view these projections as one of many tools in decision-making, not a guaranteed outcome.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely invested in stocks, with no allocation to bonds, cash, or alternative investments. This singular focus on equities enhances growth potential but also increases susceptibility to market volatility. Diversifying across asset classes can mitigate risk by providing a buffer during stock market downturns. For a balanced risk profile, incorporating fixed-income securities or real assets could provide more stability without significantly compromising growth objectives.

Sectors Info

  • Technology
    40%
  • Industrials
    19%
  • Telecommunications
    9%
  • Consumer Discretionary
    8%
  • Real Estate
    5%
  • Health Care
    5%
  • Consumer Staples
    5%
  • Energy
    4%
  • Financials
    3%
  • Basic Materials
    1%

With 40% allocated to technology, the portfolio is positioned to capitalize on the sector's growth but also exposed to its volatility, particularly during economic downturns or interest rate hikes. The diversification across other sectors like industrials, communication services, and consumer cyclicals is commendable, yet the heavy tech focus may overshadow the benefits. Balancing sector allocations could reduce risk and improve resilience against sector-specific downturns.

Regions Info

  • North America
    93%
  • Europe Developed
    6%
  • Asia Developed
    1%

The geographic distribution is heavily skewed towards North America (93%), limiting exposure to potential growth in other regions. While this concentration has historically benefited investors due to the strong performance of the U.S. market, it also increases risk by tying the portfolio's fate closely to the economic health of a single region. Expanding into developed European or Asian markets could offer growth opportunities and risk mitigation through geographic diversification.

Market capitalization Info

  • Large-cap
    42%
  • Mega-cap
    37%
  • Mid-cap
    16%
  • Small-cap
    4%
  • Micro-cap
    1%

The portfolio's market capitalization exposure is well-diversified, with a healthy mix of big (42%), mega (37%), and medium (16%) cap stocks. This blend supports growth potential while offering some stability from the presence of large, established companies. However, the minimal allocation to small and micro-cap stocks limits exposure to higher-growth potential entities, which could be beneficial for a growth-oriented investor willing to accept additional risk.

Redundant positions Info

  • Vanguard Growth Index Fund ETF Shares
    Vanguard Information Technology Index Fund ETF Shares
    Invesco QQQ Trust
    High correlation

The high correlation among the Vanguard Growth Index Fund ETF Shares, Vanguard Information Technology Index Fund ETF Shares, and Invesco QQQ Trust indicates a redundancy that does not contribute to diversification. This overlap, particularly within the technology sector, amplifies risk without proportionately increasing potential returns. Reducing investment in overlapping assets could enhance the portfolio's risk-adjusted performance by broadening exposure across less correlated investments.

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 configuration presents an opportunity for optimization, especially concerning the removal of overlapping assets to improve diversification without sacrificing growth potential. Utilizing the Efficient Frontier concept could identify an asset allocation that offers the best possible risk-return ratio based on the current selection. This optimization would involve adjusting the weights of the existing assets to achieve a more efficient portfolio, considering the investor's risk tolerance and investment goals.

Dividends Info

  • Canadian National Railway Company 2.70%
  • Alphabet Inc Class C 0.40%
  • Realty Income Corporation 5.20%
  • Invesco QQQ Trust 0.50%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Global X Funds 0.20%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Weighted yield (per year) 1.41%

The portfolio's overall dividend yield of 1.41% contributes to its total return, balancing the growth focus with a stream of income. While not the primary objective, dividends offer a cushion during market downturns. The varied yields across holdings—from Realty Income Corporation's 5.20% to Alphabet Inc's modest 0.40%—highlight a strategic inclusion of income-generating assets alongside growth-oriented investments. Maintaining or slightly increasing the dividend-yielding component could enhance income without significantly detracting from growth potential.

Ongoing product costs Info

  • Invesco QQQ Trust 0.20%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Global X Funds 0.50%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.15%

The portfolio's average Total Expense Ratio (TER) of 0.15% is impressively low, maximizing the potential for net returns. Keeping costs low is crucial for long-term growth, as even small differences in fees can significantly impact investment outcomes over time. The careful selection of cost-effective ETFs demonstrates a strategic approach to portfolio construction, balancing expense with exposure. Continual monitoring of fees and considering even lower-cost options when available could further enhance returns.

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