A balanced and broadly diversified portfolio with strong tech and US market focus

Report created on Jul 31, 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 primarily consists of three ETFs: Vanguard S&P 500 ETF, Invesco NASDAQ 100 ETF, and Vanguard Total International Stock Index Fund ETF Shares, with allocations of 60%, 25%, and 15% respectively. The heavy weighting towards the S&P 500 and NASDAQ 100 ETFs indicates a strong focus on US equities, particularly in the technology sector, while the inclusion of the Vanguard Total International Stock ETF introduces global exposure. This composition suggests a strategy that leverages the growth potential of large-cap US stocks alongside diversified international investments.

Growth Info

The portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 14.84%, with a maximum drawdown of -27.37%. These figures indicate a robust performance history, with significant resilience during market downturns. The days contributing most to returns highlight the portfolio's potential for significant gains in short periods, a characteristic often seen in equity-heavy investments. This performance, however, should be viewed with the understanding that past results do not guarantee future outcomes.

Projection Info

Monte Carlo simulations, based on historical data, project a wide range of outcomes for this portfolio. With a median potential growth of 472.9% and 991 out of 1,000 simulations showing positive returns, the forward-looking analysis suggests a strong likelihood of profitable outcomes. However, it's critical to remember that these projections are hypothetical and subject to the limitations of past data's ability to predict future events.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The asset allocation is heavily skewed towards stocks (99%), with a minimal cash holding (1%). This allocation underlines the portfolio's growth-oriented strategy but also highlights its susceptibility to market volatility. Diversifying across different asset classes could provide a buffer against stock market fluctuations and enhance the portfolio's risk-return profile.

Sectors Info

  • Technology
    35%
  • Financials
    12%
  • Consumer Discretionary
    11%
  • Telecommunications
    11%
  • Health Care
    8%
  • Industrials
    8%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

Sector allocation is heavily weighted towards technology (35%), followed by financial services, consumer cyclicals, and communication services. This concentration in tech and growth sectors can drive high returns but also increases sensitivity to market corrections within these industries. Diversifying across a broader range of sectors could mitigate sector-specific risks.

Regions Info

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

Geographic distribution is predominantly in North America (85%), with modest allocations to developed Europe, Asia, and other regions. This geographic focus capitalizes on the growth and stability of the US market but may benefit from increased exposure to emerging markets and other developed regions to enhance global diversification and capture growth opportunities elsewhere.

Market capitalization Info

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

The market capitalization breakdown shows a preference for mega (48%) and big (34%) cap stocks, with limited exposure to medium, small, and micro caps. This tilt towards larger companies is conducive to stability and lower volatility but may miss out on the higher growth potential of smaller firms.

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.

Using the Efficient Frontier to optimize the portfolio suggests that while the current allocation has performed well historically, there may be opportunities to adjust asset weights to achieve a better risk-return balance. This optimization process identifies the most efficient allocation without recommending specific assets, focusing on enhancing the portfolio's overall performance potential.

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 dividend yields of the individual ETFs contribute to a total portfolio yield of 1.26%. While not the primary focus of this growth-oriented strategy, dividends offer a source of passive income and can provide a cushion during market downturns. Balancing growth and income-generating assets could further enhance the portfolio's resilience.

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 benefits from relatively low total expense ratios (TERs), averaging 0.06% across the ETFs. This cost efficiency supports better net returns over the long term, demonstrating effective fund selection in minimizing expenses.

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