A growth-oriented portfolio with a strong tech emphasis and global exposure

Report created on Oct 16, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is primarily composed of three ETFs, focusing on the S&P 500, tech-heavy QQQ, and international stocks, with a significant allocation towards technology. The 50% investment in the Vanguard S&P 500 ETF provides broad exposure to the largest U.S. companies, while the 25% in Invesco QQQ Trust emphasizes tech giants. The remaining 25% in Vanguard Total International Stock Index Fund ETF Shares offers diversification outside the U.S. This mix suggests a growth-oriented strategy with a bias towards technology and U.S. markets.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 15.00%, with a maximum drawdown of -31.97%. The days contributing most to returns highlight the portfolio's vulnerability to short-term volatility but also its capacity for significant growth. This performance, especially the high CAGR, aligns with the growth profile of the portfolio, indicating strong past returns but not without considerable risk.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, show a wide range of potential future values for this portfolio. The key percentiles suggest a substantial upside, with a median projected increase of over 500%. However, the broad spread, from the 5th to the 67th percentile, underscores the inherent uncertainty in these projections. It's crucial to remember that such simulations are based on past data and cannot guarantee future results.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is heavily skewed towards stocks, with a 99% allocation, and a minimal cash position. This high equity exposure is typical for growth-oriented portfolios, aiming for higher returns at the expense of increased volatility. The lack of diversification into other asset classes, such as bonds or real estate, might increase risk during market downturns.

Sectors Info

  • Technology
    35%
  • Financials
    13%
  • Consumer Discretionary
    11%
  • Telecommunications
    10%
  • Industrials
    9%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

With 35% allocated to technology, followed by financial services and consumer cyclicals, the sectoral distribution underscores the portfolio's growth focus. Technology's dominance, however, may increase susceptibility to sector-specific risks. Balancing with sectors that have different economic sensitivities could reduce volatility without significantly compromising growth potential.

Regions Info

  • North America
    76%
  • Europe Developed
    10%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic allocation heavily favors North America, with significant exposures to developed Europe and emerging Asia. This reflects a balanced approach between the stability of developed markets and the growth potential of emerging markets. However, the portfolio might benefit from increasing its relatively low exposure to emerging markets, potentially enhancing diversification and return prospects.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    33%
  • Mid-cap
    16%
  • Small-cap
    1%

The portfolio's emphasis on mega and big cap stocks (82% combined) aligns with its growth and stability objectives, given these companies' typically lower volatility compared to smaller caps. However, this concentration might limit opportunities for outsized growth from smaller companies, which can offer higher returns albeit with higher risk.

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, this portfolio appears well-positioned for growth-focused investors, offering a favorable risk-return profile based on current allocations. However, the potential for optimization exists, particularly in enhancing diversification across asset classes and sectors to improve the risk-adjusted return. Adjustments should aim to maintain the growth orientation while mitigating volatility through broader diversification.

Dividends Info

  • Invesco QQQ Trust 0.40%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.40%

The overall dividend yield of 1.40% reflects a balance between growth and income, with the international fund contributing a higher yield. This yield supports total returns but is secondary to capital appreciation in the portfolio's strategy. Investors should consider whether the current yield aligns with their income needs or if adjustments are necessary to meet those goals.

Ongoing product costs Info

  • Invesco QQQ Trust 0.20%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.08%

The portfolio's total expense ratio (TER) of 0.08% is impressively low, enhancing its long-term return potential by minimizing cost drag. This cost efficiency is particularly advantageous for a growth-oriented portfolio, where the compound effect of costs can be significant over time.

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