Growth-focused portfolio with a heavy tilt towards US large-cap stocks and healthcare

Report created on Aug 20, 2025

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This portfolio is predominantly invested in US large-cap growth stocks, with a significant 70% allocation to a single ETF focusing on this segment. The inclusion of specific stocks and sector-focused ETFs in healthcare and consumer staples, alongside a minimal international exposure, indicates a strategic emphasis on growth within stable sectors. However, the concentration in a few assets and sectors suggests limited diversification, which could expose the portfolio to sector-specific risks and volatility.

Growth Info

With a historical Compound Annual Growth Rate (CAGR) of 25.25% and a maximum drawdown of -34.34%, the portfolio has demonstrated strong growth potential albeit with significant volatility. The days contributing most to returns highlight the portfolio's susceptibility to short-term market movements. While past performance is impressive, investors should consider the potential for high volatility and the impact of market downturns on concentrated portfolios.

Projection Info

Monte Carlo simulations, projecting 1,000 different market scenarios, show a wide range of potential outcomes, from a 5th percentile loss of -31.0% to a 67th percentile gain of 1,373.5%. This variance underscores the high-risk, high-reward nature of the portfolio. While the average annualized return of 24.32% is attractive, the broad range of outcomes highlights the importance of risk tolerance in assessing suitability.

Asset classes Info

  • Stocks
    100%

The portfolio's allocation is solely in stocks, lacking in bonds, real estate, or alternative investments that could provide income or act as a hedge against stock market volatility. This concentration in stocks, particularly in growth-oriented large caps, aligns with the portfolio's growth focus but limits diversification benefits and increases exposure to market fluctuations.

Sectors Info

  • Technology
    36%
  • Consumer Staples
    21%
  • Health Care
    11%
  • Telecommunications
    10%
  • Consumer Discretionary
    9%
  • Financials
    6%
  • Industrials
    4%
  • Basic Materials
    1%
  • Energy
    1%

The sectoral allocation shows a heavy tilt towards technology, consumer defensive, and healthcare, which are sectors known for their growth potential but also for their sensitivity to market cycles and interest rate changes. While the focus on these sectors can offer significant growth opportunities, it also increases the portfolio's risk profile, especially during economic downturns or sector-specific shocks.

Regions Info

  • North America
    95%
  • Europe Developed
    2%
  • Asia Emerging
    1%
  • Japan
    1%
  • Asia Developed
    1%

With 95% of assets allocated to North America, primarily the US, the portfolio exhibits a strong home bias. The minimal exposure to international markets, especially emerging markets, limits the portfolio's diversification and its potential to capitalize on global growth trends. Expanding geographic diversification could reduce risk and improve returns over the long term.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    38%
  • Mid-cap
    12%
  • Small-cap
    2%

The market capitalization breakdown emphasizes mega and large-cap stocks, which typically offer stability and growth but can also limit upside potential during bull markets, as smaller companies often outperform in such periods. The small allocation to medium and small-cap stocks may restrict diversification and growth opportunities outside of the large-cap space.

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 current allocation shows room for optimization towards the Efficient Frontier, which could improve the risk-return profile. Adjusting the asset allocation to introduce non-correlated assets or to rebalance sector and geographic exposures could enhance diversification and potentially lead to better risk-adjusted returns without necessarily sacrificing growth potential.

Dividends Info

  • iShares U.S. Healthcare ETF 1.30%
  • iShares US Consumer Staples ETF 2.40%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 0.60%

The portfolio's overall dividend yield is relatively low, reflecting its growth orientation. While growth stocks offer the potential for capital appreciation, the low yield indicates limited income generation, which could be a drawback for investors seeking regular income streams. Considering assets with higher dividend yields might offer a balanced approach to growth and income.

Ongoing product costs Info

  • iShares U.S. Healthcare ETF 0.40%
  • iShares US Consumer Staples ETF 0.40%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.07%

The portfolio's total expense ratio (TER) is impressively low, enhancing its attractiveness by minimizing the drag on returns due to costs. This cost efficiency is particularly beneficial in growth-oriented portfolios where the compounding of returns plays a crucial role in wealth accumulation over time.

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