A growth-oriented portfolio with a strong focus on US equities and diversified global exposure

Report created on Jul 20, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is structured with a significant emphasis on equities, comprising 100% of its allocation, with a dominant 50% in a global stock ETF and the remainder in US-centric ETFs across large-cap growth, small-cap value, dividend equities, and mid-cap value sectors. This composition indicates a growth-oriented strategy with a broad diversification across market capitalizations and sectors, albeit with a heavy tilt towards the US market. The singular focus on equities suggests a higher risk tolerance, aligned with the portfolio's growth profile.

Growth Info

Historically, the portfolio has demonstrated a robust Compound Annual Growth Rate (CAGR) of 15.17%, with a maximum drawdown of -35.54%. This performance suggests a relatively high level of volatility but rewarding returns, characteristic of equity-centric portfolios. The days contributing to 90% of returns being limited to 16.0 days highlights the impact of significant market movements on portfolio performance, underscoring the importance of staying invested through market cycles for growth investors.

Projection Info

Utilizing Monte Carlo simulation, which projects future performance based on historical data, the portfolio shows a wide range of outcomes with a median 513.8% increase, indicating potential for substantial growth. However, the simulation also reflects significant risk, as evidenced by the 5th percentile outcome of only 43.7% growth. This underscores the inherent uncertainty in equity markets and the importance of risk tolerance for investors in such a growth-focused strategy.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is heavily skewed towards stocks, with a minimal cash holding, reflecting a strategy focused on capital appreciation over liquidity or income. This allocation is appropriate for investors with a long-term horizon and a higher risk tolerance, as equities offer the potential for higher returns but come with increased volatility and risk, especially in the short term.

Sectors Info

  • Technology
    25%
  • Financials
    16%
  • Consumer Discretionary
    11%
  • Industrials
    11%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    7%
  • Energy
    6%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    2%

The sectoral allocation reveals a significant weighting in technology, financial services, and consumer cyclicals, sectors typically associated with growth but also higher volatility. The underweight positions in more defensive sectors like utilities and real estate may limit the portfolio's ability to hedge against market downturns. Investors should consider whether this sectoral distribution aligns with their risk tolerance and market outlook.

Regions Info

  • North America
    82%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic allocation underscores a strong bias towards North America, particularly the US, with limited exposure to emerging markets and other developed regions. This concentration enhances the portfolio's growth prospects but may increase vulnerability to US market fluctuations. Diversifying more into other regions could offer better risk mitigation and exposure to global growth opportunities.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    26%
  • Mid-cap
    25%
  • Small-cap
    8%
  • Micro-cap
    6%

The market capitalization breakdown shows a balanced exposure across mega, big, and medium-sized companies, with smaller allocations to small and micro-caps. This distribution suggests a blend of stability from larger companies and growth potential from smaller firms, a strategy that can offer a favorable risk-return trade-off.

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, the portfolio appears to be positioned for high returns but with corresponding high risk, typical of growth-oriented equity investments. There may be opportunities to optimize the risk-return profile by adjusting the asset allocation, particularly by incorporating assets with lower correlation to equities or by further diversifying geographically and sectorally.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Mid-Cap Value Index Fund ETF Shares 2.20%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Weighted yield (per year) 1.70%

The dividend yield across the portfolio averages 1.70%, with the highest yield from the Schwab U.S. Dividend Equity ETF. While dividends contribute to total returns, the portfolio's primary focus appears to be on capital appreciation. Investors seeking income in addition to growth might consider increasing allocations to higher-yielding assets.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Mid-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.08%

The portfolio's overall expense ratio is relatively low at 0.08%, which is beneficial for long-term growth as lower costs translate directly into higher net returns. This cost efficiency is a strong aspect of the portfolio, ensuring that more of the investment returns are retained by the investor.

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