A growth-focused portfolio with a strong tilt towards large-cap US equities and technology

Report created on Oct 14, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is heavily concentrated in U.S. equities, specifically within the large-cap growth and technology sectors, as evidenced by the allocation to the Schwab U.S. Large-Cap Growth ETF (40%), Vanguard S&P 500 ETF (40%), and Invesco NASDAQ 100 ETF (20%). This composition reflects a clear growth orientation but exhibits low diversity across asset classes and sectors. The heavy emphasis on large-cap stocks and notable tech sector weighting underscore a strategy aimed at capitalizing on the growth potential of major U.S. corporations.

Growth Info

Historical performance, with a Compound Annual Growth Rate (CAGR) of 16.99%, indicates strong past returns, albeit with a significant maximum drawdown of -30.36%. This drawdown points to the portfolio's vulnerability during market downturns, particularly given its concentration in growth stocks, which can be more volatile. The days contributing to 90% of returns being so few highlights the portfolio's reliance on short periods of high returns, a common characteristic of growth-focused investments.

Projection Info

Monte Carlo simulations, using historical data to forecast future outcomes, show a wide range of potential returns, with a median projected increase of 730.3%. While these simulations suggest a high potential for growth, it's important to remember that such projections are inherently uncertain and depend heavily on past market behavior, which may not predict future performance accurately.

Asset classes Info

  • Stocks
    100%

The portfolio's allocation is entirely in stocks, with no diversification into other asset classes like bonds or real estate. This singular focus enhances potential returns but also increases risk, particularly in market downturns. Diversification across asset classes can reduce volatility and provide a more stable growth trajectory over time.

Sectors Info

  • Technology
    45%
  • Telecommunications
    13%
  • Consumer Discretionary
    12%
  • Financials
    8%
  • Health Care
    8%
  • Industrials
    5%
  • Consumer Staples
    4%
  • Energy
    2%
  • Basic Materials
    1%
  • Utilities
    1%
  • Real Estate
    1%

With 45% in technology, followed by communication services and consumer cyclicals, the sector allocation further emphasizes the growth strategy. However, this concentration increases susceptibility to sector-specific risks. The underrepresentation of traditionally defensive sectors like utilities and consumer staples could limit the portfolio's resilience in bear markets.

Regions Info

  • North America
    99%

Geographic exposure is almost exclusively North American (99%), with no significant investment in developed European markets or emerging markets in Asia and Latin America. This geographic concentration in a single region, while benefiting from the robust U.S. market, limits global diversification and exposure to potential growth in other regions.

Market capitalization Info

  • Mega-cap
    55%
  • Large-cap
    30%
  • Mid-cap
    14%
  • Small-cap
    1%

The focus on mega (55%) and big (30%) cap stocks suggests a preference for established, large companies likely to offer stable returns. However, the minimal exposure to medium, small, and micro-cap stocks restricts opportunities for higher growth rates that smaller companies might offer, albeit with higher risk.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Invesco NASDAQ 100 ETF
    High correlation

The high correlation between the Schwab U.S. Large-Cap Growth ETF and Invesco NASDAQ 100 ETF indicates overlapping investments, reducing the diversification benefits of holding multiple assets. Diversification aims to spread risk across uncorrelated assets, but this portfolio's concentration in similar large-cap growth ETFs limits its effectiveness in mitigating 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 portfolio's high correlation among assets and its narrow focus on U.S. large-cap stocks, particularly in the technology sector, optimization could involve diversifying into different asset classes and regions. Using the Efficient Frontier concept could help in finding an allocation that offers the highest expected return for a given level of risk, though it's essential to note that this approach relies on historical data, which may not fully predict future outcomes.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 0.74%

The overall dividend yield stands at 0.74%, reflecting a moderate contribution to total returns. Given the growth focus of the portfolio, dividends are not a primary objective, as these funds typically reinvest earnings to fuel further growth. However, dividends can provide a steady income stream and contribute to compounding returns over time.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.06%

The portfolio's total expense ratio (TER) of 0.06% is impressively low, maximizing the potential for net returns. Keeping costs low is crucial for long-term investment success, as fees can significantly erode earnings over time. This lean cost structure is a strong point, supporting better performance.

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