A growth-focused portfolio with a strong tilt towards technology and U.S. equities

Report created on Jul 28, 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 heavily weighted towards U.S. equities, particularly in the technology sector, with significant positions in both broad market and tech-specific ETFs. The inclusion of individual technology stocks alongside these ETFs increases the portfolio's exposure to sector-specific risks and rewards. The presence of emerging market ETFs introduces some geographical diversification, but the overall balance remains tilted towards developed markets, primarily the U.S.

Growth Info

With a historical Compound Annual Growth Rate (CAGR) of 23.23%, the portfolio has demonstrated strong performance. This is coupled with a maximum drawdown of -37.56%, indicating significant volatility. The days contributing to 90% of returns being concentrated in just 15 days highlight the portfolio's reliance on short-term gains, which may not be sustainable over the long term.

Projection Info

Monte Carlo simulations, which use historical data to forecast a range of possible outcomes, suggest a wide variance in potential future portfolio values. While the median outcome is highly optimistic, the broad spread from the 5th to the 67th percentile underscores the high-risk nature of this portfolio. Such projections are useful for understanding potential volatility but should not be seen as guarantees of future performance.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's composition is almost entirely in stocks (99%), with a minimal cash holding. This allocation supports aggressive growth strategies but comes with higher volatility and risk. Diversification across different asset classes could provide a buffer against stock market fluctuations, potentially stabilizing returns over time.

Sectors Info

  • Technology
    44%
  • Financials
    14%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Basic Materials
    7%
  • Industrials
    6%
  • Health Care
    5%
  • Consumer Staples
    4%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    1%

The technology sector dominates the portfolio at 44%, significantly higher than typical benchmark allocations. This concentration enhances the portfolio's growth potential but also its susceptibility to sector-specific downturns. Financial services and consumer cyclicals provide some diversification, but the heavy tech focus remains a defining characteristic.

Regions Info

  • North America
    75%
  • Europe Developed
    9%
  • Asia Emerging
    8%
  • Asia Developed
    3%
  • Japan
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic allocation is heavily skewed towards North America (75%), with modest exposure to developed Europe and emerging Asian markets. This U.S.-centric approach has historically provided strong growth but may limit global diversification benefits, particularly in periods when international markets outperform the U.S.

Market capitalization Info

  • Mega-cap
    52%
  • Large-cap
    27%
  • Mid-cap
    11%
  • No data
    5%
  • Small-cap
    3%
  • Micro-cap
    1%

With over half of the portfolio in mega-cap stocks, there's a clear preference for large, established companies. This can offer stability and lower volatility compared to smaller caps but may also limit growth potential as these companies typically grow at a slower pace than their smaller counterparts.

Redundant positions Info

  • iShares Core S&P Total U.S. Stock Market ETF
    Invesco QQQ Trust
    High correlation

The high correlation between the iShares Core S&P Total U.S. Stock Market ETF and the Invesco QQQ Trust suggests redundancy in the portfolio, potentially limiting diversification benefits. Identifying and reducing overlaps can help in achieving a more efficient allocation without compromising on the growth objective.

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.

To optimize the risk-return profile, consider reducing exposure to highly correlated assets, which currently do not add diversification value. Rebalancing towards a broader mix of sectors and geographies could enhance the portfolio's resilience to sector-specific and regional downturns.

Dividends Info

  • Broadcom Inc 0.80%
  • iShares Core S&P Total U.S. Stock Market ETF 1.20%
  • JPMorgan Chase & Co. 5.80%
  • Linde plc Ordinary Shares 1.20%
  • Invesco QQQ Trust 0.40%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.38%

The portfolio's average dividend yield of 1.38% contributes to its total return, albeit modestly. Given the growth focus, dividends play a secondary role to capital appreciation. However, the high yield on JPMorgan Chase & Co. indicates some positions do offer income alongside growth potential.

Ongoing product costs Info

  • iShares Core S&P Total U.S. Stock Market ETF 0.03%
  • Invesco QQQ Trust 0.20%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

With a total expense ratio (TER) averaging 0.06%, the portfolio is cost-efficient, minimizing the drag on returns due to fees. This is particularly beneficial over the long term, as even small differences in costs can compound into significant impacts on net returns.

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