Growth-oriented portfolio with a strong focus on US equities and a speculative position in Bitcoin

Report created on Jul 18, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

The portfolio is predominantly invested in U.S. equities, with a significant allocation towards the Vanguard S&P 500 ETF and the Schwab U.S. Dividend Equity ETF, making up 90% of the portfolio. The inclusion of the Grayscale Bitcoin Trust adds a speculative element, diversifying into digital assets. This composition indicates a growth-focused strategy, albeit with a conservative backbone through blue-chip and dividend-paying stocks. The heavy concentration in U.S. assets and the blend of growth and income-generating investments reflect a single-focused diversification strategy.

Growth Info

Historically, the portfolio has shown a Compound Annual Growth Rate (CAGR) of 21.54%, which is impressive. However, the maximum drawdown of -81.39% highlights significant volatility, likely exacerbated by the Bitcoin position. The days contributing to 90% of returns being concentrated in 36.0 days suggest that the portfolio's performance is heavily reliant on short bursts of significant gains, which is characteristic of high-growth but volatile investments.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with a median increase of 4,982.2%, which underscores the portfolio's high-growth potential. However, the substantial variance between the 5th and 67th percentiles indicates a high risk level. While 977 out of 1,000 simulations show positive returns, the dramatic range suggests potential for both significant gains and losses, emphasizing the speculative nature of this portfolio's composition.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

The asset class distribution, with 90% in stocks and 10% in "other" (primarily the Bitcoin Trust), indicates a strong preference for equity investments, aligning with a growth-oriented strategy. The absence of bonds or cash holdings underscores a higher risk tolerance, as these asset classes typically provide stability and liquidity to a portfolio.

Sectors Info

  • Technology
    23%
  • Financials
    11%
  • Health Care
    10%
  • Consumer Discretionary
    9%
  • Consumer Staples
    9%
  • Industrials
    8%
  • Energy
    8%
  • Telecommunications
    7%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    1%

Sector allocation shows a heavy emphasis on technology, financial services, and healthcare, which are sectors often associated with growth but also with higher volatility. The technology sector, in particular, can be susceptible to market sentiment and regulatory changes, influencing portfolio performance significantly.

Regions Info

  • North America
    90%

The geographic allocation is heavily skewed towards North America, with 90% of assets invested in this region. This concentration increases exposure to U.S. market risks but misses out on potential gains from developed European or Asian markets, not to mention emerging markets, which could offer diversification benefits and growth opportunities.

Market capitalization Info

  • Large-cap
    38%
  • Mega-cap
    28%
  • Mid-cap
    21%
  • Small-cap
    2%

The market capitalization breakdown reveals a focus on big and mega-cap stocks, which are typically more stable and less volatile than smaller companies. This allocation could provide a counterbalance to the portfolio's speculative Bitcoin position, offering some degree of stability amidst the portfolio's overall high-risk profile.

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's current allocation suggests a positioning for high returns but with substantial risk, primarily due to the speculative nature of the Bitcoin investment. Adjusting the asset allocation to introduce more non-correlated assets or stable income-generating investments could optimize the risk-return profile, potentially moving the portfolio closer to the Efficient Frontier's optimal curve.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.86%

The dividend yield from the Schwab U.S. Dividend Equity ETF and the Vanguard S&P 500 ETF contributes to the portfolio's income generation, providing a yield of 1.86%. This income can offer a buffer against volatility and contribute to total returns, especially in market downturns or periods of slow growth.

Ongoing product costs Info

  • Grayscale Bitcoin Trust (BTC) 1.50%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.19%

The Total Expense Ratio (TER) of 0.19% is relatively low, enhancing the portfolio's attractiveness by minimizing costs. The Grayscale Bitcoin Trust's higher fees are a notable exception, but the overall cost structure supports efficient long-term growth by reducing the drag on performance.

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