Growth-focused portfolio with heavy tech exposure and a blend of high dividend stocks

Report created on Aug 7, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Your portfolio showcases a strong emphasis on technology stocks, with major positions in leading companies like Apple, Microsoft, and NVIDIA, accounting for a significant portion of the portfolio. The inclusion of several high-dividend ETFs and stocks from various sectors adds a layer of income generation and diversification. However, the portfolio's concentration in tech may expose you to sector-specific risks. Comparing this to a benchmark, your tech weighting is considerably higher, which could lead to volatility.

Growth Info

Historically, your portfolio has exhibited impressive growth, with a Compound Annual Growth Rate (CAGR) of 29.21%. This high rate of return is reflective of the strong performance of the tech sector in recent years. However, the maximum drawdown of -25.88% indicates periods of significant volatility, which is typical for growth-oriented portfolios with a heavy tech presence. It's important to remember that past performance is not indicative of future results, especially in a rapidly changing tech landscape.

Projection Info

Using Monte Carlo simulations, a method that forecasts potential outcomes by varying random variables within historical ranges, your portfolio shows a wide range of future performance scenarios. The median projection suggests substantial growth, but such simulations assume historical patterns continue, which may not always be the case. It's crucial to understand that these projections are hypothetical and should be one of many tools used in planning your investment strategy.

Asset classes Info

  • Stocks
    97%
  • Real Estate
    2%
  • No data
    1%

The portfolio is heavily weighted towards stocks (97%), with a minor allocation in real estate (2%) and a negligible portion unclassified. This stock-dominant mix aligns with a growth-focused strategy but carries higher volatility. Diversifying across more asset classes, like bonds or commodities, could reduce risk without significantly compromising potential returns. Your current asset class distribution is typical for investors with a higher risk tolerance seeking substantial growth.

Sectors Info

  • Technology
    42%
  • Consumer Staples
    13%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Telecommunications
    7%
  • Financials
    6%
  • Energy
    6%
  • Industrials
    3%
  • Real Estate
    2%
  • Utilities
    1%
  • Basic Materials
    1%

Your sector allocation is heavily skewed towards technology (42%), followed by consumer defensive, cyclicals, and healthcare. This concentration enhances exposure to tech sector volatility and growth potential but may increase risk during market downturns or sector-specific challenges. Balancing your sector exposure by incorporating more sectors or reducing tech concentration could mitigate some of this risk while still capturing growth opportunities.

Regions Info

  • North America
    92%
  • Asia Emerging
    5%
  • Europe Developed
    3%

Geographically, your portfolio is heavily invested in North America (92%), with minor exposure to Asia Emerging (5%) and Europe Developed (3%). This concentration in the U.S. market leverages its stability and growth potential but may limit global diversification benefits. Expanding into more international markets, especially emerging ones, could offer additional growth opportunities and risk mitigation through geographic diversification.

Market capitalization Info

  • Mega-cap
    59%
  • Large-cap
    31%
  • Mid-cap
    7%
  • Small-cap
    1%

With 59% in mega-cap stocks, your portfolio is positioned to benefit from the stability and growth potential of large, established companies. The remaining allocation includes big (31%), medium (7%), and small (1%) caps, offering a mix of stability and growth potential. Diversifying further into smaller cap stocks or adjusting allocations could enhance growth prospects but would also increase volatility and risk.

Redundant positions Info

  • Schwab U.S. Dividend Equity ETF
    Vanguard Dividend Appreciation Index Fund ETF Shares
    Vanguard High Dividend Yield Index Fund ETF Shares
    High correlation

The high correlation among your dividend-focused ETFs suggests redundancy, which may limit diversification benefits. For instance, the Schwab U.S. Dividend Equity ETF, Vanguard Dividend Appreciation, and Vanguard High Dividend Yield ETFs have overlapping holdings. Reducing exposure to similar assets could streamline your portfolio and enhance diversification without sacrificing dividend income.

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.

Optimizing your portfolio using the Efficient Frontier concept could enhance your risk-return profile. Currently, the high correlation among some assets suggests room for improvement in diversification. Before optimizing, consider reducing overlap by focusing on assets that offer unique value. This approach aims to maintain or improve returns while minimizing risk, aligning with the goal of achieving the best possible risk-return ratio.

Dividends Info

  • Apple Inc 0.50%
  • Broadcom Inc 0.80%
  • British American Tobacco p.l.c. 5.30%
  • Enterprise Products Partners LP 5.10%
  • Gilead Sciences Inc 2.80%
  • Alphabet Inc Class A 0.40%
  • iShares Core High Dividend ETF 3.40%
  • JPMorgan Equity Premium Income ETF 8.60%
  • JPMorgan Nasdaq Equity Premium Income ETF 11.30%
  • The Coca-Cola Company 2.90%
  • Altria Group 6.40%
  • Microsoft Corporation 0.60%
  • Pfizer Inc 5.30%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 12.10%
  • Taiwan Semiconductor Manufacturing 1.20%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 1.70%
  • Vanguard Real Estate Index Fund ETF Shares 3.90%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.60%
  • Weighted yield (per year) 2.61%

Your portfolio's average dividend yield of 2.61% contributes to total returns, balancing growth stocks' volatility. High-yield positions, like the JPMorgan Nasdaq Equity Premium Income ETF, provide income but may carry higher risk. Regularly reviewing dividend-yielding assets for sustainability and growth potential ensures your income strategy aligns with overall investment goals.

Ongoing product costs Info

  • iShares Core High Dividend ETF 0.08%
  • JPMorgan Equity Premium Income ETF 0.35%
  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • SHP ETF Trust - NEOS S&P 500 High Income ETF 0.68%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.06%

The portfolio's average Total Expense Ratio (TER) of 0.06% is impressively low, minimizing the drag on returns over time. Keeping costs low is crucial for long-term growth, as even small differences in fees can significantly impact returns. Your focus on cost efficiency is commendable and should continue to be a priority in portfolio management.

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