A growth-focused portfolio with a strong emphasis on US markets and technology sector

Report created on Aug 19, 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 US-based equities, comprising 80% of its allocation with a significant emphasis on the S&P 500 and the total US stock market. The remaining 20% is allocated to international stocks, providing a degree of global exposure. The asset class distribution is almost entirely in stocks, with a minimal cash reserve, indicating a growth-oriented strategy. The sectoral allocation shows a strong preference for technology, financial services, and consumer cyclicals, reflecting a bet on sectors that typically offer higher growth potential but also come with increased volatility.

Growth Info

Historically, this portfolio has demonstrated robust performance with a Compound Annual Growth Rate (CAGR) of 17.93% and a maximum drawdown of -32.99%. The days contributing most significantly to returns highlight the portfolio's sensitivity to market highs and lows, underscoring its growth-focused nature. While past performance is encouraging, it's crucial to remember that it does not guarantee future results, especially given the portfolio's high-risk score.

Projection Info

Monte Carlo simulations, which use historical data to forecast potential future outcomes, suggest a wide range of possible performances for this portfolio. With a median projected growth of 701% and 999 out of 1,000 simulations showing positive returns, the forward-looking scenario appears optimistic. However, the broad spread between the 5th and 67th percentiles highlights the uncertainty and risk inherent in this growth-focused strategy.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's nearly exclusive investment in stocks aligns with its growth profile but comes with higher volatility and risk compared to more diversified asset class allocations. This concentration in equities is suitable for investors with a higher risk tolerance and a long-term investment horizon, as it may experience significant short-term fluctuations.

Sectors Info

  • Technology
    26%
  • Financials
    18%
  • Consumer Discretionary
    12%
  • Telecommunications
    11%
  • Industrials
    11%
  • Consumer Staples
    7%
  • Health Care
    6%
  • Energy
    3%
  • Utilities
    3%
  • Real Estate
    2%
  • Basic Materials
    2%

The technology sector's prominence in this portfolio, along with substantial allocations to financial services and consumer cyclicals, positions it for potential high growth. However, this sectoral concentration increases vulnerability to sector-specific downturns. Diversifying across a broader range of sectors could help mitigate this risk.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

With 81% of assets in North America and limited exposure to emerging markets and other developed regions, the portfolio's geographic distribution leans heavily towards US equities. This focus has historically offered strong growth opportunities but also concentrates geographic risk, potentially missing out on gains from other global markets.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    31%
  • Mid-cap
    16%
  • Small-cap
    3%
  • Micro-cap
    1%

The distribution across market capitalizations, with a bias towards mega and large-cap stocks, suggests a preference for established, potentially less volatile companies. However, the inclusion of medium, small, and micro-cap stocks introduces growth potential, albeit with added 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 Efficient Frontier, there may be opportunities to optimize the portfolio for a better risk-return ratio without significantly altering the current asset allocation. Adjusting the weights of the existing assets could potentially offer improved diversification and risk management, aligning the portfolio more closely with the investor's risk tolerance and return expectations.

Dividends Info

  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.26%

The dividend yields from the three ETFs contribute to the portfolio's total income, with the international fund offering the highest yield. While dividends provide a steady income stream, the portfolio's primary focus appears to be on capital appreciation given its growth orientation and sector choices.

Ongoing product costs Info

  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.07%

The portfolio's overall cost, represented by the Total Expense Ratio (TER) of 0.07%, is impressively low, which is beneficial for long-term growth by minimizing the drag on returns. Keeping costs low is a sound strategy for enhancing portfolio performance over time.

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