A growth-focused portfolio with a strong tilt towards technology and global equities

Report created on Oct 11, 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 structured with a clear emphasis on equity investments, allocating 55% to the Vanguard Total Stock Market Index Fund ETF Shares, 25% to the Vanguard Total International Stock Index Fund ETF Shares, 15% to the Vanguard Information Technology Index Fund ETF Shares, and 5% to the Vanguard Small-Cap Value Index Fund ETF Shares. The heavy weighting towards stocks, particularly in technology, underlines a growth-oriented strategy. The diversification across both U.S. and international stocks is commendable, though the portfolio's heavy tilt towards technology sectors suggests a higher risk and potential for volatility.

Growth Info

The portfolio has shown a Compound Annual Growth Rate (CAGR) of 14.44%, with a maximum drawdown of -34.40%. The days contributing to 90% of returns being concentrated in 34.0 days highlight the portfolio's performance is significantly impacted by short periods of high returns. This volatility is characteristic of growth-focused portfolios, especially those with substantial allocations to technology and equities. While past performance is impressive, it's important to remember that it does not guarantee future results.

Projection Info

Utilizing Monte Carlo simulations, which project potential outcomes based on historical data, the portfolio's future performance varies widely. With key percentiles showing a broad range of outcomes, from a 67.3% increase in the 5th percentile to a 789.3% increase in the 67th percentile, it underscores the inherent uncertainties in market movements. These projections, while informative, should be viewed with caution as they rely on past trends that may not predict future movements accurately.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset class distribution is heavily skewed towards stocks, with a 99% allocation, leaving a minimal cash reserve of 1%. This allocation aligns with the portfolio's growth profile but comes with higher market risk. Diversification across different asset classes could provide a buffer against market volatility, suggesting a potential area for adjustment depending on the investor's risk tolerance.

Sectors Info

  • Technology
    37%
  • Financials
    14%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Health Care
    7%
  • Telecommunications
    7%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    3%
  • Real Estate
    3%
  • Utilities
    2%

Sector allocation is heavily weighted towards technology at 37%, followed by financial services and industrials. This concentration in technology not only drives the portfolio's growth potential but also its risk profile, as tech stocks can be more volatile. The presence of diverse sectors like healthcare and consumer cyclicals adds some balance, but the tech dominance is a significant factor in the portfolio's performance characteristics.

Regions Info

  • North America
    77%
  • Europe Developed
    10%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic distribution shows a strong North American focus at 77%, with diversified exposure across developed Europe, emerging Asia, and other regions. This global exposure enhances diversification, reducing the risk associated with any single market. However, the relatively low allocation to emerging markets may limit exposure to high-growth opportunities outside of the developed world.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    28%
  • Mid-cap
    18%
  • Small-cap
    9%
  • Micro-cap
    2%

The portfolio's market capitalization spread, with 42% in mega, 28% in big, 18% in medium, 9% in small, and 2% in micro-cap stocks, indicates a balanced approach, leaning towards larger, more stable companies. This mix supports the portfolio's growth ambitions while mitigating some risks associated with smaller, potentially more volatile investments.

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, which suggests the optimal risk-return balance, the portfolio could potentially be optimized for a better risk-return ratio by adjusting the allocation among the current assets. While the current setup is growth-focused, slight adjustments could enhance returns for the same level of risk or reduce risk without significantly compromising potential returns.

Dividends Info

  • Vanguard Small-Cap Value Index Fund ETF Shares 2.10%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.47%

The portfolio's dividend yield stands at an overall 1.47%, with the highest yield from the Vanguard Total International Stock Index Fund ETF Shares at 2.80%. While growth-focused portfolios often de-emphasize dividends in favor of capital appreciation, this yield contributes to the portfolio's total return, providing a stream of income alongside potential price gains.

Ongoing product costs Info

  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • 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) 0.05%

With a total Expense Ratio (TER) of 0.05%, the portfolio benefits from low costs, maximizing the potential for net returns over the long term. This efficiency is crucial for growth strategies, where compounding plays a significant role. Keeping costs low while maintaining a focused growth strategy is an excellent practice.

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