A growth-focused portfolio with a strong tilt towards US equities and value stocks

Report created on Jul 20, 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 primarily consists of ETFs, with a significant emphasis on the US stock market, represented by a 60% allocation to a broad market ETF and a 20% allocation to a US small-cap value ETF. The international exposure is achieved through a 15% allocation to a global ETF and a smaller 5% slice in international small-cap value stocks. The asset allocation showcases a clear growth orientation with a tilt towards value investing, particularly in the small-cap segment. This structure aims to capture the potential higher returns associated with value and small-cap stocks while maintaining broad market exposure.

Growth Info

Historically, the portfolio has demonstrated a strong Compound Annual Growth Rate (CAGR) of 15.22%, albeit with a significant maximum drawdown of -37.15%. This performance indicates a high growth potential but also underscores the level of risk, particularly from market volatility. The days contributing to 90% of the returns being concentrated in just 15 days highlight the unpredictability and the importance of staying invested through market cycles to capture significant gains.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, show a wide range of potential portfolio values. With the majority of simulations (967 out of 1,000) resulting in positive returns and a median projected increase of 422.1%, the forward-looking analysis supports the portfolio's growth potential. However, it's crucial to remember that these projections have limitations, as past performance is not a reliable indicator of future results.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset class distribution is heavily weighted towards stocks (99%), with a minimal cash holding (1%). This allocation aligns with the portfolio's growth profile but comes with higher volatility and risk. The absence of bonds or alternative asset classes means the portfolio may lack certain diversification benefits that could mitigate risk during stock market downturns.

Sectors Info

  • Technology
    22%
  • Financials
    19%
  • Industrials
    12%
  • Consumer Discretionary
    12%
  • Health Care
    8%
  • Telecommunications
    7%
  • Energy
    6%
  • Consumer Staples
    6%
  • Basic Materials
    4%
  • Real Estate
    2%
  • Utilities
    2%

Sector allocations show a heavy emphasis on technology and financial services, comprising 41% of the portfolio. While this sector concentration may drive higher growth, it also increases susceptibility to sector-specific risks. Diversifying across more sectors could help balance the portfolio's risk profile, especially during times when these sectors underperform.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Japan
    4%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic distribution reveals an 81% allocation to North America, significantly overweighting the US market. This concentration enhances exposure to the US economy's growth potential but also increases vulnerability to its market dynamics. Expanding international exposure, especially to emerging markets, could provide additional diversification benefits and access to faster-growing economies.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    23%
  • Mid-cap
    17%
  • Small-cap
    15%
  • Micro-cap
    12%

Market capitalization exposure is diversified across mega (31%), big (23%), medium (17%), small (15%), and micro (12%) caps. This spread across the cap spectrum supports the portfolio's growth and value strategy, as smaller companies often offer higher growth potential but with increased risk. Balancing this with larger cap stocks helps mitigate some of the volatility associated with smaller companies.

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 appears to be positioned for high growth but with corresponding risk levels. Optimization might involve adjusting the asset allocation to improve the risk-return profile. For example, increasing diversification across asset classes and geographies could potentially enhance returns for the same level of risk.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.67%

The portfolio's dividend yield, averaging 1.67%, contributes to the total return, with the international small-cap value ETF offering the highest yield at 3.80%. While dividends are not the primary focus of this growth-oriented portfolio, they provide a steady income stream and can offer some cushion during market volatility.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • 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) 0.09%

The portfolio's overall expense ratio is impressively low at 0.09%, which is beneficial for long-term growth as lower costs translate to higher net returns. The focus on low-cost ETFs is a prudent strategy, ensuring that investment costs don't erode the portfolio's performance.

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