Growth-focused portfolio with heavy tech exposure and low international diversification

Report created on Jul 31, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is predominantly invested in stocks, with a significant portion allocated to technology through individual stocks and ETFs. The heavy reliance on S&P 500 and total market ETFs suggests a strong focus on the US market, with minimal exposure to international assets. The inclusion of a single tech company stock alongside multiple tech-centric ETFs indicates a concentration risk in the technology sector, despite the apparent diversification across various ETFs.

Growth Info

Historically, this portfolio has shown an impressive Compound Annual Growth Rate (CAGR) of 24.94%, with a maximum drawdown of -34.77%. The days contributing to 90% of the returns highlight the volatility and the significant impact of a few key trading days. When compared to a diversified benchmark, this performance suggests high growth potential but comes with considerable risk, especially during market downturns.

Projection Info

Monte Carlo simulations, which use historical data to forecast future performance under various scenarios, project a wide range of outcomes for this portfolio. The 50th percentile outcome suggests a potential return of 1,759.8% over the simulation period. However, the wide spread between the 5th and 67th percentiles indicates significant uncertainty, emphasizing the portfolio's high-risk profile.

Asset classes Info

  • Stocks
    100%

The portfolio's asset allocation is entirely in stocks, with no presence in bonds, cash, or alternative investments. This allocation supports a growth-oriented strategy but lacks the balance that other asset classes could provide, especially in terms of risk mitigation and income generation through interest or dividends.

Sectors Info

  • Technology
    43%
  • Financials
    11%
  • Consumer Discretionary
    10%
  • Telecommunications
    9%
  • Health Care
    8%
  • Industrials
    7%
  • Consumer Staples
    5%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%
  • Basic Materials
    2%

Technology dominates the sector allocation at 43%, followed by financial services and consumer cyclicals. This heavy tech weighting enhances growth potential but increases susceptibility to sector-specific downturns. The underrepresentation of traditionally defensive sectors like utilities and consumer staples further tilts the portfolio towards higher volatility.

Regions Info

  • North America
    98%
  • Europe Developed
    1%

Geographic exposure is overwhelmingly North American at 98%, with a negligible presence in other regions. This concentration benefits from the robust performance of the US market but misses out on potential gains and diversification benefits from developed and emerging markets elsewhere.

Market capitalization Info

  • Mega-cap
    51%
  • Large-cap
    29%
  • Mid-cap
    15%
  • Small-cap
    4%

The portfolio favors mega and large-cap stocks, which typically offer stability and consistent returns but may limit growth potential compared to mid or small-cap investments. The allocation reflects a preference for well-established companies, aligning with the portfolio’s growth but not aggressive growth strategy.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Vanguard S&P 500 ETF
    Schwab U.S. Broad Market ETF
    SPDR® Portfolio S&P 500 ETF
    Vanguard Information Technology Index Fund ETF Shares
    Invesco QQQ Trust
    Vanguard Growth Index Fund ETF Shares
    iShares Core S&P 500 ETF
    SPDR® Portfolio S&P 500 Growth ETF
    SPDR S&P 500 ETF Trust
    High correlation

The high correlation among the ETFs, especially those tracking the S&P 500 and technology sectors, indicates redundancy. This redundancy limits the portfolio's diversification benefits, as these assets are likely to respond similarly to market changes, concentrating risk rather than spreading it.

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.

To optimize risk versus return, consider reducing overlap among highly correlated assets, particularly within the S&P 500 and technology-focused ETFs. This adjustment would not only streamline the portfolio but potentially enhance its diversification. Exploring opportunities for including international and alternative asset classes could also improve the portfolio's overall risk-return profile.

Dividends Info

  • JPMorgan BetaBuilders U.S. Mid Cap Equity ETF 1.30%
  • iShares Core S&P 500 ETF 1.30%
  • Invesco QQQ Trust 0.50%
  • Schwab U.S. Broad Market ETF 1.20%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • SPDR® Portfolio S&P 500 ETF 1.20%
  • SPDR S&P 500 ETF Trust 1.10%
  • SPDR® Portfolio S&P 500 Growth ETF 0.60%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.02%

The portfolio's overall dividend yield is modest at 1.02%, reflecting its growth-focused strategy over income generation. While dividends contribute to total returns, the emphasis here is clearly on capital appreciation, which aligns with the portfolio's risk and return profile.

Ongoing product costs Info

  • JPMorgan BetaBuilders U.S. Mid Cap Equity ETF 0.07%
  • iShares Core S&P 500 ETF 0.03%
  • Invesco QQQ Trust 0.20%
  • Schwab U.S. Broad Market ETF 0.03%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • SPDR S&P 500 ETF Trust 0.10%
  • SPDR® Portfolio S&P 500 Growth ETF 0.04%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

The portfolio's total expense ratio (TER) averages to 0.05%, which is relatively low, minimizing the drag on returns due to costs. This efficiency is commendable, as lower costs can significantly enhance long-term growth by allowing more of the investment's return to compound over time.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey