Growth-focused portfolio with heavy emphasis on US technology and dividend-paying stocks

Report created on Jul 23, 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 US equities, with a significant 70% in the Vanguard S&P 500 ETF, 15% in the Invesco QQQ Trust, and 15% in the Schwab U.S. Dividend Equity ETF. This composition indicates a strong focus on growth through exposure to large-cap and technology stocks, alongside an income component via dividends. The low diversification score reflects a concentrated risk in the US market and a heavy reliance on a single asset class—stocks.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 15.07%, with a maximum drawdown of -32.74%. These figures highlight the portfolio's capacity for high returns, albeit with significant volatility. The days contributing to 90% of returns being concentrated in just 33.0 days further underscores this volatility, emphasizing the portfolio's susceptibility to sharp market movements.

Projection Info

Monte Carlo simulations, which use historical data to forecast potential outcomes, suggest a wide range of future scenarios for this portfolio. With 997 out of 1,000 simulations yielding positive returns, the median projection is an impressive 603.9% growth. However, it's crucial to note that such simulations are based on past performance, which is not a reliable indicator of future results.

Asset classes Info

  • Stocks
    100%

The portfolio's allocation is entirely in stocks, with no representation from other asset classes like bonds or real estate. This allocation supports high growth potential but also increases risk, particularly in market downturns. Diversifying across different asset classes could help mitigate some of this risk.

Sectors Info

  • Technology
    33%
  • Financials
    11%
  • Consumer Discretionary
    11%
  • Health Care
    10%
  • Telecommunications
    10%
  • Consumer Staples
    8%
  • Industrials
    8%
  • Energy
    5%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    2%

Sector-wise, the portfolio is heavily weighted towards technology (33%), followed by financial services and consumer cyclicals. This tech-heavy focus aligns with seeking growth but also increases vulnerability to sector-specific downturns. Balancing sector exposure could reduce volatility and improve resilience.

Regions Info

  • North America
    99%
  • Europe Developed
    1%

Geographically, the portfolio is almost entirely invested in North America (99%), with minimal exposure to developed Europe. This lack of international diversification can limit opportunities for global growth and increase exposure to US market fluctuations.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    38%
  • Mid-cap
    19%
  • Small-cap
    2%

The market capitalization breakdown—41% mega, 38% big, 19% medium, and 2% small—reflects a bias towards larger, more established companies. This bias can offer stability and lower volatility but may limit potential for high growth rates seen in smaller, more agile 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.

The portfolio's current allocation, heavily skewed towards growth stocks, particularly in technology, suggests it is positioned near the higher-risk end of the Efficient Frontier. This positioning implies a pursuit of maximum returns but comes with significant volatility. Adjusting the allocation to include a broader mix of asset classes and sectors could move the portfolio towards a more optimal risk-return balance.

Dividends Info

  • Invesco QQQ Trust 0.40%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.47%

The dividend yields from the Invesco QQQ Trust (0.40%), Schwab U.S. Dividend Equity ETF (3.80%), and Vanguard S&P 500 ETF (1.20%) contribute to a total yield of 1.47%. This income stream can provide a cushion during market downturns, though the portfolio's growth orientation means dividends are not its primary focus.

Ongoing product costs Info

  • Invesco QQQ Trust 0.20%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.06%

With a total expense ratio (TER) of 0.06%, the portfolio benefits from relatively low costs, enhancing long-term return potential. The individual costs of the ETFs (Invesco QQQ Trust at 0.20%, Schwab U.S. Dividend Equity ETF at 0.06%, and Vanguard S&P 500 ETF at 0.03%) are competitive, particularly for funds targeting growth and dividend income.

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