Growth-focused portfolio with strong US equity presence and moderate international exposure

Report created on Oct 19, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is heavily weighted towards US equities, comprising 75% of the allocation with a significant focus on large-cap stocks through the Vanguard S&P 500 ETF and Schwab U.S. Large-Cap Growth ETF. The inclusion of the Avantis® U.S. Small Cap Value ETF and Schwab U.S. Dividend Equity ETF introduces small-cap exposure and dividend-yielding stocks, respectively, adding a layer of diversification. However, the international diversification is somewhat limited, with only a 10% allocation to the Vanguard Total International Stock Index Fund ETF Shares. This composition suggests a growth-oriented strategy with a moderate level of diversification.

Growth Info

Historically, the portfolio has demonstrated a strong performance with a Compound Annual Growth Rate (CAGR) of 16.58%. The maximum drawdown of -35.14% indicates the portfolio's vulnerability during market downturns, which is typical for growth-focused investments. The days contributing to 90% of returns being concentrated in just 18 days highlights the portfolio's reliance on significant market movements for gains. This performance analysis underscores the importance of understanding the volatility and risks associated with a growth-oriented investment strategy.

Projection Info

Monte Carlo simulations, which use historical data to project potential future outcomes, show a wide range of possible performances for this portfolio. With 984 out of 1,000 simulations producing positive returns, the portfolio appears to have a strong likelihood of future growth. However, the significant variance between the 5th and 67th percentiles (57.3% to 823.7%) illustrates the uncertainty and risk involved. These projections serve as a reminder that while historical performance can guide expectations, it does not guarantee future results.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely invested in stocks, aligning with its growth profile but also exposing it to higher volatility and risk compared to portfolios with more diversified asset classes such as bonds or real estate. This lack of diversification across asset classes could lead to higher fluctuations in value, particularly in turbulent market conditions. Investors might consider incorporating other asset classes to mitigate risk while still aiming for growth.

Sectors Info

  • Technology
    28%
  • Financials
    14%
  • Consumer Discretionary
    12%
  • Industrials
    9%
  • Health Care
    9%
  • Telecommunications
    9%
  • Energy
    7%
  • Consumer Staples
    7%
  • Basic Materials
    3%
  • Utilities
    1%
  • Real Estate
    1%

Sector allocation is concentrated in technology (28%), financial services (14%), and consumer cyclicals (12%), reflecting a typical growth-oriented strategy. This concentration in high-growth sectors can offer significant upside during bull markets but may also increase the portfolio's sensitivity to sector-specific downturns. Diversifying across a broader range of sectors could help smooth returns over time.

Regions Info

  • North America
    90%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%

With 90% of assets allocated to North America, the portfolio's geographic exposure is heavily skewed towards the US market. This concentration enhances exposure to the US economic cycle, while the limited international exposure (10%) may reduce potential benefits from global diversification. Expanding the international allocation could provide a better balance between US and non-US markets, potentially reducing risk and capturing growth opportunities globally.

Market capitalization Info

  • Mega-cap
    36%
  • Large-cap
    30%
  • Mid-cap
    17%
  • Small-cap
    9%
  • Micro-cap
    8%

The market capitalization breakdown shows a preference for mega (36%) and big (30%) cap stocks, indicative of a focus on stability and growth potential of large companies. While medium, small, and micro caps represent a smaller portion of the portfolio, they introduce higher growth potential albeit with increased risk. A more balanced allocation across different market caps could provide a smoother risk-return profile.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The high correlation between the Vanguard S&P 500 ETF and Schwab U.S. Large-Cap Growth ETF suggests redundancy that may not contribute to diversification. Since these assets tend to move together, the portfolio may not be as diversified as intended during market downturns. Reducing overlap by reallocating from one of these ETFs to underrepresented areas could enhance the portfolio's diversification and risk management.

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.

Optimizing the portfolio using the Efficient Frontier could further improve the risk-return ratio by adjusting the allocation among the current assets. This involves reducing exposure to highly correlated assets and potentially increasing diversification across different sectors, geographies, and market caps. Such optimization seeks to achieve the best possible balance between risk and return, tailored to the investor's risk tolerance.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Schwab U.S. Dividend Equity ETF 3.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.68%

The portfolio's dividend yield of 1.68% contributes to its total return, providing a steady income stream in addition to potential capital gains. The Schwab U.S. Dividend Equity ETF, with a yield of 3.90%, is a significant contributor. While dividends are an important aspect of total returns, especially in growth-focused portfolios, investors should also consider the growth potential of reinvesting dividends.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.07%

The portfolio's overall expense ratio (TotalTER) of 0.07% is impressively low, which is beneficial for long-term growth as it minimizes the drag on performance caused by fees. Keeping costs low is crucial for enhancing returns over time, and this portfolio does well in maintaining efficiency in this regard.

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