A growth-focused portfolio with strong emphasis on US and international equities

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 is predominantly invested in equities, with a heavy emphasis on the Vanguard S&P 500 ETF and the Vanguard Total International Stock Index Fund ETF, making up 90% of the holdings. The remaining 10% is allocated to the Avantis® U.S. Small Cap Value ETF. This structure suggests a growth-oriented strategy, with the S&P 500 ETF providing exposure to large-cap U.S. equities, the International Stock Index offering a broad international diversification, and the Small Cap Value ETF targeting potential growth in smaller companies.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 14.66%, the portfolio has shown strong performance historically. The maximum drawdown of -35.04% indicates the highest percentage decrease in portfolio value from peak to trough, highlighting the level of risk taken to achieve this return. It's important to remember that past performance is not indicative of future results, but this historical data suggests resilience and potential for growth, even considering market volatilities.

Projection Info

The Monte Carlo simulation, which uses historical data to project potential future outcomes, shows a wide range of possibilities for this portfolio, with a median projected increase of 452%. While simulations can provide insight into potential volatility and growth, they are based on past market behavior and cannot predict future market movements with certainty. This underscores the importance of understanding the inherent uncertainties in any investment strategy.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's allocation is heavily skewed towards stocks, with a 99% investment in equities and a minimal cash holding. This allocation is consistent with a growth-oriented investment strategy, aiming for higher returns at the expense of higher risk. The lack of diversification into other asset classes like bonds or real estate may increase volatility, but it aligns with the portfolio's growth objectives.

Sectors Info

  • Technology
    24%
  • Financials
    18%
  • Consumer Discretionary
    11%
  • Industrials
    11%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

The sector allocation shows a significant tilt towards technology and financial services, which are sectors that can offer substantial growth but also come with higher volatility. The presence in consumer cyclicals and industrials further supports the growth orientation but may increase sensitivity to economic cycles. Diversifying across more defensive sectors could provide stability during market downturns.

Regions Info

  • North America
    72%
  • Europe Developed
    12%
  • Asia Emerging
    5%
  • Japan
    5%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic diversification is achieved through significant exposure to North America and developed European markets, with smaller positions in emerging markets and Asia. This global exposure helps mitigate the risk of regional economic downturns affecting the entire portfolio. However, the relatively low exposure to emerging markets may limit potential high-growth opportunities in these regions.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    30%
  • Mid-cap
    16%
  • Small-cap
    6%
  • Micro-cap
    5%

The market capitalization breakdown shows a balanced exposure across mega, big, and medium-sized companies, with a smaller allocation towards small and micro-caps. This blend supports a growth strategy while providing a measure of stability from larger, more established companies. The presence in small and micro-cap stocks offers potential for higher growth, albeit with increased risk.

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 Efficient Frontier analysis could indicate whether the current asset allocation is optimized for the best possible risk-return ratio. Given the portfolio's growth focus and diversified equity exposure, it's likely positioned towards the higher end of the risk-return spectrum. Adjusting allocations could potentially offer a more favorable balance, but this would need to be carefully weighed against the investor's growth objectives and risk tolerance.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.73%

The dividend yields from the ETFs contribute to the portfolio's total return, with the Total International Stock Index Fund ETF offering the highest yield. While dividends are not the primary focus of this growth-oriented strategy, they provide a steady income stream and can be reinvested for compound growth, enhancing long-term returns.

Ongoing product costs Info

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

The portfolio benefits from low costs, with a total expense ratio (TER) of 0.06%, which is impressively low for such a diversified strategy. Lower costs directly translate to higher net returns for investors, making this portfolio more efficient in terms of cost management. Keeping costs minimal is crucial for maximizing long-term investment growth.

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