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Growth-focused portfolio with a strong tilt towards technology and high dividend stocks

Report created on Jul 21, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification
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Positions

The portfolio exhibits a pronounced emphasis on technology and dividend-paying stocks, with significant allocations in SPDR® Portfolio S&P 500 ETF, Schwab U.S. Dividend Equity ETF, and iShares Semiconductor ETF. The concentration in technology, represented by both ETFs and individual stocks like Advanced Micro Devices and Apple Inc, suggests a growth-oriented strategy. However, the heavy focus on a single sector and large-cap companies indicates a lower level of diversification, increasing potential volatility and risk exposure.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 20.93% and a maximum drawdown of -37.10%, the portfolio has demonstrated strong growth potential albeit with significant volatility. The days contributing to 90% of returns being concentrated in just 28.0 days highlight the portfolio's reliance on short-term gains, which can be risky. Comparing this performance to a diversified benchmark could help assess the balance between risk and return more accurately.

Projection Info

Monte Carlo simulations, which project future performance based on historical data, show a wide range of outcomes for this portfolio. While the median projected increase is substantial, the significant spread between the 5th and 67th percentiles underscores the high level of risk associated with the portfolio's current composition. It's important to remember that these simulations assume past performance patterns will continue, which may not always be the case.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely composed of stocks, with no allocation to bonds, cash, or other asset classes. This allocation supports a high-growth strategy but also exposes the portfolio to greater market volatility. Including a variety of asset classes can reduce risk and smooth out returns over time, especially during market downturns.

Sectors Info

  • Technology
    43%
  • Consumer Staples
    13%
  • Consumer Discretionary
    11%
  • Financials
    9%
  • Real Estate
    5%
  • Health Care
    5%
  • Energy
    5%
  • Industrials
    4%
  • Telecommunications
    3%
  • Basic Materials
    1%
  • Utilities
    1%

The sectoral allocation reveals a heavy tilt towards technology, making up 43% of the portfolio. While tech stocks have historically provided high returns, they can also be more volatile, especially in response to changes in interest rates or economic downturns. The presence of consumer defensive, cyclicals, and financial services sectors adds some balance, but the overall sector concentration could benefit from further diversification.

Regions Info

  • North America
    98%
  • Europe Developed
    1%
  • Asia Developed
    1%

Geographically, the portfolio is almost entirely invested in North America (98%), with minimal exposure to Europe and Asia. This concentration in a single region enhances exposure to country-specific risks and misses out on potential growth opportunities in emerging markets or other developed regions. Broadening geographic exposure could provide a more balanced risk-return profile.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    39%
  • Mid-cap
    13%
  • Small-cap
    2%

The portfolio's market capitalization breakdown shows a preference for mega (46%) and big (39%) cap stocks, which tend to be less volatile than smaller companies. However, this focus may limit growth potential compared to more balanced exposure that includes medium, small, or micro-cap stocks, which can offer higher growth prospects 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.

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Considering the portfolio's current risk-return profile, there's room for optimization towards the Efficient Frontier, which represents the most efficient combination of assets for the best possible risk-return ratio. Adjusting the asset allocation to include a wider range of asset classes and sectors could improve the portfolio's efficiency, potentially offering higher returns for the same level of risk.

Dividends Info

  • Apple Inc 0.50%
  • Costco Wholesale Corp 0.50%
  • Mastercard Inc 0.40%
  • Micron Technology Inc 0.30%
  • Realty Income Corporation 5.70%
  • Procter & Gamble Company 2.00%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • iShares Semiconductor ETF 0.70%
  • SPDR® Portfolio S&P 500 ETF 1.20%
  • VICI Properties Inc 5.30%
  • Weighted yield (per year) 1.57%

The portfolio's dividend yield of 1.57% is bolstered by holdings in high-dividend ETFs and stocks like Realty Income Corporation and VICI Properties Inc. This income can provide a steady cash flow and help cushion the portfolio during market dips. However, focusing too heavily on dividend yield can sometimes lead to overlooking growth opportunities in non-dividend-paying sectors.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • iShares Semiconductor ETF 0.35%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Weighted costs total (per year) 0.06%

The portfolio benefits from relatively low costs, with a total expense ratio (TER) of 0.06%. Keeping investment costs low is crucial for enhancing long-term returns, as even small differences in fees can compound significantly over time. This aspect of the portfolio is well-managed and aligns with best practices for long-term investment success.

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