Growth-focused portfolio with a strong tilt towards technology and consumer sectors

Report created on Oct 12, 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 the Vanguard S&P 500 ETF at 50%, with significant positions in consumer staples and mid-cap momentum ETFs, and a notable 10% allocation to Tesla Inc. This composition suggests a growth-oriented strategy with a blend of broad market exposure and specific bets on consumer behavior and technological innovation. The inclusion of the Vanguard Total International Stock Index Fund ETF at 10% provides some international diversification, though the overall geographic exposure remains predominantly North American.

Growth Info

Historical performance showcases a Compound Annual Growth Rate (CAGR) of 17.56%, with a maximum drawdown of -47.79%. These figures indicate a high growth potential, albeit with significant volatility. The days contributing to 90% of returns being concentrated in just 34 days highlight the portfolio's reliance on short, sharp gains, typical of growth-focused investments. This performance, while impressive, underscores the risk involved and the need for investors to have a high risk tolerance.

Projection Info

Using Monte Carlo simulations, which project future performance based on historical data, the portfolio shows a wide range of outcomes. The median scenario suggests an 840.3% return, with a 22.36% annualized return across all simulations. However, the presence of a 5th percentile outcome at 28.4% warns of potential periods of underperformance. While these simulations offer insight, they're based on past data and cannot guarantee future results, emphasizing the importance of ongoing risk management.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely allocated to stocks, with no diversification into other asset classes like bonds or cash. This allocation supports its growth profile but increases volatility and risk. Diversifying across asset classes can help mitigate risk without significantly compromising growth potential, especially during market downturns.

Sectors Info

  • Technology
    21%
  • Consumer Staples
    19%
  • Consumer Discretionary
    18%
  • Financials
    12%
  • Industrials
    9%
  • Health Care
    7%
  • Telecommunications
    6%
  • Energy
    3%
  • Real Estate
    2%
  • Utilities
    2%
  • Basic Materials
    2%

The sectoral allocation highlights a strong focus on technology, consumer defensive, and consumer cyclicals, making up over half of the portfolio. This concentration in sectors that can be sensitive to economic cycles may enhance growth during expansions but also increases risk during downturns. Broadening sector exposure could help stabilize returns across different market conditions.

Regions Info

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

Geographic allocation is heavily skewed towards North America (90%), with minimal exposure to international markets. This concentration benefits from the robust performance of the U.S. market but limits potential gains from global diversification. Increasing exposure to developed and emerging markets outside North America could offer additional growth opportunities and risk mitigation.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    27%
  • Mid-cap
    21%
  • Small-cap
    9%
  • Micro-cap
    1%

The portfolio's market capitalization exposure is balanced towards mega and big-cap stocks, which are generally less volatile than smaller companies. This balance supports growth while providing some level of stability. However, the inclusion of mid, small, and micro caps, although minimal, introduces additional growth avenues and diversification benefits.

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 current portfolio, while exhibiting strong growth potential, could benefit from optimization towards the Efficient Frontier. This would involve adjusting asset allocations to achieve the best possible risk-return ratio. While the portfolio's focus on growth aligns with its objectives, exploring diversification across asset classes and sectors could improve its risk-adjusted performance without significantly sacrificing growth potential.

Dividends Info

  • Vanguard Consumer Staples Index Fund ETF Shares 2.20%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 1.26%

The portfolio's dividend yield averages 1.26%, with individual yields ranging from 0.70% to 2.80%. While dividends are not the primary focus of this growth-oriented portfolio, they provide a passive income stream and can contribute to total returns, especially in volatile or down markets. Maintaining a balance between growth and income-generating assets could offer a more stable return profile.

Ongoing product costs Info

  • Vanguard Consumer Staples Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.09%

The portfolio's average Total Expense Ratio (TER) of 0.09% is impressively low, enhancing long-term return potential by minimizing cost drag. This cost efficiency is a strong aspect of the portfolio, ensuring that more of the investment's growth is retained by the investor. Continual monitoring of expenses, especially when adding or adjusting positions, remains crucial for maintaining this advantage.

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