A growth-focused portfolio with a blend of global and US equities and an emphasis on technology
Report created on Jul 21, 2025Risk profile
5/7
Diversification profile
4/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 30.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
VO Vanguard Mid-Cap Value Index Fund ETF Shares
VOE - US9229085124 10.00%
This portfolio strategically allocates 60% to broad market ETFs, covering both US and international stocks, complemented by targeted investments in US large-cap growth, mid-cap value, and small-cap value ETFs. This structure aims to capture growth across different market caps and geographies, with a slight tilt towards growth-oriented assets. The blend of value and growth strategies across various market capitalizations suggests an attempt to balance risk and return, leveraging the potential upside of growth stocks while cushioning against market volatility with value stocks.
Growth
With a Compound Annual Growth Rate (CAGR) of 14.99% and a maximum drawdown of -35.83%, the portfolio demonstrates strong growth potential tempered by significant volatility. The days contributing to 90% of returns being concentrated in 16.0 days highlights the portfolio's susceptibility to short-term market movements. This performance, alongside the risk score of 5 out of 7, indicates a growth-oriented strategy that has historically navigated market fluctuations successfully, albeit with higher volatility.
Projection
Monte Carlo simulations, using 1,000 iterations, forecast a wide range of outcomes with a median annualized return of 16.29%. The projections suggest a robust potential for growth, with a significant majority of simulations (983 out of 1,000) resulting in positive returns. However, the wide spread between the 5th and 67th percentiles underscores the inherent uncertainty and risk involved, emphasizing the need for investors to be prepared for various market scenarios.
Asset classes
- Stocks 99%
- Cash 1%
The portfolio's asset allocation is heavily skewed towards stocks (99%), with a minimal cash reserve (1%). This allocation underscores a strong growth orientation and high risk tolerance, as equities offer higher potential returns compared to other asset classes but also come with increased volatility. The lack of diversification into bonds or alternative investments may expose the portfolio to higher market risk, particularly in turbulent times.
Sectors
- Technology 25%
- Financials 17%
- Industrials 11%
- Consumer Discretionary 11%
- Health Care 8%
- Telecommunications 8%
- Consumer Staples 5%
- Energy 5%
- Basic Materials 4%
- Utilities 3%
- Real Estate 3%
With significant allocations to technology (25%) and financial services (17%), the portfolio is positioned to benefit from growth in these sectors. However, this concentration also exposes it to sector-specific risks, such as regulatory changes or economic downturns affecting these industries disproportionately. The presence of industrials, consumer cyclicals, and healthcare provides some diversification, but the heavy weighting in technology suggests a conviction in its continued outperformance.
Regions
- North America 72%
- Europe Developed 12%
- Asia Emerging 5%
- Japan 5%
- Asia Developed 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
The geographic distribution shows a strong bias towards North America (72%), which reflects a common home country bias among US investors. While the portfolio includes international exposure (28%), the allocation might not fully capture the potential growth and diversification benefits available in emerging markets and other developed regions. This concentration increases the portfolio's vulnerability to regional economic cycles and geopolitical risks.
Market capitalization
- Mega-cap 38%
- Mid-cap 23%
- Large-cap 23%
- Small-cap 8%
- Micro-cap 6%
The distribution across market capitalizations, with a focus on mega (38%) and medium (23%) cap stocks, suggests a balance between seeking the stability of large companies and the growth potential of mid-sized firms. The inclusion of small (8%) and micro (6%) caps introduces higher growth potential but also adds volatility and risk. This blend indicates an attempt to harness growth across the spectrum while managing risk through diversification.
Redundant positions
-
High correlationVanguard Total Stock Market Index Fund ETF SharesSchwab U.S. Large-Cap Growth ETF
The high correlation observed between the Vanguard Total Stock Market Index Fund ETF Shares and the Schwab U.S. Large-Cap Growth ETF indicates overlapping holdings that may not provide the intended diversification benefits. This redundancy can amplify risk during market downturns, as these assets are likely to move in tandem. Reducing overlap by diversifying into less correlated assets could enhance the portfolio's resilience.
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 allocation shows room for optimization by addressing the high correlation between certain assets. Moving towards the Efficient Frontier can improve the risk-return profile by reallocating assets to reduce overlap and enhance diversification. This process involves balancing the portfolio across different sectors, geographies, and market caps to achieve the optimal mix of assets that maximizes returns for a given level of risk.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.70%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Mid-Cap Value Index Fund ETF Shares 2.20%
- Vanguard Total Stock Market Index Fund ETF Shares 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.67%
The portfolio's dividend yield of 1.67% contributes to its total return, with specific ETFs offering yields ranging from 0.40% to 2.80%. While not the primary focus, these dividends provide a stream of income and potential for reinvestment, which can compound growth over time. The balance between growth-focused ETFs and those with higher dividend yields suggests a strategy that values both capital appreciation and income generation.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Mid-Cap Value Index Fund ETF Shares 0.07%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.06%
The portfolio's overall expense ratio of 0.06% is impressively low, enhancing its long-term return potential by minimizing costs. This cost efficiency is crucial for maximizing net returns, especially in a growth-oriented portfolio where every basis point counts. The selection of low-cost ETFs demonstrates a strategic approach to keeping investment expenses under control.
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