A growth-focused portfolio with strong US and tech exposure and an eye on international diversification

Report created on Jul 21, 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 showcases a significant leaning towards the US market, with a 60% allocation in the Vanguard S&P 500 ETF, complemented by diversified international exposure through the Vanguard Total International Stock Index Fund ETF Shares at 20%. The inclusion of the Avantis® U.S. Small Cap Value ETF and Vanguard Mid-Cap Value Index Fund ETF Shares, each constituting 10% of the portfolio, introduces a strategic tilt towards value stocks in the mid and small-cap segments. This composition underscores a growth-oriented strategy with a broad diversification across market capitalizations and geographic regions.

Growth Info

Historically, the portfolio has demonstrated robust performance with a Compound Annual Growth Rate (CAGR) of 14.84%. Despite a maximum drawdown of -35.96%, which indicates the highest peak-to-trough decline, the portfolio's resilience is notable, with 90% of returns concentrated in just 15 days. This historical performance suggests the portfolio's ability to capture significant upside during market rallies, although it also highlights the potential volatility and the importance of staying invested through market cycles.

Projection Info

Forward-looking projections, based on 1,000 Monte Carlo simulations, yield a median potential growth of 401.5% with a 67th percentile outcome at 643.3%. These projections suggest a strong likelihood of positive returns, with 968 simulations indicating growth. However, it's crucial to remember that Monte Carlo simulations rely on historical data to forecast future outcomes, and past performance does not guarantee future results. These projections provide a range of possible outcomes to help set realistic expectations for portfolio growth.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is heavily skewed towards stocks (99%), with a minimal cash reserve (1%). This allocation aligns with the portfolio's growth profile but comes with higher volatility and risk compared to more balanced or conservative allocations. The lack of diversification into other asset classes like bonds or real estate may limit the portfolio's ability to hedge against stock market downturns, suggesting a potential area for diversification.

Sectors Info

  • Technology
    24%
  • Financials
    18%
  • Consumer Discretionary
    11%
  • Industrials
    11%
  • Health Care
    8%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    3%

Sector-wise, the portfolio is heavily weighted towards technology (24%), financial services (18%), and consumer cyclicals (11%), reflecting a growth-oriented strategy. However, this concentration in high-growth sectors also exposes the portfolio to sector-specific risks, such as regulatory changes or economic cycles affecting these industries. Diversifying across a broader range of sectors could mitigate these risks while still targeting growth.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio has a strong bias towards North America (81%), with modest allocations to developed Europe (8%) and emerging Asian markets (3%). This geographic distribution supports the portfolio's growth objectives but may underrepresent opportunities in emerging markets and other developed regions. Increasing exposure to underrepresented regions could enhance diversification and capture growth in global markets.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    27%
  • Mid-cap
    24%
  • Small-cap
    6%
  • Micro-cap
    5%

The market capitalization breakdown shows a balanced exposure across mega (37%), big (27%), and medium (24%) cap stocks, with smaller allocations to small (6%) and micro (5%) caps. This distribution suggests a balanced approach to risk, capturing the stability of larger companies while still seeking the higher growth potential of smaller firms. Adjusting the balance between these categories can fine-tune the portfolio's risk and return profile.

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 appears well-positioned on the Efficient Frontier, indicating an optimal balance between risk and return based on historical data. However, it's important to recognize that "optimal" does not necessarily mean the portfolio is fully diversified or aligned with future market conditions. Regularly reviewing and adjusting the asset allocation in response to changing market dynamics can help maintain this balance and support long-term investment objectives.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Vanguard Mid-Cap Value Index Fund ETF Shares 2.20%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.67%

The dividend yields from the ETFs contribute to the portfolio's total yield of 1.67%, providing a steady income stream in addition to potential capital gains. While the focus on growth minimizes the emphasis on dividends, this income can offer a buffer during market volatility and contribute to compounding returns over time. Balancing growth and income-generating assets can optimize the portfolio's total return.

Ongoing product costs Info

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

With an overall portfolio expense ratio of 0.06%, the costs are impressively low, supporting better long-term performance by minimizing the drag on returns. The careful selection of low-cost ETFs demonstrates a strategic approach to maximizing net returns, a crucial factor in long-term investment success. Continuously monitoring and managing these costs will remain essential in preserving the portfolio's efficiency.

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