Growth-focused portfolio with a strong emphasis on US equities and technology sector

Report created on Jul 9, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is heavily weighted towards US equities, with a significant concentration in the technology sector. The allocation includes 56.48% in a dividend-focused ETF, 30.32% in a large-cap growth ETF, and 13.20% in a semiconductor ETF. This composition suggests a growth-oriented strategy with a tilt towards income generation through dividends. The heavy reliance on a single asset class (stocks) and a predominant focus on the US market indicates low diversification.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 16.20%, with a maximum drawdown of -32.34%. These figures suggest robust growth potential but also highlight significant volatility, as evidenced by the substantial drawdown. The days contributing to 90% of returns being concentrated in just 37.0 days further underscores the portfolio's exposure to sharp market movements.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, suggest a wide range of potential future returns for this portfolio. With 996 out of 1,000 simulations showing positive returns and a median projected increase of 1,178.4%, the forward-looking outlook appears optimistic. However, it's important to recognize the limitations of such projections, as past performance is not indicative of future results.

Asset classes Info

  • Stocks
    100%

The portfolio's allocation is entirely in stocks, with no presence in other asset classes such as bonds or real estate. This singular focus on equities enhances growth potential but also increases risk, particularly in market downturns. A more diversified asset class mix could help mitigate volatility without necessarily compromising long-term growth objectives.

Sectors Info

  • Technology
    34%
  • Energy
    12%
  • Consumer Staples
    11%
  • Health Care
    11%
  • Consumer Discretionary
    9%
  • Industrials
    7%
  • Financials
    7%
  • Telecommunications
    7%
  • Basic Materials
    1%

Sector allocation is concentrated, with technology making up 34% of the portfolio. Other significant sectors include energy, consumer defensive, and healthcare. While this sectoral spread provides some diversification, the heavy tech weighting may lead to increased volatility, especially in response to sector-specific events or broader market shifts affecting tech stocks.

Regions Info

  • North America
    97%
  • Asia Developed
    2%
  • Europe Developed
    1%

Geographically, the portfolio is almost entirely invested in North America (97%), with minimal exposure to developed markets in Asia and Europe. This concentration in the US market limits geographic diversification, potentially increasing vulnerability to region-specific economic or political events.

Market capitalization Info

  • Large-cap
    46%
  • Mega-cap
    25%
  • Mid-cap
    23%
  • Small-cap
    4%
  • Micro-cap
    1%

The portfolio's market capitalization breakdown shows a balanced exposure across big (46%), mega (25%), and medium (23%) cap stocks, with a small allocation to small and micro caps. This mix supports growth while offering some level of stability through the inclusion of large and mega-cap companies.

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.

Given the portfolio's current composition, there may be opportunities to optimize its risk-return profile using the Efficient Frontier concept. This could involve adjusting allocations to achieve a better balance between risk and return, potentially by increasing diversification across asset classes, sectors, and geographies.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.40%
  • Weighted yield (per year) 2.32%

The dividend yield of 2.32% across the portfolio, led by the Schwab U.S. Dividend Equity ETF, contributes to the portfolio's income generation. This yield supports total returns, particularly in volatile or bear markets, by providing a steady income stream in addition to potential capital gains.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • Weighted costs total (per year) 0.09%

The total expense ratio (TER) of 0.09% is impressively low, enhancing the portfolio's attractiveness by minimizing investment costs. Lower costs directly translate to better net returns over time, making this an efficient portfolio from a cost perspective.

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