A growth-oriented portfolio with a strong emphasis on global diversification and value investing

Report created on Aug 7, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

Your portfolio showcases a strategic blend of 89% stocks and 10% bonds, with a minor allocation to cash. This composition aligns well with a growth profile, emphasizing equity investments across both developed and emerging markets, alongside a conservative bond holding for risk mitigation. The significant allocation to the Vanguard Total Stock Market Index Fund ETF Shares as the core holding, supplemented by international exposure and small-cap value ETFs, indicates a well-thought-out approach to capturing market-wide growth while seeking additional value-driven opportunities globally.

Growth Info

Historically, your portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 11.87%, with a maximum drawdown of -30.76%. These figures suggest a robust performance, particularly in light of the growth-focused risk profile. The days contributing most to returns highlight the impact of significant market movements on portfolio gains. Comparing these metrics to benchmark indices for similar risk portfolios could provide further insight into relative performance, especially during volatile market periods.

Projection Info

Utilizing Monte Carlo simulations, which project future performance based on historical data, your portfolio shows a wide range of outcomes. With a median projected growth of 180.4% and a substantial portion of simulations indicating positive returns, the forward-looking perspective remains optimistic. However, it's crucial to remember that these projections are hypothetical and subject to the limitations of past data, emphasizing the importance of ongoing risk management and portfolio adjustments.

Asset classes Info

  • Stocks
    89%
  • Bonds
    10%
  • Cash
    1%

The division between stocks and bonds in your portfolio is a classic approach to growth investing, with a heavier lean towards equities for higher potential returns. This asset class allocation supports a growth-oriented strategy while incorporating bonds to cushion against market volatility. Comparing this mix with your risk tolerance and investment horizon could ensure it remains aligned with your financial goals, especially considering the minor cash holding for liquidity purposes.

Sectors Info

  • Technology
    20%
  • Financials
    17%
  • Industrials
    11%
  • Consumer Discretionary
    11%
  • Health Care
    7%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    4%
  • Real Estate
    2%
  • Utilities
    2%

Your sectoral allocation covers a broad spectrum, with technology and financial services as the leading sectors. This composition is reflective of the current global market trends, where technology plays a pivotal role in driving innovation and growth. However, the concentration in these sectors could expose the portfolio to sector-specific risks. Balancing this with investments in less volatile sectors, such as healthcare or consumer defensive, might offer additional stability.

Regions Info

  • North America
    57%
  • Europe Developed
    10%
  • Asia Emerging
    9%
  • Japan
    5%
  • Asia Developed
    4%
  • Africa/Middle East
    2%
  • Australasia
    1%
  • Latin America
    1%

The geographic distribution of your investments, with a strong emphasis on North America and significant positions in emerging and developed markets outside the U.S., enhances global diversification. This geographical spread can help mitigate region-specific risks and capitalize on growth opportunities worldwide. However, the relatively lower allocations to regions like Latin America and Africa/Middle East suggest potential areas for further diversification.

Market capitalization Info

  • Mega-cap
    32%
  • Large-cap
    23%
  • Mid-cap
    16%
  • Small-cap
    10%
  • Micro-cap
    6%

Your portfolio's market capitalization exposure, with a mix of mega to micro-cap stocks, supports diversified growth strategies. The emphasis on larger companies provides stability, while smaller caps offer growth potential. This balanced approach can be beneficial, but it's essential to periodically review this allocation to ensure it aligns with your risk tolerance and market outlook, especially given the dynamic nature of market cap performance.

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.

Considering the Efficient Frontier, your portfolio's current asset allocation appears to be optimized for a favorable risk-return ratio based on historical data. This optimization suggests that your portfolio is well-positioned to achieve growth while managing risk efficiently. However, it's important to periodically reevaluate this alignment, especially as market conditions and your personal financial situation evolve.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.70%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Vanguard Extended Duration Treasury Index Fund ETF Shares 4.80%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 2.18%

With a total dividend yield of 2.18%, your portfolio contributes to overall returns through income, alongside capital appreciation. The yields from both equity and bond ETFs indicate a balanced approach to income generation, suitable for a growth-focused investor. Regularly reviewing dividend-yielding positions in light of changing market conditions and company performances can ensure this income stream remains consistent and aligned with your investment objectives.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard Extended Duration Treasury Index Fund ETF Shares 0.06%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.08%

The total expense ratio (TER) of 0.08% is impressively low, enhancing the potential for net returns. Keeping costs minimal is crucial for long-term investment success, as high fees can significantly erode gains. Your portfolio benefits from the cost efficiency of ETFs, particularly those from Vanguard, known for their low-cost structure. Continuously monitoring these costs will ensure they remain aligned with the value provided.

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