A growth-focused portfolio with a strong tilt towards consumer sectors and large-cap stocks

Report created on Aug 18, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio showcases a significant concentration in consumer cyclicals and defensive sectors, making up 41% of the total allocation. The exclusive investment in stocks, with a notable absence of bonds or alternative asset classes, positions this as a growth-oriented portfolio. The top holdings, including companies like Iron Mountain Incorporated and Ford Motor Company, suggest a preference for established firms with potential for steady growth. However, the concentration in a single asset class raises questions about diversification and risk management.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 24.45% and a maximum drawdown of -26.62%, the portfolio has demonstrated robust growth alongside considerable volatility. The days contributing most to returns indicate that a small number of very good days have driven performance. While past success is commendable, it's essential to remember that past performance is not indicative of future results. This performance profile suits investors comfortable with significant market fluctuations in pursuit of higher returns.

Projection Info

The Monte Carlo simulation, utilizing 1,000 scenarios, forecasts a wide range of potential outcomes, from a 5th percentile of 195.5% to a 67th percentile of 3,151.4%. This variance underscores the inherent uncertainty in market-based investments, especially those as concentrated as this portfolio. The high percentage of simulations with positive returns (995 out of 1,000) suggests optimism but should be viewed with caution, as simulations rely on historical data, which may not predict future conditions accurately.

Asset classes Info

  • Stocks
    100%

The uniform investment in stocks, without diversification into bonds, real estate, or commodities, aligns with a growth investment strategy but increases exposure to market volatility. Diversifying across asset classes can reduce risk without necessarily compromising potential returns. Considering adding bonds or real estate investment trusts (REITs) could provide income and reduce overall portfolio volatility.

Sectors Info

  • Consumer Discretionary
    27%
  • Consumer Staples
    14%
  • Health Care
    10%
  • Financials
    10%
  • Real Estate
    9%
  • Technology
    9%
  • Telecommunications
    8%
  • Basic Materials
    7%
  • Industrials
    6%

The sector allocation leans heavily towards consumer sectors, healthcare, and financial services. This concentration in sectors that can be sensitive to economic cycles may increase risk during downturns. On the positive side, the inclusion of technology and communication services offers exposure to growth sectors, although these could also be subject to higher volatility. Balancing sector exposure can mitigate risks associated with economic shifts.

Regions Info

  • North America
    92%
  • Europe Developed
    7%
  • Japan
    1%

With 92% of assets in North America, the portfolio's geographic exposure is heavily skewed towards the US market. This concentration enhances exposure to US economic conditions while limiting potential benefits from global diversification. Considering adding developed European or Asian equities could provide broader exposure to global growth trends and reduce the portfolio's vulnerability to regional economic cycles.

Market capitalization Info

  • Large-cap
    54%
  • Mega-cap
    42%
  • Mid-cap
    4%

The focus on big and mega-cap stocks (96% combined) suggests a preference for stability and potential for steady growth. While large companies often provide more predictable returns, they may also offer lower growth potential compared to mid or small-cap stocks. Incorporating a small percentage of medium to small-cap stocks could enhance growth prospects and diversification.

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.

Based on the Efficient Frontier, there may be opportunities to optimize the risk-return profile by adjusting asset allocation. While the portfolio shows strong growth potential, diversifying across different asset classes and sectors could achieve a more efficient risk-return balance. Rebalancing to include assets with lower correlation may enhance returns for the same level of risk.

Dividends Info

  • Apple Inc 0.40%
  • American Express Company 1.00%
  • Carrier Global Corp 1.30%
  • Costco Wholesale Corp 0.50%
  • CVS Health Corp 3.90%
  • Ford Motor Company 5.20%
  • Alphabet Inc Class A 0.40%
  • Home Depot Inc 2.30%
  • Honda Motor Co Ltd ADR 4.10%
  • H&R Block Inc 3.00%
  • Iron Mountain Incorporated 3.30%
  • Johnson & Johnson 2.80%
  • Lowe's Companies Inc 1.80%
  • Microsoft Corporation 0.50%
  • Rio Tinto ADR 3.70%
  • AT&T Inc 3.80%
  • Target Corporation 4.30%
  • Visa Inc. Class A 0.50%
  • Waste Management Inc 1.40%
  • Weighted yield (per year) 2.44%

The average dividend yield of 2.44% contributes to the portfolio's total return, adding a modest income component to growth-focused investments. While not the primary focus, dividends offer a buffer during market downturns. Reviewing the dividend yield in the context of total return and growth objectives is essential, as higher-yielding investments might come with different risk profiles.

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