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Growth-oriented portfolio with strong US focus and strategic international exposure

Report created on Jul 29, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

This portfolio is predominantly composed of ETFs, with a heavy 65% allocation to the Schwab U.S. Broad Market ETF, reflecting a strong bias towards the US market. The inclusion of both Schwab International Equity ETF and Vanguard Total International Stock Index Fund ETF Shares, along with specific Avantis® ETFs for U.S. and International Small Cap Value, indicates a strategic approach to diversification. However, the overall diversification is moderate, as indicated by the diversification score, primarily due to the high concentration in US equities.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 14.96% and a maximum drawdown of -35.99%, the portfolio shows robust growth potential balanced with significant volatility. The days contributing to 90% of returns highlight the portfolio's sensitivity to market movements. Comparing these figures against a relevant benchmark would provide further context, especially concerning the drawdown, which may concern risk-averse investors.

Projection Info

The Monte Carlo simulation offers a forward-looking perspective based on historical data, projecting a wide range of outcomes from the 5th to the 67th percentile. While past performance is not indicative of future results, the high percentage of simulations with positive returns underscores the portfolio's growth potential. However, investors should remain cautious of over-reliance on these projections due to the inherent limitations of using historical data to predict future performance.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely allocated to stocks, with no exposure to bonds, cash, or other asset classes. This allocation supports its growth profile but also increases its risk, especially in volatile markets. Diversifying across different asset classes could provide a buffer against stock market downturns, potentially smoothing out returns over time.

Sectors Info

  • Technology
    25%
  • Financials
    17%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Health Care
    8%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    4%
  • Real Estate
    2%
  • Utilities
    2%

Sector allocation shows a significant tilt towards Technology and Financial Services, making up 42% of the portfolio. This concentration could lead to higher volatility, particularly in market conditions that negatively affect these sectors. Diversifying more evenly across sectors could reduce sector-specific risk and potentially lead to more stable returns.

Regions Info

  • North America
    75%
  • Europe Developed
    13%
  • Japan
    6%
  • Asia Developed
    2%
  • Australasia
    2%
  • Asia Emerging
    1%
  • Africa/Middle East
    1%

The portfolio's geographic allocation is heavily weighted towards North America (75%), with smaller exposures to developed Europe and Japan. This concentration in developed markets, particularly the US, may limit exposure to potential growth in emerging markets. Increasing allocations to underrepresented regions could enhance global diversification and capture growth outside of developed markets.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    27%
  • Mid-cap
    19%
  • Small-cap
    10%
  • Micro-cap
    6%

The market capitalization breakdown shows a balanced exposure across mega, big, and medium-cap stocks, with a smaller allocation to small and micro-caps. This mix supports a growth-oriented strategy while mitigating some risk associated with smaller cap investments. However, the portfolio could benefit from a more strategic allocation to small and micro-caps to enhance potential for higher returns, albeit with increased risk.

Redundant positions Info

  • Schwab International Equity ETF
    Vanguard Total International Stock Index Fund ETF Shares
    High correlation

The high correlation between the Schwab International Equity ETF and Vanguard Total International Stock Index Fund ETF Shares suggests redundancy, offering limited diversification benefits. Streamlining the portfolio by reducing overlapping investments could improve efficiency and potentially enhance returns without significantly increasing risk.

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.

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The portfolio's current composition, particularly the overlap in international ETFs, suggests room for optimization. By focusing on removing redundant assets and considering a more balanced allocation across asset classes and sectors, the portfolio could achieve a more efficient risk-return profile. Utilizing the Efficient Frontier concept could guide these adjustments, aiming for an allocation that offers the highest expected return for a given level of risk.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Schwab U.S. Broad Market ETF 1.20%
  • Schwab International Equity ETF 2.60%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.70%

The dividend yields across the ETFs contribute to the portfolio's total yield of 1.70%, adding a component of income to the growth-oriented strategy. While dividends are not the primary focus, they can provide a steady income stream and help mitigate some volatility, especially in down markets.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Broad Market ETF 0.03%
  • Schwab International Equity ETF 0.06%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.07%

The portfolio's overall cost, represented by a Total Expense Ratio (TER) of 0.07%, is impressively low, which is beneficial for long-term performance. Keeping costs minimal is crucial in maximizing returns, especially in a growth-oriented portfolio where compounding plays a significant role.

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