Growth-oriented portfolio with a strong focus on US equities and dividend-yielding ETFs

Report created on Oct 27, 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 30% allocation in the Invesco QQQ Trust, showcasing a preference for technology and growth stocks. The inclusion of both the Vanguard S&P 500 ETF and Vanguard Total Stock Market Index Fund ETF Shares, each comprising 20% of the portfolio, alongside the Schwab U.S. Dividend Equity ETF and Vanguard High Dividend Yield Index Fund ETF Shares, reflects a balanced approach between growth and income. However, this composition indicates low diversity, with a 100% allocation in stocks and a significant overlap in holdings, particularly within the US market.

Growth Info

With a historical Compound Annual Growth Rate (CAGR) of 15.80% and a maximum drawdown of -31.97%, the portfolio has demonstrated strong performance, albeit with notable volatility. The days contributing to 90% of the returns underline the impact of short-term gains on overall performance. This historical perspective suggests resilience in growth but also highlights the risks associated with a concentrated equity portfolio.

Projection Info

Monte Carlo simulations, using 1,000 iterations, predict a wide range of outcomes with a median projected growth of 593.4%. The simulations indicate a high likelihood of positive returns, but the wide range between the 5th and 67th percentiles underscores the inherent uncertainty and risk in the portfolio's current allocation. This forward-looking analysis is a valuable tool for understanding potential volatility and the importance of risk management.

Asset classes Info

  • Stocks
    100%

The portfolio's exclusive focus on stocks, without any allocation to bonds, real estate, or alternative investments, limits its diversification. While stocks have historically provided higher returns compared to other asset classes, they also come with higher volatility. Diversifying across different asset classes can help mitigate risk and smooth out returns over time, especially in turbulent markets.

Sectors Info

  • Technology
    34%
  • Consumer Discretionary
    11%
  • Financials
    10%
  • Telecommunications
    10%
  • Health Care
    9%
  • Consumer Staples
    8%
  • Industrials
    8%
  • Energy
    5%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    1%

Sector allocation is heavily skewed towards technology, which constitutes 34% of the portfolio. This concentration increases exposure to sector-specific risks, such as regulatory changes or market sentiment shifts. While technology stocks have been strong performers, diversifying across a broader range of sectors could reduce volatility and improve the portfolio's resilience against sector-specific downturns.

Regions Info

  • North America
    99%
  • Europe Developed
    1%

The geographic allocation is almost entirely focused on North America (99%), with negligible exposure to international markets. This geographic concentration enhances the portfolio's vulnerability to regional economic downturns and misses out on potential growth opportunities in emerging and developed markets outside the US.

Market capitalization Info

  • Large-cap
    39%
  • Mega-cap
    37%
  • Mid-cap
    19%
  • Small-cap
    3%
  • Micro-cap
    1%

The portfolio's market capitalization breakdown shows a preference for large and mega-cap stocks, which are typically less volatile than smaller companies. However, this focus may limit potential upside from growth in smaller, more dynamic companies. Incorporating a broader mix of market caps could enhance returns and diversification.

Redundant positions Info

  • Vanguard High Dividend Yield Index Fund ETF Shares
    Schwab U.S. Dividend Equity ETF
    High correlation
  • Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The portfolio exhibits high correlation between certain ETFs, particularly those focused on the US market and dividend yields. This redundancy suggests that the portfolio may not be as diversified as it could be, as similar assets tend to move in tandem, especially during market downturns. Reducing overlap by reallocating assets could enhance diversification and risk management.

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.

Optimizing the portfolio involves addressing the high correlation between certain assets to reduce overlap and enhance diversification. By reallocating funds from highly correlated ETFs to underrepresented sectors, asset classes, or geographies, the portfolio can achieve a more balanced risk-return profile. Emphasizing the Efficient Frontier could guide these adjustments, aiming for an allocation that maximizes returns for a given level of risk.

Dividends Info

  • Invesco QQQ Trust 0.30%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.50%
  • Weighted yield (per year) 1.48%

Dividend yields contribute to the portfolio's total return, with an average yield of 1.48%. This focus on dividend-paying ETFs provides a steady income stream, which can be particularly valuable in volatile or declining markets. However, an overemphasis on dividend yield should not come at the expense of growth potential or diversification.

Ongoing product costs Info

  • Invesco QQQ Trust 0.20%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.09%

The portfolio benefits from relatively low total expense ratios (TER), averaging 0.09% across all holdings. This cost efficiency is commendable, as lower costs directly translate to higher net returns over time. Maintaining a focus on cost-effective investments is a prudent strategy for long-term wealth accumulation.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey