A growth-focused portfolio with strong emphasis on large-cap equities and international exposure

Report created on Oct 3, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is predominantly invested in equities across major regions, including North America, Europe, and emerging markets in Asia, with a significant allocation in the Vanguard S&P 500 ETF and Vanguard FTSE Europe Index Fund ETF Shares. This composition reflects a growth-oriented strategy with a moderate to high risk tolerance, leveraging the stability and growth potential of large-cap stocks while also seeking diversification through international exposure. The focus on ETFs aids in cost efficiency and risk management by spreading investments across a wide range of underlying assets.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 13.18%, with a maximum drawdown of -35.77%. This performance, characterized by significant growth with periods of volatility, aligns with the portfolio's growth-focused classification. The days contributing most to returns highlight the impact of market timing and the importance of staying invested through market cycles for growth-oriented portfolios.

Projection Info

Monte Carlo simulations, using historical data to forecast future performance, suggest a wide range of outcomes with a median increase of 318.3%. While these projections are based on past trends and are not guaranteed, they provide a useful framework for understanding potential volatility and growth opportunities. It's important to remember that such simulations are hypothetical and do not account for unforeseen market changes.

Asset classes Info

  • Stocks
    100%

The portfolio's exclusive investment in stocks, without allocation to bonds or alternative asset classes, underscores its growth orientation and higher risk profile. While this strategy may offer higher returns, diversifying across different asset classes could reduce volatility and provide a cushion during stock market downturns.

Sectors Info

  • Technology
    21%
  • Financials
    19%
  • Industrials
    12%
  • Health Care
    11%
  • Consumer Discretionary
    10%
  • Consumer Staples
    7%
  • Telecommunications
    6%
  • Energy
    4%
  • Utilities
    4%
  • Basic Materials
    4%
  • Real Estate
    2%

Sector allocation is balanced, with significant investments in technology and financial services, followed by industrials and healthcare. This sector distribution supports the portfolio's growth objectives, as these sectors often lead market rallies. However, the concentration in technology and financial services also introduces sector-specific risks, which could be mitigated by broadening exposure to underrepresented sectors.

Regions Info

  • North America
    66%
  • Europe Developed
    24%
  • Asia Emerging
    10%

Geographically, the portfolio is heavily weighted towards North America and Europe, with a modest allocation to emerging markets in Asia. This distribution benefits from the stability and growth potential in developed markets while also tapping into the growth dynamics of emerging economies. However, the absence of exposure to other emerging regions and developed markets in Asia could limit diversification benefits.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    34%
  • Mid-cap
    15%
  • Small-cap
    7%
  • Micro-cap
    4%

The portfolio's focus on mega and big-cap stocks is consistent with its growth and stability goals, as these companies often have more resilient business models and global footprints. However, the relatively smaller allocation to small and micro-cap stocks may limit potential for outsized growth from emerging 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.

Considering the Efficient Frontier, the portfolio appears to be positioned for growth with a higher risk-return profile. While current allocations are optimized for growth within the chosen assets, there may be opportunities to enhance the risk-return ratio by adjusting the asset mix or diversifying further across underrepresented sectors and geographies.

Dividends Info

  • iShares Core Dividend Growth ETF 2.00%
  • Franklin FTSE India ETF 0.80%
  • iShares Core S&P Small-Cap ETF 1.90%
  • Vanguard FTSE Europe Index Fund ETF Shares 2.90%
  • Vanguard S&P 500 ETF 1.10%
  • Weighted yield (per year) 1.74%

The portfolio's overall dividend yield of 1.74% contributes to total returns, providing a steady income stream in addition to capital appreciation. This yield, while modest, complements the growth strategy by reinvesting dividends to compound growth over time.

Ongoing product costs Info

  • iShares Core Dividend Growth ETF 0.08%
  • Franklin FTSE India ETF 0.19%
  • iShares Core S&P Small-Cap ETF 0.06%
  • Vanguard FTSE Europe Index Fund ETF Shares 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.08%

With a total expense ratio (TER) of 0.08%, the portfolio benefits from low costs, maximizing net returns for investors. This cost efficiency is crucial for long-term growth, as even small differences in fees can have a significant impact on investment outcomes over time.

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