Growth-oriented portfolio with a strong tilt towards technology and US markets

Report created on Aug 16, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is heavily weighted towards ETFs, focusing on technology (30%), broad US equities (30%), dividend-paying stocks (20%), and international stocks (20%). This composition reflects a growth-oriented strategy with a significant emphasis on the technology sector, while also seeking some income through dividends and diversification through international exposure. The heavy allocation to technology and the S&P 500 suggests a strong confidence in the US market's growth potential.

Growth Info

Historically, this portfolio has shown a Compound Annual Growth Rate (CAGR) of 15.48%, with a maximum drawdown of -32.81%. The days contributing to 90% of returns being concentrated in just 36 days highlights the portfolio's volatility and the significance of timing in market exposure. The historical performance, while strong, also underlines the importance of understanding the inherent risks, particularly the impact of significant market downturns.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, suggest a wide range of potential performances for this portfolio. With the median outcome showing a 531.5% increase, and 991 out of 1,000 simulations yielding positive returns, the forward projection appears optimistic. However, the reliance on past performance, which does not guarantee future results, and the considerable spread between the 5th and 67th percentiles, underscores the uncertainty and risk involved.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is almost entirely in stocks (99%), with a minimal cash holding (1%). This allocation supports the portfolio's growth focus but also increases its risk, especially in volatile markets. The lack of bonds or alternative investments limits its diversification and may expose it to higher market risk during downturns.

Sectors Info

  • Technology
    44%
  • Financials
    11%
  • Industrials
    8%
  • Health Care
    8%
  • Consumer Discretionary
    7%
  • Consumer Staples
    7%
  • Energy
    6%
  • Telecommunications
    5%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

With 44% in technology, followed by financial services and industrials, the sector allocation underscores the portfolio's growth orientation. The heavy tech weighting may increase volatility, particularly in response to market or economic shifts affecting this sector. Diversifying across more sectors could help mitigate specific industry risks.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, the portfolio is heavily skewed towards North America (81%), with modest exposure to developed Europe, emerging Asia, and other regions. This concentration in the US market enhances growth potential but also increases exposure to US-specific economic and political risks. Increasing international diversification could offer broader exposure to global growth opportunities and reduce geographic risk.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    36%
  • Mid-cap
    19%
  • Small-cap
    5%
  • Micro-cap
    1%

The portfolio's market capitalization breakdown—majority in mega (38%) and big (36%) cap stocks—aligns with its growth and stability objectives. However, the lower allocation to medium, small, and micro caps limits potential exposure to high-growth opportunities in smaller companies. Balancing market cap exposure could enhance growth potential while managing 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.

Click on the colored dots to explore allocations.

Considering the Efficient Frontier, the portfolio might benefit from optimization to achieve a better risk-return ratio. Adjusting the asset allocation could enhance returns for a given level of risk. However, such optimization should consider the investor's risk tolerance, investment horizon, and specific financial goals.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.70%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.76%

The portfolio's average dividend yield of 1.76% contributes to its total return, balancing growth with income generation. The Schwab U.S. Dividend Equity ETF's higher yield (3.70%) enhances the portfolio's income component, which is particularly valuable in market downturns or for investors seeking regular income.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

The overall portfolio cost (Total TER of 0.06%) is impressively low, enhancing its long-term return potential. Keeping investment costs minimal is crucial for maximizing net returns, especially in a low-yield environment. This cost efficiency is a significant strength of the portfolio.

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