This portfolio has only about 1.4 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

Growth-focused portfolio leaning heavily on tech with notable single-stock exposures

Report created on Sep 2, 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 predominantly composed of growth-oriented ETFs and stocks, with a significant emphasis on the technology sector, evidenced by its large allocations to Schwab U.S. Large-Cap Growth ETF, Invesco NASDAQ 100 ETF, and direct equity positions in Reddit, Inc., and Alphabet Inc. The presence of a money fund introduces a minor conservative balance. However, the overall diversification is low, with a heavy tilt towards growth assets and minimal exposure to defensive or value-oriented investments.

Growth Info

Historically, this portfolio has shown impressive Compound Annual Growth Rate (CAGR) of 38.09%, albeit with a substantial maximum drawdown of -36.48%. Such performance indicates periods of high returns, punctuated by significant volatility. The days contributing most to the returns are notably few, suggesting that the portfolio's performance is heavily reliant on short, sharp gains, typical of growth-focused strategies.

Projection Info

Monte Carlo simulations, projecting future performance based on historical data, show a wide range of potential outcomes but consistently positive returns across 1,000 simulations. The median outcome suggests a very optimistic growth trajectory. However, it's crucial to note that these projections are speculative and depend heavily on past market conditions persisting, which may not always be the case.

Asset classes Info

  • Stocks
    95%

With 95% of the portfolio in stocks, the asset class allocation underscores a high-risk, high-reward strategy. The minimal cash holding suggests little buffer against market volatility. While this allocation can offer substantial growth potential, it also exposes the investor to significant market risk, lacking the balance that bonds or other asset classes could provide.

Sectors Info

  • Technology
    39%
  • Telecommunications
    27%
  • Consumer Discretionary
    10%
  • Health Care
    5%
  • Financials
    4%
  • Industrials
    3%
  • Consumer Staples
    3%
  • Energy
    1%
  • Basic Materials
    1%
  • Utilities
    1%

The sectoral allocation highlights a strong preference for technology and communication services, making up 66% of the portfolio. This concentration can drive high returns during tech bull markets but also increases vulnerability to sector-specific downturns. The underrepresentation of traditionally defensive sectors, such as healthcare and consumer staples, further accentuates the portfolio's aggressive stance.

Regions Info

  • North America
    94%

The geographic allocation is heavily skewed towards North America, with 94% of assets. This concentration in developed markets, particularly the U.S., aligns with the portfolio's growth orientation but limits geographical diversification. Emerging markets, offering potential for higher growth and diversification, are notably absent.

Market capitalization Info

  • Mega-cap
    52%
  • Large-cap
    32%
  • Mid-cap
    9%
  • Small-cap
    1%

The market capitalization breakdown reveals a strong preference for mega and large-cap stocks, which comprise 84% of the portfolio. This bias towards larger companies is typical for growth-focused investors seeking stability and growth. However, the inclusion of smaller caps could offer additional growth potential and diversification benefits.

Redundant positions Info

  • iShares Core S&P U.S. Growth ETF
    Vanguard Mega Cap Growth Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The high correlation among the growth ETFs suggests redundancy, limiting the diversification benefits these assets could provide. This overlap, particularly among ETFs tracking similar indices or sectors, can amplify risks associated with market or sector downturns, underscoring the need for a more varied asset selection.

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.

The current portfolio's risk-return profile could be optimized by addressing the high correlation among its assets and introducing more diversification. An optimal portfolio, achieving a similar risk level with an expected return of 6.56%, would necessitate reducing overlap and potentially incorporating a broader mix of asset classes and sectors.

Dividends Info

  • Alphabet Inc Class A 0.40%
  • iShares Core S&P U.S. Growth ETF 0.60%
  • Vanguard Mega Cap Growth Index Fund ETF Shares 0.40%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.70%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab Value Advantage Money Fund 4.20%
  • Weighted yield (per year) 0.71%

The portfolio's dividend yield is relatively low, with a total yield of 0.71%. This is consistent with growth-focused investments, which typically reinvest earnings rather than pay out dividends. For investors seeking income, this may be a limitation, but for those prioritizing capital appreciation, it aligns with the portfolio's growth strategy.

Ongoing product costs Info

  • iShares Core S&P U.S. Growth ETF 0.04%
  • Vanguard Mega Cap Growth Index Fund ETF Shares 0.07%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Weighted costs total (per year) 0.06%

The portfolio's overall expense ratio is modest at 0.06%, which is beneficial for long-term growth by minimizing the drag on returns. Keeping costs low is crucial in maximizing investment growth, especially in a growth-oriented strategy where the compounding effect plays a significant role.

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