Growth-focused portfolio with a strong emphasis on US equities and moderate international exposure

Report created on Jul 11, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is characterized by a heavy weighting in the Vanguard S&P 500 ETF, constituting 60% of the allocation, signaling a strong preference for large-cap US equities. The inclusion of Avantis® U.S. Small Cap Value ETF and Avantis® International Small Cap Value ETF, each with significant allocations, introduces a value-oriented approach within smaller market capitalizations. The Vanguard Total International Stock Index Fund ETF Shares complement this with broader international exposure. The overall composition suggests a growth-oriented strategy with a moderate diversification across geographies and market caps.

Growth Info

Historically, this portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 15.84%, with a maximum drawdown of -36.94%. These figures highlight the portfolio's robust growth potential alongside significant volatility. The days contributing to 90% of returns being limited to 16 indicate that the portfolio's performance is heavily reliant on specific high-growth periods, underscoring the importance of timing in investments.

Projection Info

Monte Carlo simulations, based on historical data, suggest a wide range of potential outcomes. With 971 out of 1,000 simulations showing positive returns, the median projected growth is impressive. However, it's crucial to remember that these simulations assume historical conditions repeat, which may not always be the case. Such projections are useful for understanding potential volatility and growth but should not be the sole basis for investment decisions.

Asset classes Info

  • Stocks
    100%

The portfolio is exclusively invested in stocks, with no allocation to bonds, cash, or other asset classes. This allocation supports a growth-focused strategy but also implies higher risk and volatility. Diversifying across different asset classes could provide a buffer against market downturns, potentially smoothing out returns over time.

Sectors Info

  • Technology
    23%
  • Financials
    18%
  • Consumer Discretionary
    13%
  • Industrials
    12%
  • Health Care
    7%
  • Telecommunications
    7%
  • Energy
    6%
  • Consumer Staples
    6%
  • Basic Materials
    5%
  • Utilities
    2%
  • Real Estate
    2%

Sector allocation shows a strong emphasis on Technology and Financial Services, followed by Consumer Cyclicals and Industrials. This sectoral distribution aligns with a growth-oriented strategy but may expose the portfolio to sector-specific risks, such as regulatory changes or economic cycles affecting technology and financial stocks more acutely.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Japan
    5%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Asia Developed
    1%
  • Africa/Middle East
    1%

With 81% of assets allocated to North America, the portfolio is heavily weighted towards the US market. While the US market has historically offered strong growth opportunities, this concentration may limit exposure to potential gains in other regions. Diversifying more broadly internationally could mitigate risks associated with the US market's economic cycles.

Market capitalization Info

  • Mega-cap
    32%
  • Large-cap
    24%
  • Mid-cap
    18%
  • Small-cap
    14%
  • Micro-cap
    11%

The portfolio's market capitalization exposure spans from mega to micro caps, with a notable emphasis on larger companies. This spread across different sizes can offer a balance between the stability of large caps and the growth potential of smaller caps. However, the allocation leans towards larger companies, which may reduce volatility but also limit potential high growth from smaller firms.

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, this portfolio may already be optimized for the highest possible returns at its current level of risk. However, continuous reassessment of asset allocation in response to changing market conditions and personal financial goals is vital. Adjustments could further refine the risk-return balance.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.72%

The portfolio's dividend yield strategy leverages the varying yields from its components, with a total yield of 1.72%. This approach provides an income stream, which can be particularly valuable during market downturns or for investors seeking regular income. Adjusting allocations to focus on higher-yielding assets could further enhance this aspect.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.11%

With a total Expense Ratio (TER) of 0.11%, the portfolio is efficiently managed in terms of costs. Low costs are crucial for long-term growth, as they directly impact net returns. The portfolio's focus on low-cost ETFs is commendable and aligns with best practices for maximizing investment returns.

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