This portfolio has only about 6 months 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.
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Growth-oriented portfolio with a strong focus on US equities and minimal international exposure

Report created on Aug 5, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification
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Positions

This portfolio predominantly consists of US equity-focused ETFs and funds, with a significant weight in the S&P 500 and value stocks, complemented by a smaller allocation to bonds and cash equivalents. The heavy concentration in large-cap and value stocks, alongside minimal international and bond exposure, indicates a growth-oriented strategy with a tilt towards value investing. This composition suggests a preference for established, lower-volatility assets within the US market, aiming for steady growth with moderate risk.

Growth Info

Historically, this portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 7.07%, with a maximum drawdown of -14.36%. These figures suggest a resilient performance through market cycles, with the portfolio's focus on large-cap equities contributing to its stability. The days contributing to 90% of its returns highlight the impact of significant market movements on its performance. Comparing this to benchmark indices could provide further insight into its relative performance, especially during volatile periods.

Projection Info

Monte Carlo simulations, which use historical data to project future performance under a range of market conditions, indicate a wide range of potential outcomes for this portfolio. With 847 out of 1,000 simulations showing positive returns, the median projected growth is notably optimistic. However, it's important to remember that these projections are not guarantees but rather scenarios that could help in understanding potential risks and rewards. The reliance on past data means future market changes, not reflected in historical trends, could impact actual returns.

Asset classes Info

  • Stocks
    82%
  • Bonds
    6%

The portfolio's asset allocation leans heavily towards stocks (82%), with a minor allocation to bonds (6%) and negligible positions in cash equivalents. This allocation underscores a growth-focused strategy, prioritizing potential capital appreciation over income or stability. While this could offer higher returns in bullish markets, it might also expose investors to increased volatility during downturns. Balancing growth objectives with a diversification strategy that includes a broader mix of asset classes could enhance risk-adjusted returns.

Sectors Info

  • Technology
    23%
  • Financials
    13%
  • Health Care
    9%
  • Industrials
    8%
  • Telecommunications
    6%
  • Consumer Staples
    5%
  • Consumer Discretionary
    4%
  • Consumer Discretionary
    4%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%
  • Basic Materials
    2%

Sector allocation reveals a strong emphasis on technology and financial services, followed by healthcare and industrials. This sectoral composition is reflective of the broader market trends and the S&P 500's makeup, potentially offering robust growth opportunities. However, heavy concentration in specific sectors, like technology, could introduce sector-specific risks. Diversifying across a wider range of sectors could mitigate these risks while still capitalizing on growth opportunities.

Regions Info

  • North America
    80%
  • No data
    1%
  • Europe Developed
    1%

With 80% of assets in North America and minimal international exposure, the portfolio's geographic distribution is heavily skewed towards the US market. This concentration enhances exposure to the US economy's growth potential but also increases susceptibility to its market-specific risks. Incorporating more international equities could offer diversification benefits, potentially smoothing out volatility and tapping into growth opportunities in emerging and developed markets outside the US.

Market capitalization Info

  • Large-cap
    30%
  • Mega-cap
    29%
  • Mid-cap
    17%
  • Small-cap
    5%
  • Micro-cap
    1%

The portfolio's market capitalization breakdown—big (30%), mega (29%), medium (17%), small (5%), and micro (1%)—indicates a strong preference for large and mega-cap companies. This skew towards larger companies is consistent with the portfolio's growth and value orientation, as these companies often provide more stability and lower volatility. However, including a broader mix of medium, small, and micro-cap stocks could introduce higher growth potential and diversification benefits.

Redundant positions Info

  • Vanguard Total Bond Market Index Fund Admiral Shares
    FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS
    Vanguard Total Bond Market Index Fund ETF Shares
    Vanguard Total Bond Market Index Fund Institutional Shares
    iShares Core U.S. Aggregate Bond ETF
    High correlation
  • Vanguard Mega Cap Value Index Fund ETF Shares
    VANGUARD 500 INDEX FUND INSTITUTIONAL SELECT SHARES
    Schwab U.S. Large-Cap Value ETF
    VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES
    Vanguard Dividend Appreciation Index Fund ETF Shares
    VANGUARD EXTENDED MARKET INDEX FUND INSTITUTIONAL SHARES
    iShares Core S&P U.S. Value ETF
    iShares Core S&P 500 ETF
    Fidelity 500 Index Fund
    VANGUARD INSTITUTIONAL INDEX FUND INSTITUTIONAL SHARES
    High correlation

Highly correlated assets within the portfolio, particularly among US equity funds and ETFs, suggest redundancy that may not contribute significantly to diversification. The overlap in holdings among these funds and ETFs, especially those tracking the S&P 500 and value segments, could limit the portfolio's ability to mitigate risks through diversification. Reducing overlap by consolidating similar positions or reallocating to underrepresented asset classes and sectors could enhance overall portfolio efficiency.

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.

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The portfolio's current configuration could be optimized by addressing the high correlation among its holdings. By reducing redundancy and reallocating towards a more diversified mix of assets, it's possible to maintain or even reduce the portfolio's risk profile while potentially improving returns. The optimal portfolio projection suggests a more efficient allocation could yield a 4.38% return at a lower risk level, illustrating the benefits of diversification and efficient asset allocation.

Dividends Info

  • iShares Core U.S. Aggregate Bond ETF 3.50%
  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • Fidelity 500 Index Fund 0.90%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.90%
  • iShares Core S&P U.S. Value ETF 2.00%
  • iShares Core S&P 500 ETF 1.30%
  • Vanguard Mega Cap Value Index Fund ETF Shares 2.20%
  • Schwab U.S. Large-Cap Value ETF 2.10%
  • Vanguard Total Bond Market Index Fund Institutional Shares 3.10%
  • Vanguard Total Bond Market Index Fund Admiral Shares 3.10%
  • VANGUARD 500 INDEX FUND INSTITUTIONAL SELECT SHARES 0.90%
  • VANGUARD EXTENDED MARKET INDEX FUND INSTITUTIONAL SHARES 0.90%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 1.70%
  • VANGUARD INSTITUTIONAL INDEX FUND INSTITUTIONAL SHARES 0.90%
  • VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES 1.00%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Vanguard 0-3 Month Treasury Bill ETF 1.50%
  • Weighted yield (per year) 1.51%

The dividend yields across various holdings, averaging around 1.51%, contribute to the portfolio's total returns, complementing capital gains with income. This income component is particularly relevant for investors seeking a balance between growth and income. However, given the growth orientation, the focus remains on capital appreciation. Investors might consider rebalancing towards higher-yielding assets if income becomes a more significant objective.

Ongoing product costs Info

  • iShares Core U.S. Aggregate Bond ETF 0.03%
  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Fidelity 500 Index Fund 0.02%
  • FIDELITY U.S. BOND INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.02%
  • iShares Core S&P U.S. Value ETF 0.04%
  • iShares Core S&P 500 ETF 0.03%
  • Vanguard Mega Cap Value Index Fund ETF Shares 0.07%
  • Schwab U.S. Large-Cap Value ETF 0.04%
  • Vanguard Total Bond Market Index Fund Institutional Shares 0.02%
  • Vanguard Total Bond Market Index Fund Admiral Shares 0.04%
  • VANGUARD 500 INDEX FUND INSTITUTIONAL SELECT SHARES 0.01%
  • VANGUARD EXTENDED MARKET INDEX FUND INSTITUTIONAL SHARES 0.05%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
  • VANGUARD INSTITUTIONAL INDEX FUND INSTITUTIONAL SHARES 0.04%
  • VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES 0.05%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.03%

With an average Total Expense Ratio (TER) of 0.03%, the portfolio benefits from relatively low costs, which is commendable given the potential drag of high fees on long-term returns. The emphasis on low-cost index funds and ETFs is a prudent approach, ensuring more of the portfolio's gross returns contribute to net performance. Continuously monitoring and minimizing investment costs remains a key strategy for enhancing portfolio efficiency.

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