Growth-focused portfolio with heavy tech exposure and strong international diversification

Report created on Oct 27, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is structured around a significant allocation to U.S. equities via the Vanguard Total Stock Market Index Fund ETF Shares, complemented by a substantial commitment to growth through the Fidelity Blue Chip Growth Fund. The inclusion of the Vanguard Total International Stock Index Fund ETF Shares introduces a meaningful international component, enhancing geographic diversification. This blend aligns with a growth-oriented investment strategy, aiming to capitalize on the potential of the U.S. market while mitigating risks through global exposure.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 15.40%, this portfolio has demonstrated strong historical performance. The maximum drawdown of -33.69% indicates a period of significant value decline, which is typical for growth-focused strategies during market downturns. The concentration on days contributing to 90% of returns highlights the impact of short-term market movements on performance, underscoring the importance of a long-term investment horizon to weather volatility.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with a median increase of 546.7%, suggesting strong potential for future growth. However, the 5th percentile outcome at 79.6% growth indicates a non-negligible risk of underperformance. These projections, while informative, are based on historical data and cannot guarantee future results. They serve as a tool for understanding potential volatility and return distributions, helping investors prepare for various scenarios.

Asset classes Info

  • Stocks
    98%
  • Other
    1%
  • Cash
    1%

The portfolio's asset allocation is heavily skewed towards stocks (98%), with minimal holdings in other asset classes. This concentration in equities is typical for growth-oriented portfolios but comes with higher volatility and risk. Diversification across different asset classes, such as bonds or real estate, could provide a buffer against stock market fluctuations, potentially reducing overall portfolio volatility without significantly compromising growth prospects.

Sectors Info

  • Technology
    33%
  • Financials
    12%
  • Telecommunications
    12%
  • Industrials
    9%
  • Health Care
    8%
  • Consumer Discretionary
    7%
  • Consumer Discretionary
    6%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Energy
    3%
  • Real Estate
    2%
  • Utilities
    2%

Technology, financial services, and communication services dominate the sectoral allocation, accounting for a significant portion of the portfolio. This concentration in tech and related sectors may lead to higher volatility, particularly in response to interest rate changes or sector-specific downturns. While this focus aligns with a growth strategy, diversifying across a broader range of sectors could mitigate risk and smooth out returns over time.

Regions Info

  • North America
    80%
  • Europe Developed
    8%
  • Asia Emerging
    4%
  • Japan
    3%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%

The portfolio's geographic allocation is heavily weighted towards North America (80%), with smaller exposures to developed Europe and emerging Asian markets. This distribution reflects a strong home bias, which could limit exposure to potential growth in other regions. Increasing allocations to underrepresented areas might offer improved diversification benefits and access to faster-growing markets.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    25%
  • Mid-cap
    17%
  • Small-cap
    5%
  • Micro-cap
    1%

The portfolio's market capitalization breakdown shows a preference for mega and large-cap stocks, which tend to be more stable and less volatile than their smaller counterparts. This bias towards larger companies is consistent with the portfolio's growth focus, as these firms often have more established business models and global reach. However, incorporating a greater mix of medium, small, and micro-cap stocks could enhance growth potential and diversification.

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 not be fully optimized for the best possible risk-return ratio given its current asset allocation. Adjustments towards a more diversified mix could potentially move the portfolio closer to the frontier, optimizing performance by balancing risk and return more effectively. This process involves re-evaluating the balance between asset classes, sectors, and geographic exposure to achieve a more efficient allocation.

Dividends Info

  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND 2.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.90%

The portfolio's overall dividend yield of 1.90% contributes to total returns, complementing capital appreciation. While growth-focused strategies often prioritize reinvestment over income, dividends provide a source of cash flow that can be reinvested or used as income, adding a layer of return stability amidst market volatility.

Ongoing product costs Info

  • FIDELITY BLUE CHIP GROWTH FUND FIDELITY BLUE CHIP GROWTH FUND 0.47%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.17%

With a Total Expense Ratio (TER) of 0.17%, the portfolio benefits from relatively low costs, enhancing net returns. The low fees associated with index ETFs contribute to this efficiency, underscoring the importance of cost awareness in maximizing investment outcomes. Continual monitoring of fund expenses and exploring lower-cost alternatives when available can further improve performance over time.

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