Growth-focused portfolio with strong US and tech emphasis and diversified dividend strategy

Report created on Sep 26, 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 significant emphasis on growth, with over 30% allocated to a U.S. Large-Cap Growth ETF and notable positions in international developed momentum and high dividend yield ETFs. The allocation towards large-cap growth, alongside investments in small to mid-cap, and emerging markets, suggests a strategy aiming for growth with a moderate level of diversification. The heavy weighting towards growth-oriented ETFs, particularly in the U.S. market, aligns with the portfolio's growth profile but may expose it to higher volatility and sector-specific risks.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 16.63%, with a maximum drawdown of -34.07%. These figures indicate strong past performance but also highlight the portfolio's susceptibility to significant market corrections. The days contributing to 90% of returns being so few suggests that the portfolio's performance is heavily reliant on short, strong market rallies. This performance, while impressive, underscores the importance of timing in managing investments within such a growth-oriented strategy.

Projection Info

Monte Carlo simulations, which use historical data to forecast a range of possible outcomes, suggest a wide variance in potential future performance. With most simulations showing positive returns, the median outcome indicates substantial growth potential. However, the wide range between the 5th and 67th percentiles underscores the uncertainty and risk inherent in this growth-focused strategy. Investors should be prepared for significant fluctuations and consider whether this aligns with their risk tolerance and investment horizon.

Asset classes Info

  • Stocks
    100%

The portfolio's assets are exclusively in stocks, which is typical for a growth-focused strategy but comes with higher volatility and risk compared to more diversified portfolios that include bonds or other asset classes. This concentration in stocks can offer higher returns, particularly in bull markets, but may suffer more during downturns. Diversifying across different asset classes could provide a buffer against stock market volatility while still allowing for growth.

Sectors Info

  • Technology
    24%
  • Financials
    18%
  • Telecommunications
    15%
  • Consumer Discretionary
    11%
  • Industrials
    11%
  • Health Care
    8%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    2%

The sector allocation reveals a heavy emphasis on technology, financial services, and communication services, which are sectors often associated with high growth potential. However, this concentration can also lead to higher volatility, as these sectors are more sensitive to economic changes and market sentiment. Balancing this with investments in more stable sectors, or diversifying further within these sectors, could mitigate some risk without significantly compromising growth potential.

Regions Info

  • North America
    83%
  • Europe Developed
    9%
  • Asia Emerging
    2%
  • Japan
    2%
  • Australasia
    2%
  • Asia Developed
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic allocation is heavily skewed towards North America, with limited exposure to emerging markets and other developed regions. This concentration enhances potential gains from the U.S. market's growth but also increases exposure to its market-specific risks. Increasing diversification into other regions could help spread risk and tap into growth opportunities in emerging and developed markets outside the U.S.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    21%
  • Mid-cap
    20%
  • Small-cap
    16%
  • Micro-cap
    4%

The portfolio's market capitalization exposure is well-spread across mega, big, medium, small, and micro caps, suggesting a strategy that balances the stability of large companies with the growth potential of smaller firms. This diversification can help mitigate some of the volatility associated with growth-focused investments, though the emphasis on smaller caps may still contribute to overall portfolio 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.

The portfolio's current allocation suggests it is positioned near the Efficient Frontier, indicating an optimal balance between risk and return based on historical data. However, it's important to note that the Efficient Frontier is based on past performance, which doesn't guarantee future results. Regularly reviewing and adjusting the portfolio in response to changing market conditions and investment goals can help maintain this optimal balance.

Dividends Info

  • Schwab Fundamental Emerging Markets Large Company Index ETF 3.80%
  • Fidelity Small-Mid Factor 1.40%
  • Invesco S&P International Developed Momentum ETF 1.70%
  • iShares Russell Mid-Cap Growth ETF 0.30%
  • Schwab U.S. Large-Cap Growth ETF 0.30%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.50%
  • Communication Services Select Sector SPDR® Fund 1.00%
  • Invesco S&P SmallCap Momentum ETF 0.80%
  • Weighted yield (per year) 1.10%

The portfolio's dividend yield strategy, with a total yield of 1.10%, contributes to its total return, providing a steady income stream alongside capital appreciation. The varied yields across ETFs, from high in emerging markets to low in large-cap growth, indicate a balanced approach to income and growth. This strategy can offer a buffer during market volatility, though the focus on growth may limit the overall income potential compared to more income-focused portfolios.

Ongoing product costs Info

  • Schwab Fundamental Emerging Markets Large Company Index ETF 0.39%
  • Fidelity Small-Mid Factor 0.15%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • iShares Russell Mid-Cap Growth ETF 0.23%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Communication Services Select Sector SPDR® Fund 0.09%
  • Invesco S&P SmallCap Momentum ETF 0.39%
  • Weighted costs total (per year) 0.16%

With a total expense ratio (TER) of 0.16%, the portfolio is efficiently managed in terms of costs, which is crucial for long-term growth. Lower costs allow more of the investment returns to compound over time, enhancing growth potential. Continually monitoring and minimizing investment costs remains a key strategy for maximizing returns, especially in growth-oriented portfolios where the impact of costs can be magnified over time.

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