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Growth-oriented portfolio with a strong tech emphasis and global diversification

Report created on Jun 8, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

This portfolio is heavily weighted towards U.S. large-cap stocks, with a significant emphasis on the technology sector. The allocation includes a mix of growth and fundamental index ETFs, indicating a strategy that blends market performance with underlying company metrics. The inclusion of international and emerging market ETFs adds a layer of global diversification, albeit with a strong home country bias. The singular focus on equities, without bonds or alternative asset classes, suggests a high growth potential but also a higher risk profile.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 14.41% and a maximum drawdown of -33.90%, the portfolio demonstrates robust growth with significant volatility. The days contributing to 90% of returns highlight the impact of short-term gains, underscoring the tech sector's influence. Comparing this to a diversified benchmark could provide insight into risk-adjusted returns, as high concentration in one sector can lead to increased volatility.

Projection Info

Monte Carlo simulations, using historical data to forecast future performance, suggest a wide range of outcomes with the majority of scenarios indicating positive growth. This projection method, while useful, is limited by its reliance on past performance, which is not a guaranteed predictor of future results. Diversifying beyond highly correlated assets could mitigate risk and potentially stabilize returns across various market conditions.

Asset classes Info

  • Stocks
    100%

The portfolio's allocation is exclusively in stocks, which is typical for growth-oriented investors seeking higher returns. However, the absence of bonds or cash equivalents limits opportunities for risk management through diversification. Incorporating different asset classes could reduce volatility and provide a buffer during market downturns, aligning with a more balanced risk-return profile.

Sectors Info

  • Technology
    38%
  • Financials
    13%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Industrials
    7%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    1%

The technology sector dominates this portfolio, comprising 38% of the allocation. While the tech sector offers significant growth opportunities, it also introduces heightened volatility, especially during market corrections or interest rate hikes. Balancing sector exposure by increasing allocations to less volatile sectors like healthcare or consumer staples could provide a more stable return profile.

Regions Info

  • North America
    76%
  • Europe Developed
    8%
  • Asia Emerging
    6%
  • Japan
    4%
  • Asia Developed
    3%
  • Latin America
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%

While the portfolio has a global reach, its 76% allocation to North America reflects a strong home country bias. Expanding exposure to developed markets in Europe and emerging markets in Asia and Latin America could enhance diversification benefits, potentially reducing volatility and improving long-term returns.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    31%
  • Mid-cap
    17%
  • Small-cap
    3%
  • Micro-cap
    1%

The focus on mega and big-cap companies suggests confidence in established firms, which typically offer stability and consistent dividends. However, incorporating medium, small, or micro-cap stocks could enhance growth potential and diversification, albeit with increased risk.

Redundant positions Info

  • Vanguard Information Technology Index Fund ETF Shares
    Schwab U.S. Large-Cap ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The high correlation among the Vanguard Information Technology Index Fund ETF Shares, Schwab U.S. Large-Cap ETF, and Schwab U.S. Large-Cap Growth ETF limits diversification benefits. Reducing overlap by reallocating assets could decrease portfolio volatility without significantly compromising growth potential.

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.

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Before optimizing, the portfolio would benefit from addressing its highly correlated assets to enhance diversification. By reallocating from overlapping investments to underrepresented sectors or asset classes, the portfolio could achieve a more efficient risk-return profile, potentially moving closer to the Efficient Frontier.

Dividends Info

  • Schwab Fundamental Emerging Markets Large Company Index ETF 4.40%
  • Schwab Fundamental International Large Company Index ETF 3.40%
  • Schwab Fundamental U.S. Large Company Index ETF 1.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab U.S. Large-Cap ETF 1.20%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Weighted yield (per year) 1.68%

The portfolio's overall dividend yield of 1.68% contributes to total returns, with the highest yield coming from emerging market ETFs. While growth is the primary focus, dividends can offer a steady income stream, which could be particularly beneficial during market downturns or for investors seeking income in addition to capital appreciation.

Ongoing product costs Info

  • Schwab Fundamental Emerging Markets Large Company Index ETF 0.39%
  • Schwab Fundamental International Large Company Index ETF 0.25%
  • Schwab Fundamental U.S. Large Company Index ETF 0.25%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab U.S. Large-Cap ETF 0.03%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Weighted costs total (per year) 0.14%

With a Total Expense Ratio (TER) of 0.14%, the portfolio is cost-efficient, enhancing net returns over the long term. Lower costs are crucial for long-term growth, as they compound alongside investment returns. Maintaining focus on cost efficiency, especially when considering new investments or reallocating assets, remains important.

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