A growth-focused portfolio with a strong tilt towards US equities and a diverse market cap exposure

Report created on Sep 8, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is heavily weighted towards US equities, with a significant allocation in Vanguard S&P 500 ETF, iShares Russell Mid-Cap ETF, and Vanguard Russell 2000 Index Fund ETF Shares, making up over 87% of the geographic allocation. This concentration suggests a strong belief in the US market's growth potential. The diversification across market capitalizations, from mega to micro, indicates an attempt to capture growth across the spectrum of company sizes, though it leans heavily towards larger companies.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 12.52% and a maximum drawdown of -37.32%, the portfolio has shown robust growth with significant volatility. The days that make up 90% of returns being concentrated in just 26.0 days highlights the portfolio's susceptibility to short-term market movements, which is characteristic of equity-heavy portfolios. This performance pattern underscores the importance of staying invested over the long term to capture key growth days.

Projection Info

Monte Carlo simulations, which project future performance based on historical data, show a wide range of outcomes, with a median 50th percentile growth of 206.2%. While these projections can provide a sense of potential future performance, it's crucial to remember that they are based on past data and cannot predict future market conditions with certainty. Diversification and regular portfolio reviews remain essential strategies for managing risk.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is nearly entirely in stocks (99%), with a minimal cash holding (1%). This allocation is typical for growth-oriented portfolios aiming for higher returns, albeit with increased risk. The lack of bonds or other asset classes suggests a high tolerance for volatility but also highlights an opportunity to potentially smooth out returns and reduce risk through broader diversification.

Sectors Info

  • Technology
    22%
  • Financials
    16%
  • Industrials
    13%
  • Consumer Discretionary
    11%
  • Health Care
    10%
  • Telecommunications
    6%
  • Real Estate
    5%
  • Consumer Staples
    5%
  • Energy
    4%
  • Utilities
    4%
  • Basic Materials
    4%

Sector allocation is well-diversified across technology, financial services, industrials, consumer cyclicals, and healthcare, making up the bulk of the portfolio. This sector spread is beneficial for capturing growth in different areas of the economy. However, the technology sector's large weighting could expose the portfolio to higher volatility, especially in market downturns or tech-specific corrections.

Regions Info

  • North America
    87%
  • Asia Emerging
    4%
  • Europe Developed
    3%
  • Asia Developed
    2%
  • Africa/Middle East
    1%
  • Japan
    1%
  • Latin America
    1%

The geographic allocation is predominantly in North America (87%), with minimal exposure to emerging markets and other developed regions. This concentration enhances the portfolio's growth potential but also increases its vulnerability to US market fluctuations. Increasing international exposure could offer additional diversification benefits and access to growth outside the US.

Market capitalization Info

  • Mid-cap
    29%
  • Mega-cap
    20%
  • Small-cap
    20%
  • Large-cap
    16%
  • Micro-cap
    14%

The balanced exposure across different market capitalizations, from mega to micro, is a strength, providing a blend of stability from larger companies and growth potential from smaller firms. This mix supports the portfolio's growth objectives while offering some level of risk mitigation through diversification across company sizes.

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 a strong growth orientation, optimized towards US equities. While the Efficient Frontier analysis could indicate potential for risk-return optimization, it's important to remember that efficiency is about achieving the best possible balance between risk and return. Regular reviews and adjustments might further optimize this balance, especially considering global diversification and asset class inclusion.

Dividends Info

  • iShares Russell Mid-Cap ETF 1.30%
  • iShares Core MSCI Total International Stock ETF 2.90%
  • Fidelity® Government Money Market Fund 3.10%
  • SPDR® Portfolio Emerging Markets ETF 2.60%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Russell 2000 Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 1.43%

The dividend yield across the portfolio averages 1.43%, contributing to the total return. While growth is the primary focus, dividends offer a secondary benefit of income, which can be reinvested for compounding growth. The relatively low yield is consistent with the growth-oriented strategy, as such investments typically reinvest profits rather than distribute them as dividends.

Ongoing product costs Info

  • iShares Russell Mid-Cap ETF 0.19%
  • iShares Core MSCI Total International Stock ETF 0.07%
  • SPDR® Portfolio Emerging Markets ETF 0.07%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Russell 2000 Index Fund ETF Shares 0.10%
  • Weighted costs total (per year) 0.10%

The total Expense Ratio (TER) of 0.10% is impressively low, enhancing long-term compounding by minimizing cost drag on performance. Keeping costs low is crucial for maximizing returns, especially in a growth-focused portfolio where every percentage point of return matters.

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