Growth-oriented portfolio with a strong tech tilt and global exposure

Report created on Oct 15, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

The portfolio is predominantly invested in equities, with a 40% allocation in a broad market ETF, 30% in a tech-focused ETF, and 20% in an international stock ETF, showcasing a strategic emphasis on growth sectors and global diversification. The remaining 10% is split between bonds and dividend-yielding equities, providing a modest income component and some risk mitigation. This composition suggests a growth-oriented approach with a heavy tilt towards technology and a comprehensive geographic spread, albeit with a significant concentration in North American assets.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 14.63% and a maximum drawdown of -30.76%, the portfolio has demonstrated robust growth potential, albeit with significant volatility. The days contributing to 90% of returns being concentrated in just 21 days indicate that the portfolio's performance can be highly sporadic, emphasizing the importance of staying invested during volatile periods to capture gains. This performance, coupled with a relatively high risk score, reflects the portfolio's aggressive growth strategy.

Projection Info

Monte Carlo simulations project a wide range of potential outcomes, with a median growth of 308.9%, highlighting the portfolio's strong growth potential. However, the significant spread between the 5th and 67th percentiles underscores the inherent uncertainty and risk associated with high-growth investments. Investors should consider these projections as one of many tools, keeping in mind that past performance and simulated outcomes do not guarantee future results.

Asset classes Info

  • Stocks
    94%
  • Bonds
    5%
  • Cash
    1%

The asset allocation is heavily skewed towards stocks (94%), with a minimal bond presence (5%) and negligible cash holdings (1%). This allocation underscores the portfolio's growth focus but also its susceptibility to market volatility. Diversifying further into bonds or alternative assets could provide better risk-adjusted returns, especially during market downturns.

Sectors Info

  • Technology
    33%
  • Consumer Discretionary
    11%
  • Financials
    11%
  • Telecommunications
    10%
  • Industrials
    8%
  • Health Care
    7%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

The sector allocation reveals a significant emphasis on technology (33%), followed by consumer cyclicals and financial services. This concentration in tech and growth sectors is consistent with the portfolio's overall strategy but may increase volatility and risk. Diversifying into more defensive sectors could help mitigate this risk without significantly compromising growth potential.

Regions Info

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

With 76% of assets in North America and limited exposure to emerging markets, the portfolio is heavily reliant on the performance of developed markets, particularly the U.S. Increasing exposure to emerging markets and other developed regions could enhance diversification and potentially tap into higher growth rates in these areas.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    31%
  • Mid-cap
    16%
  • Small-cap
    4%
  • Micro-cap
    1%

The focus on mega (42%) and big (31%) cap stocks indicates a preference for established, large companies, likely contributing to the portfolio's strong historical performance. However, incorporating more medium and small-cap stocks could enhance growth prospects and diversification, albeit at a higher 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 current allocation suggests room for optimization towards the Efficient Frontier, where the portfolio could achieve a better risk-return balance. Adjusting the asset mix to include more diversification across asset classes and sectors could enhance the portfolio's efficiency, potentially offering higher returns for the same level of risk.

Dividends Info

  • Vanguard Total World Bond ETF 4.00%
  • Invesco QQQ Trust 0.40%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.51%

The overall dividend yield of 1.51% adds a modest income component to the portfolio, complementing its growth orientation. However, focusing on higher-yielding assets or dividend growth strategies could enhance income without significantly compromising growth potential, providing a buffer during market volatility.

Ongoing product costs Info

  • Vanguard Total World Bond ETF 0.05%
  • Invesco QQQ Trust 0.20%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • 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) 0.09%

The portfolio's total expense ratio (TER) of 0.09% is impressively low, maximizing net returns for investors. This cost efficiency is a critical component of long-term investment success, especially in growth-oriented portfolios where compound returns can significantly amplify the impact of costs.

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