A diversified growth-focused portfolio with strong tech exposure and global reach
Report created on Oct 24, 2025Risk profile
4/7
Diversification profile
4/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 10.00%
The portfolio is heavily weighted towards ETFs, with a significant 50% in a broad market index, 20% in a tech-focused NASDAQ ETF, another 20% in international stocks, and the remaining 10% in a momentum strategy within the S&P 500. This composition suggests a strategy that leans towards growth, particularly with the tech and momentum ETFs. The heavy allocation in ETFs simplifies the investment process, offering broad exposure across various sectors and geographies, though it also concentrates risk in specific areas, notably technology.
Growth
Historically, the portfolio has shown a Compound Annual Growth Rate (CAGR) of 15.30%, with a maximum drawdown of -27.00%. These figures indicate a strong performance trend, albeit with significant volatility. The days contributing to 90% of returns being concentrated in just 22 days highlight the portfolio's susceptibility to short-term market movements, underscoring the importance of staying invested through market cycles to capture key growth spurts.
Projection
Monte Carlo simulations, which use historical data to forecast a range of possible outcomes, suggest a wide variance in potential future performance. With a median projected growth of 674.5% and 998 out of 1,000 simulations showing positive returns, the outlook appears optimistic. However, it's crucial to remember that these projections are not guarantees but rather hypothetical scenarios based on past trends.
Asset classes
- Stocks 99%
- Cash 1%
The portfolio's asset allocation is almost entirely in stocks (99%), with a minimal cash reserve (1%). This allocation aligns with a growth-oriented strategy but comes with higher volatility and risk. Investors should be comfortable with short-term fluctuations in pursuit of long-term gains. Diversifying within the stock asset class across different sectors and geographies helps manage risk while aiming for growth.
Sectors
- Technology 34%
- Financials 13%
- Telecommunications 11%
- Consumer Discretionary 10%
- Industrials 9%
- Health Care 7%
- Consumer Staples 5%
- Basic Materials 3%
- Energy 3%
- Utilities 2%
- Real Estate 2%
Technology, at 34%, is the most prominent sector, followed by financial services and communication services. This sectoral distribution suggests a tilt towards industries known for innovation and growth but also higher volatility. The presence of defensive sectors like healthcare and consumer staples provides some balance, though the heavy tech weighting defines the portfolio's risk and return profile.
Regions
- North America 81%
- Europe Developed 8%
- Asia Emerging 3%
- Japan 3%
- Asia Developed 2%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
With 81% allocated to North America and the rest spread across developed Europe, emerging Asia, Japan, and other regions, the portfolio has a strong domestic bias with meaningful international exposure. This geographic spread can mitigate region-specific risks and capitalize on global growth opportunities, though the significant home bias may limit exposure to faster-growing economies abroad.
Market capitalization
- Mega-cap 45%
- Large-cap 32%
- Mid-cap 16%
- Small-cap 4%
- Micro-cap 1%
The portfolio's market capitalization breakdown—45% mega, 32% big, 16% medium, 4% small, and 1% micro—indicates a preference for large, established companies, likely contributing to its overall stability and resilience. However, the lower allocation to small and micro-caps suggests a missed opportunity for higher growth potential, albeit with increased 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.
Considering the Efficient Frontier, the current portfolio appears to be positioned for a favorable risk-return trade-off. However, there's always room for improvement, especially in enhancing diversification to reduce risk without significantly compromising potential returns. Regularly reviewing and adjusting asset allocation in response to changing market conditions and personal investment goals can help maintain this optimization.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- Invesco S&P 500® Momentum ETF 0.60%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.25%
The portfolio's dividend yield stands at 1.25%, with the highest yield from the international stock ETF. While not the primary focus of a growth-oriented strategy, dividends contribute to total returns and can provide a modest income stream or be reinvested for compound growth. Given the portfolio's composition, this yield strikes a balance between growth potential and income generation.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Invesco S&P 500® Momentum ETF 0.13%
- 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) 0.07%
With a total expense ratio (TER) of 0.07%, the portfolio benefits from relatively low costs, which is crucial for long-term growth. Lower costs mean more of the investment's return is retained by the investor, a key factor in compounding growth over time. The portfolio's focus on low-cost ETFs is a strategic advantage in managing expenses.
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