Growth focused stock portfolio with strong US tilt and modest small cap and momentum tilts

Report created on Dec 17, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is almost entirely in stocks, split between a broad US index core, a broad international index, plus tilts to small cap value and momentum. Compared with a simple global stock benchmark, it leans more toward the US and adds factor ETFs to try to boost long‑term returns. That structure matters because nearly 100% stock means bigger swings, but also more growth potential over long horizons. Keeping a low‑cost, broadly diversified core around your tilts helps keep risk somewhat contained. Staying consistent with a simple core‑and‑satellite setup like this and rebalancing periodically can help keep the risk level aligned with a medium‑high growth profile.

Growth Info

Historically, this mix has delivered a very strong compound annual growth rate (CAGR) of about 15.5%. CAGR is just the “average speed” your money grew each year, like checking the average mph on a long road trip. A $10,000 starting amount hypothetically growing at that rate for 10 years would end up around $42,000, while a plain global stock index might have done noticeably less. The tradeoff shows up in the max drawdown of about –35%, meaning a peak‑to‑trough fall of roughly a third. That’s in line with aggressive equity portfolios, so sticking with it through big drops is essential if you want to capture similar long‑run results.

Projection Info

The Monte Carlo analysis uses 1,000 simulations to project many possible futures by remixing historical returns and volatility. Think of it as running “what if” market paths thousands of times. The median outcome suggests roughly a 6–7x increase over the test horizon, with even the 5th percentile still slightly below the starting value, and 986 of 1,000 paths positive. The average simulated annualized return near 18% is high and should be treated cautiously; simulations lean heavily on past patterns that may not repeat. These numbers mainly illustrate the wide range of outcomes a growth‑heavy stock portfolio can experience, reminding you to plan for both excellent and disappointing scenarios.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Asset‑class allocation is essentially 99% stocks and 1% cash, with no meaningful bonds or alternatives. Compared to a typical “growth” benchmark that often holds 10–30% in bonds, this is more aggressive and more exposed to stock market swings. Being almost all‑equity is powerful for long‑horizon compounding but can be emotionally tough during deep bear markets. The positive side is that broad global stock exposure across thousands of companies already gives strong internal diversification within the stock bucket. If a smoother ride or nearer‑term withdrawals are important, gradually adding a small bond or cash sleeve could help cushion drawdowns without completely shifting away from a growth‑oriented stance.

Sectors Info

  • Technology
    27%
  • Financials
    18%
  • Consumer Discretionary
    11%
  • Industrials
    11%
  • Telecommunications
    9%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is well spread, with meaningful allocations to technology, financials, consumer sectors, industrials, and communication services, plus smaller positions in energy, materials, utilities, and real estate. This looks broadly similar to major global equity benchmarks, though a tech and communication services tilt is noticeable. That tilt has helped in recent years but can be more sensitive when interest rates rise or when growth stocks fall out of favor. It’s a positive sign that no single traditional sector totally dominates the portfolio, which supports diversification. Keeping an eye on whether any one theme (like high‑growth or mega‑cap tech) becomes too dominant over time can help manage concentration risk.

Regions Info

  • North America
    72%
  • Europe Developed
    11%
  • Asia Emerging
    5%
  • Japan
    5%
  • Asia Developed
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 72% sits in North America, with the rest spread across developed Europe, Japan, other developed Asia, and a modest slice of emerging markets. This is more US‑heavy than a market‑cap global benchmark, which usually has closer to 60% in the US. A home‑bias tilt is common for US investors and has been rewarded lately, but it does tie your fortunes more to one country’s economic and policy outlook. The good news is there is still meaningful non‑US exposure, which can help if leadership rotates away from US stocks. Over time, nudging the split slightly toward more international exposure could further spread country and currency risk.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    31%
  • Mid-cap
    15%
  • Small-cap
    6%
  • Micro-cap
    5%

By market cap, the portfolio leans toward mega and large companies, with solid exposure to mid caps and a meaningful slice of small and micro caps via the small cap value ETF. This mirrors how major benchmarks are constructed but with a bit of extra small‑cap flavor. Large companies tend to be more stable and easier to hold through stress, while small caps can be more volatile but offer higher long‑term growth potential. This mix is well‑balanced and aligns closely with global standards, yet the extra tilt toward smaller companies should slightly raise both risk and potential return. Sticking to a clear allocation band for each size group can keep that tilt intentional instead of accidental.

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.

On a risk‑return chart (often called the Efficient Frontier), this portfolio likely sits toward the higher‑risk, higher‑return end among all mixes built from these same ETFs. The Efficient Frontier is just the set of combinations that deliver the best expected return for each possible level of volatility. Here, small shifts—like modestly trimming equities in favor of cash or lower‑volatility assets, or slightly adjusting the factor tilts—could move the portfolio closer to the “most efficient” point for a chosen risk level. Efficiency only describes the tradeoff between expected return and volatility; it doesn’t capture personal preferences like simplicity, tax considerations, or desire for income, which still matter a lot.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.59%

The overall dividend yield is around 1.6%, with the international fund providing the highest yield and the momentum ETF the lowest. Dividends are the cash payouts companies share with shareholders and can act like “income plus a small cushion” during flat markets. For a growth‑oriented stock portfolio, a modest yield like this is normal and suggests the focus is on total return (price growth plus dividends), not on current income. That’s often a good fit for long‑term compounding. If at some point regular cash withdrawals become a priority, gradually adding higher‑yielding holdings or a small bond slice could help generate more predictable income without entirely changing the growth focus.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.07%

Total ongoing fund costs are very low at roughly 0.07% per year, which is a big positive. Expense ratios are the annual fee each fund charges, and keeping them low is like reducing the “friction” on your investment engine. Over decades, even a 0.3–0.5% difference in fees can add up to many thousands of dollars, so this cost profile is impressively low and supports better long‑term performance. Using broad, low‑cost index ETFs for the core plus reasonably priced factor funds for tilts keeps the fee drag small. Staying alert to any future fee increases or unnecessary fund overlaps can help preserve this advantage.

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