Strategically constructed growth-focused portfolio with a blend of index funds and ETFs

Report created on Jul 20, 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 characterized by a substantial allocation to index funds and ETFs, focusing predominantly on stocks across various sectors and geographies. With 47.87% in a total market index fund, it demonstrates a strong preference for broad market exposure. The inclusion of both extended market and international index funds, alongside specific ETFs targeting sectors like technology and cybersecurity, indicates a strategy aimed at capturing growth across a wide spectrum of the market. This diversified approach is designed to mitigate risk while pursuing growth, aligning with a growth-oriented risk profile.

Growth Info

The portfolio has shown a Compound Annual Growth Rate (CAGR) of 12.47%, with a maximum drawdown of -36.32%. These figures suggest that while the portfolio has experienced significant growth, it has also faced substantial volatility, likely due to its heavy stock concentration. The days contributing to 90% of returns being limited to 15.0 indicates that a small number of high-performing days have driven a significant portion of the portfolio's overall returns, a common characteristic of equity-focused investments.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with a median increase of 338.2%, underscoring the potential for substantial growth. However, the simulations also highlight the inherent uncertainty and risk of such a strategy, with a 5th percentile outcome of just 1.2% growth. This analysis, while based on historical data, serves as a reminder that past performance is not indicative of future results, and investors should be prepared for a broad spectrum of potential outcomes.

Asset classes Info

  • Stocks
    100%

The portfolio's assets are exclusively in stocks, providing no cushion against market volatility through bonds or other less volatile asset classes. While this maximizes potential growth, it also increases the portfolio's sensitivity to market downturns. Diversifying across different asset classes could provide a more balanced risk-return profile, especially for investors who may be concerned about short-term market fluctuations.

Sectors Info

  • Technology
    25%
  • Financials
    16%
  • Industrials
    12%
  • Health Care
    11%
  • Consumer Discretionary
    9%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Real Estate
    4%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    3%
  • Consumer Discretionary
    2%

With technology and financial services sectors representing a significant portion of the portfolio, there's a clear tilt towards industries that can offer high growth but also come with higher volatility. This sectoral allocation supports the portfolio's growth objectives but may increase susceptibility to sector-specific downturns. Balancing with more defensive sectors could offer stability during market volatility.

Regions Info

  • North America
    84%
  • Europe Developed
    7%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%
  • Latin America
    1%

The portfolio's geographic allocation is heavily weighted towards North America, with smaller exposures to developed Europe, emerging Asia, and other regions. This concentration in developed markets, especially the U.S., aligns with a growth strategy but limits exposure to potential high-growth opportunities in emerging markets. A more global diversification could reduce geographic risk and tap into growth outside of North America.

Market capitalization Info

  • Mega-cap
    32%
  • Large-cap
    24%
  • Mid-cap
    19%
  • Small-cap
    18%
  • Micro-cap
    6%

The market capitalization breakdown shows a balanced exposure across mega, big, medium, small, and micro-cap stocks. This diversified approach across the market cap spectrum is beneficial for capturing growth opportunities in both established and emerging companies, though the allocation to smaller caps may add volatility.

Redundant positions Info

  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND INSTITUTIONAL SHARES
    Vanguard Total International Stock Index Fund ETF Shares
    FIDELITY ZERO INTERNATIONAL INDEX FUND
    High correlation
  • FIDELITY ZERO EXTENDED MARKET INDEX FUND
    Vanguard Extended Market Index Fund ETF Shares
    Vanguard Small-Cap Index Fund ETF Shares
    High correlation
  • Vanguard Total Stock Market Index Fund ETF Shares
    FIDELITY ZERO TOTAL MARKET INDEX FUND
    Vanguard S&P 500 ETF
    High correlation

High correlation among certain groups of assets, particularly within international stock funds and between total market, extended market, and S&P 500 exposures, suggests redundancy that may not contribute to diversification. Reducing overlapping investments could streamline the portfolio and potentially enhance its risk-adjusted performance by eliminating redundant exposures.

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.

Optimizing the portfolio involves addressing the high correlation among certain assets to improve diversification. By reducing overlap, particularly in highly correlated international and extended market funds, the portfolio could achieve a more efficient risk-return profile. This process should focus on retaining assets that align with the growth objective while eliminating redundancies.

Dividends Info

  • First Trust NASDAQ Cybersecurity ETF 0.30%
  • FIDELITY ZERO INTERNATIONAL INDEX FUND 2.50%
  • FIDELITY ZERO EXTENDED MARKET INDEX FUND 1.20%
  • FIDELITY ZERO TOTAL MARKET INDEX FUND 1.10%
  • iShares Semiconductor ETF 0.70%
  • Vanguard Small-Cap Index Fund ETF Shares 1.40%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND INSTITUTIONAL SHARES 2.10%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Vanguard Extended Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.36%

The portfolio's average dividend yield of 1.36% contributes to its total return, complementing capital gains with income. However, the focus on growth-oriented assets, which typically have lower dividend yields, reflects a strategic choice to prioritize capital appreciation over income generation. Investors seeking regular income might consider increasing allocations to higher-yielding assets.

Ongoing product costs Info

  • First Trust NASDAQ Cybersecurity ETF 0.59%
  • iShares Semiconductor ETF 0.35%
  • Vanguard Small-Cap Index Fund ETF Shares 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND INSTITUTIONAL SHARES 0.06%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard Extended Market Index Fund ETF Shares 0.06%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.01%

The portfolio's total expense ratio (TER) is exceptionally low, enhancing its long-term return potential by minimizing cost drag. This cost efficiency is a significant strength, particularly given the broad exposure to various market segments. Keeping costs low is crucial for maximizing compounding growth over time.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey