A growth-focused portfolio with a strong tilt towards technology and international diversification

Report created on Aug 3, 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 primarily composed of three ETFs, focusing on the total stock market, international stocks, and the information technology sector. With 55% allocated to the Vanguard Total Stock Market Index Fund ETF Shares, 30% to the Vanguard Total International Stock Index Fund ETF Shares, and 15% to the Vanguard Information Technology Index Fund ETF Shares, it showcases a growth-oriented strategy with a significant emphasis on technology. This allocation reflects a broad diversification across sectors and geographies, albeit with a notable concentration in tech stocks.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 13.25%, with a maximum drawdown of -33.89%. The days contributing most significantly to returns underscore the portfolio's potential for volatility but also its capacity for remarkable gains. Comparing these metrics to benchmarks can provide insight into the portfolio's relative risk and return profile, indicating a performance that aligns with its growth-focused risk classification.

Projection Info

Monte Carlo simulations, using historical data to forecast potential outcomes, suggest a wide range of future performance scenarios for this portfolio. With key percentiles indicating anywhere from 68% to over 776.8% growth, there's a high degree of uncertainty, yet a strong likelihood of positive returns, as evidenced by 993 out of 1,000 simulations ending positively. This underscores the portfolio's growth potential while highlighting the inherent risks of stock-focused investments.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is heavily skewed towards stocks, with 99% in equities and only 1% in cash. This allocation is consistent with its growth profile and risk score of 5 out of 7, indicating a higher tolerance for volatility. However, investors should be aware that such heavy reliance on equities can lead to significant fluctuations in portfolio value, especially in volatile market conditions.

Sectors Info

  • Technology
    36%
  • Financials
    15%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Basic Materials
    3%
  • Energy
    3%
  • Real Estate
    2%
  • Utilities
    2%

With 36% allocated to technology, followed by financial services and industrials, the portfolio's sector distribution underscores its growth orientation. This tech-heavy focus may increase exposure to sector-specific risks but also offers potential for higher returns, given the sector's historical performance. Diversifying across additional sectors could help mitigate some of this risk while still capturing growth opportunities.

Regions Info

  • North America
    72%
  • Europe Developed
    12%
  • Asia Emerging
    5%
  • Japan
    5%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic allocation reveals a strong preference for North American equities (72%), with significant positions in developed Europe and emerging Asian markets. This distribution supports global diversification, reducing the portfolio's vulnerability to region-specific economic downturns. However, the underrepresentation of emerging markets outside Asia could be a missed opportunity for higher growth rates and further diversification.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    30%
  • Mid-cap
    17%
  • Small-cap
    6%
  • Micro-cap
    2%

The portfolio's emphasis on mega (44%) and big (30%) cap stocks aligns with its growth and risk profile, offering a balance between stability and potential for appreciation. Medium, small, and micro-cap stocks, though less represented, introduce diversity and the possibility of higher returns at increased risk levels. Adjusting the balance among these categories could fine-tune the portfolio's risk-return characteristics.

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 an attempt to balance growth potential with risk, as indicated by its risk score and diversification metrics. However, utilizing the Efficient Frontier concept could identify opportunities to achieve a more optimal risk-return ratio. This might involve adjusting the balance between high-growth sectors and more stable investments, or between domestic and international exposures.

Dividends Info

  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.60%

The portfolio's overall dividend yield of 1.60% reflects its growth focus, with lower emphasis on income generation. While the Vanguard Total International Stock Index Fund ETF Shares offer a higher yield, the portfolio's primary aim appears to be capital appreciation rather than income. For investors seeking regular income, rebalancing to include higher-yielding assets could be beneficial.

Ongoing product costs Info

  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • 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) 0.05%

With a total expense ratio (TER) of 0.05%, the portfolio benefits from low costs, maximizing the potential for net returns. Low costs are crucial for long-term growth, as they allow a larger portion of investment returns to compound over time. This cost efficiency is a significant strength of the portfolio.

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