Growth-oriented portfolio with high tech exposure and global diversification

Report created on Aug 27, 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 strong focus on growth, with 60% allocated to the Vanguard Total Stock Market Index Fund ETF, reflecting a broad exposure to the U.S. market. The inclusion of the Invesco NASDAQ 100 ETF and VanEck Semiconductor ETF, totaling 25%, further emphasizes a tech-heavy orientation. The Vanguard Total International Stock Index Fund ETF adds a 15% allocation towards international stocks, enhancing geographic diversification. This composition suggests an aggressive growth strategy, leveraging both broad market and sector-specific investments.

Growth Info

With a historical Compound Annual Growth Rate (CAGR) of 16.03% and a maximum drawdown of -29.45%, the portfolio demonstrates strong past performance, albeit with significant volatility. The days contributing to 90% of returns being concentrated in just 20 days highlights the portfolio's susceptibility to short-term market movements, a common characteristic of growth-oriented investments. This performance, while impressive, underscores the importance of risk tolerance in growth investing.

Projection Info

Monte Carlo simulations, using 1,000 iterations, suggest a wide range of potential outcomes with a median increase of 824.9%, indicating substantial growth potential. However, the 5th percentile outcome at 115.7% growth cautions against over-optimism, as it reflects the inherent uncertainty and risk. These projections, while informative, are based on historical data and cannot guarantee future returns, emphasizing the need for ongoing portfolio review and adjustment.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is heavily weighted towards stocks (99%), with a minimal cash holding (1%). This allocation supports the portfolio's growth objectives but also increases volatility and risk. The lack of diversification into other asset classes, such as bonds or real estate, may limit opportunities for risk mitigation during market downturns. Consideration of a more balanced asset class distribution could enhance long-term stability without significantly compromising growth potential.

Sectors Info

  • Technology
    30%
  • Financials
    12%
  • Consumer Discretionary
    10%
  • Telecommunications
    9%
  • Industrials
    8%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

The sectoral allocation reveals a significant emphasis on technology (30%), with financial services and consumer cyclicals following. This concentration in tech, while potentially lucrative, exposes the portfolio to sector-specific risks, such as regulatory changes or shifts in consumer behavior. Diversifying across a broader range of sectors could reduce volatility and provide more stable returns, particularly in turbulent market periods.

Regions Info

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

Geographically, the portfolio is heavily weighted towards North America (84%), with modest exposure to developed Europe (7%) and Asia. While this reflects the dominance of U.S. markets in global finance, it also indicates potential underexposure to emerging markets and other developed regions, which could offer growth opportunities and risk diversification benefits. Expanding geographic exposure could enhance returns and reduce region-specific risks.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    33%
  • Mid-cap
    16%
  • Small-cap
    4%
  • Micro-cap
    1%

The portfolio's market capitalization breakdown shows a strong lean towards mega (44%) and big (33%) cap stocks, indicating a preference for large, established companies. While this can offer stability and reliable dividends, incorporating more medium, small, or micro-cap stocks could introduce higher growth potential and diversification benefits, 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 portfolio appears to be positioned for high returns but with corresponding high risk, as indicated by its risk score of 5 out of 7. While the current allocation aligns with a growth-focused strategy, there may be room for optimization to achieve a better risk-return balance. Adjusting asset allocations could potentially enhance returns or reduce volatility, improving the portfolio's overall efficiency.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • VanEck Semiconductor ETF 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.24%

The overall dividend yield of 1.24% indicates a moderate contribution to total returns, primarily from the Vanguard Total International Stock Index Fund ETF. For a growth-focused portfolio, this yield is reasonable, as the emphasis is on capital appreciation. However, investors seeking income alongside growth might consider adjusting allocations to increase the dividend yield without significantly impacting growth potential.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • VanEck Semiconductor ETF 0.35%
  • 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) 0.08%

The portfolio's total expense ratio (TER) of 0.08% is impressively low, enhancing its attractiveness by minimizing costs. This efficiency is crucial for maximizing long-term returns, especially in growth-oriented strategies where compound interest plays a significant role. The low costs are a positive aspect, ensuring that more of the investment's returns are retained by the investor.

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