Growth-oriented portfolio with strong tech focus and strategic bond positioning

Report created on Jul 23, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is a blend of 83% stocks, 12% bonds, and 5% real estate, showcasing a growth-oriented approach with a moderate to high risk profile. The majority stock allocation is appropriate for growth but comes with increased volatility. The bond and real estate holdings provide some diversification benefits, potentially reducing overall portfolio volatility. However, the heavy leaning towards technology and financial services sectors could expose the portfolio to sector-specific risks.

Growth Info

Historically, this portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 15.86%, with a significant max drawdown of -30.68%. These figures indicate a high-reward but also high-risk profile, underlined by the days contributing most to returns. Such performance, while impressive, should be weighed against the backdrop of market cycles and the inherent volatility in tech and growth stocks.

Projection Info

Monte Carlo simulations project a wide range of outcomes, emphasizing the uncertainty inherent in investing. With a median projected growth of 592.3%, the simulations underscore the potential for significant gains. However, the presence of a 5th percentile outcome at -16.3% also highlights the risk of loss. These projections, while useful for understanding potential volatility and reward, are based on historical data and cannot guarantee future results.

Asset classes Info

  • Stocks
    83%
  • Bonds
    12%
  • Real Estate
    5%

The allocation across stocks, bonds, and real estate is a classic growth portfolio setup, aiming for long-term capital appreciation with a cushion against stock market volatility provided by bonds. This mix supports a strategy focused on growth while acknowledging the need for risk management through diversification across asset classes.

Sectors Info

  • Technology
    36%
  • Financials
    15%
  • Health Care
    8%
  • Industrials
    6%
  • Real Estate
    5%
  • Consumer Discretionary
    5%
  • Telecommunications
    4%
  • Utilities
    4%
  • Consumer Staples
    3%
  • Energy
    2%
  • Basic Materials
    1%

The technology sector's dominant 36% allocation reflects a conviction in tech's growth prospects but also increases susceptibility to sector-specific downturns. Financial services and healthcare are well-represented, offering balance. However, the limited exposure to defensive sectors like consumer staples or utilities could mean less protection in market downturns.

Regions Info

  • North America
    74%
  • Asia Emerging
    8%
  • Europe Developed
    2%
  • Asia Developed
    1%
  • Africa/Middle East
    1%
  • Japan
    1%

With 74% of assets in North America and a notable 8% in emerging Asian markets, the geographic distribution supports growth but with geographical concentration risk. Diversifying more into developed international markets or underrepresented regions could provide additional risk mitigation and exposure to global growth opportunities.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    31%
  • Mid-cap
    14%
  • No data
    3%
  • Small-cap
    2%

The focus on mega and big cap stocks (68% combined) is typical for a growth strategy seeking stability and proven performance. However, the inclusion of medium, small, and micro caps, albeit limited, is crucial for diversification and accessing higher growth potential in smaller companies.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Russell 1000 Growth Index Fund ETF Shares
    High correlation

The high correlation between the Vanguard S&P 500 ETF and Vanguard Russell 1000 Growth Index Fund ETF Shares suggests redundancy, limiting the diversification benefits. Reducing overlap by reallocating from highly correlated assets could enhance portfolio efficiency without necessarily increasing 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.

Optimization analysis suggests that an adjusted portfolio could achieve a higher expected return of 47.01% with a similar risk level. This implies potential for improved performance through strategic reallocation, particularly by addressing asset overlap and enhancing sector and geographic diversification.

Dividends Info

  • Applied Materials Inc 0.90%
  • Broadcom Inc 0.80%
  • Vanguard Total Bond Market Index Fund ETF Shares 3.80%
  • First Trust NASDAQ Cybersecurity ETF 0.30%
  • JPMorgan Chase & Co. 5.80%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Taiwan Semiconductor Manufacturing 1.10%
  • Vanguard Real Estate Index Fund ETF Shares 3.80%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Tax-Exempt Bond Index Fund ETF Shares 3.30%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Financial Select Sector SPDR® Fund 1.40%
  • Utilities Select Sector SPDR® Fund 2.70%
  • Health Care Select Sector SPDR® Fund 1.80%
  • Weighted yield (per year) 1.78%

The portfolio's dividend yield of 1.78% contributes to total returns, balancing growth with income. Especially in growth-oriented portfolios, dividends can provide a steady income stream and potential for reinvestment, enhancing compounding effects. However, the focus should remain on total return rather than yield chasing.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • First Trust NASDAQ Cybersecurity ETF 0.59%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Real Estate Index Fund ETF Shares 0.12%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares 0.08%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Tax-Exempt Bond Index Fund ETF Shares 0.05%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Financial Select Sector SPDR® Fund 0.09%
  • Utilities Select Sector SPDR® Fund 0.09%
  • Health Care Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.07%

With a total expense ratio (TER) of 0.07%, the portfolio is cost-efficient, maximizing net returns for the investor. Lower costs are crucial for long-term growth, as even small differences in fees can significantly impact compounded returns over time.

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