A balanced growth portfolio with a strong tilt towards momentum and dividend-yielding stocks

Report created on Nov 25, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio predominantly invests in ETFs, with a significant emphasis on momentum and dividend-yielding strategies, represented by the Invesco S&P 500® Momentum ETF and Schwab U.S. Dividend Equity ETF, respectively. The allocation is heavily weighted towards equities, with a 100% stock allocation, indicating a growth-oriented strategy. The diversification across sectors and geographies, while primarily focused on North America, includes exposure to developed and emerging markets abroad, aiming to balance risk and return.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 23.51% and a maximum drawdown of -16.68%, the portfolio has demonstrated strong historical performance. The days contributing to 90% of returns highlight the impact of significant market movements on performance. However, it's crucial to remember that past performance is not indicative of future results, and high returns often come with higher risks.

Projection Info

Monte Carlo simulations project a wide range of potential outcomes, with the 50th percentile suggesting a 1,432.7% return. This method, while useful for understanding possible future scenarios, relies on historical data and cannot predict unforeseen market changes. Investors should consider these projections as one of many tools in making informed decisions.

Asset classes Info

  • Stocks
    100%

The portfolio's exclusive allocation to stocks, without bonds or alternative asset classes, suggests a higher risk tolerance and a focus on capital growth over income or stability. While this can offer higher returns, it also exposes the portfolio to greater market volatility. Diversifying across different asset classes could provide a buffer during downturns.

Sectors Info

  • Financials
    21%
  • Technology
    21%
  • Industrials
    11%
  • Telecommunications
    9%
  • Consumer Discretionary
    8%
  • Consumer Staples
    8%
  • Energy
    8%
  • Health Care
    6%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    1%

Sector allocation is balanced, with significant investments in Financial Services and Technology, followed by Industrials and Communication Services. This sector spread is conducive to capturing growth while mitigating risks through diversification. However, the heavy allocation to Technology and Financial Services sectors may increase volatility, given their sensitivity to market cycles.

Regions Info

  • North America
    79%
  • Europe Developed
    9%
  • Japan
    4%
  • Asia Emerging
    3%
  • Asia Developed
    2%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic distribution is heavily weighted towards North America (79%), with modest exposure to developed and emerging markets abroad. This concentration benefits from the stability and growth potential of the U.S. market but may limit exposure to global growth opportunities. Increasing allocations to emerging and developed markets outside the U.S. could enhance diversification and potential returns.

Market capitalization Info

  • Large-cap
    40%
  • Mega-cap
    30%
  • Mid-cap
    21%
  • Small-cap
    5%
  • Micro-cap
    2%

The portfolio's market capitalization breakdown indicates a balanced approach, with a mix of big, mega, and medium-cap stocks. This blend aims to capture the growth potential of smaller companies while relying on the stability of larger corporations. However, the relatively lower allocation to small and micro-cap stocks may limit exposure to high-growth opportunities in these segments.

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 appears well-positioned on the Efficient Frontier, suggesting an optimal risk-return balance based on its current composition. However, continuous evaluation and potential reallocation between assets can further enhance this balance. It's important to periodically review the portfolio to ensure it remains aligned with investment goals and market conditions.

Dividends Info

  • American Century ETF Trust 2.10%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 3.90%
  • Weighted yield (per year) 2.08%

The dividend yields across the ETFs contribute to the portfolio's total yield of 2.08%, providing a steady income stream in addition to potential capital gains. This approach balances growth with income generation, appealing to investors seeking both. However, the overall yield could be optimized by rebalancing allocations towards higher-yielding assets without significantly increasing risk.

Ongoing product costs Info

  • American Century ETF Trust 0.26%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Weighted costs total (per year) 0.16%

The portfolio's total expense ratio (TER) of 0.16% is relatively low, which is beneficial for long-term growth as lower costs translate to higher net returns. Keeping costs low is crucial in maximizing investment performance, especially in a fully equity-based portfolio where transaction and management fees can erode returns over time.

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