A growth-focused portfolio with strong tech exposure and global diversification

Report created on Aug 1, 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 predominantly invested in equities through ETFs, with a heavy allocation towards the Invesco NASDAQ 100 ETF (50%) and the Vanguard S&P 500 ETF (25%), complemented by the Vanguard Total International Stock Index Fund ETF Shares (25%). This composition indicates a growth-oriented strategy, leveraging the performance of the top US and international companies. The allocation towards tech-heavy and large-cap indices suggests a preference for high-growth potential albeit with a concentration risk in specific sectors and geographies.

Growth Info

Historically, this portfolio has shown a Compound Annual Growth Rate (CAGR) of 14.65%, with a maximum drawdown of -30.48%. These figures highlight the portfolio's strong growth potential alongside its susceptibility to significant market downturns. The days contributing to 90% of returns being limited to 18 illustrates the impact of sharp, positive market movements on overall performance, emphasizing the importance of staying invested through market cycles for growth-oriented investors.

Projection Info

Utilizing Monte Carlo simulations, which project future performance based on historical data, we see a broad range of outcomes. While past performance is not indicative of future results, these simulations suggest a high likelihood of positive returns, with the median outcome significantly surpassing the initial investment. However, investors should remain aware of the inherent limitations of relying solely on historical data for future projections.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's allocation is almost entirely in stocks (99%), with a minimal cash holding (1%). This asset class distribution underscores the portfolio's growth focus but also its higher risk profile, given the volatility associated with equities. Diversifying across different asset classes could provide a buffer against stock market fluctuations, potentially stabilizing returns over time.

Sectors Info

  • Technology
    38%
  • Consumer Discretionary
    12%
  • Telecommunications
    12%
  • Financials
    9%
  • Industrials
    8%
  • Health Care
    7%
  • Consumer Staples
    6%
  • Basic Materials
    3%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    1%

With 38% in technology, followed by consumer cyclicals and communication services, the portfolio is positioned to capitalize on sectors that typically exhibit high growth. However, this concentration also exposes it to sector-specific risks. Balancing sector allocations can mitigate this risk, ensuring that the portfolio is less vulnerable to downturns in any single sector.

Regions Info

  • North America
    76%
  • Europe Developed
    11%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Latin America
    1%
  • Africa/Middle East
    1%

The geographic allocation shows a strong bias towards North America (76%), with modest exposure to developed Europe, emerging Asia, and other regions. This distribution reflects a focus on established markets with a side allocation to international diversification. Expanding into underrepresented regions could enhance global exposure, potentially tapping into emerging market growth opportunities.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    33%
  • Mid-cap
    14%
  • Small-cap
    1%

The emphasis on mega (50%) and big (33%) cap stocks demonstrates a preference for established, large companies known for their stability and growth potential. While this focus supports the portfolio's growth objectives, incorporating a broader range of market capitalizations could enhance diversification and exposure to high-growth small and micro-cap companies.

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 current allocation demonstrates a strong alignment with the Efficient Frontier, indicating an optimized risk-return profile based on historical data. While this suggests the portfolio is well-positioned for growth, continuous monitoring and rebalancing in response to changing market conditions and personal financial goals are essential for maintaining this optimization.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.28%

The portfolio's dividend yield stands at an average of 1.28%, contributed by the individual yields of its constituent ETFs. While not the primary focus, these dividends can offer a steady income stream and reinvestment opportunities, enhancing long-term growth. Balancing growth and income-generating assets could further optimize this aspect.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.10%

With an overall expense ratio of 0.10%, the portfolio benefits from relatively low costs, which is crucial for maximizing long-term returns. Keeping costs low is a key factor in investment success, especially when compounded over many years. This portfolio exemplifies efficient cost management, aligning with best practices for long-term growth strategies.

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