Growth-focused portfolio with heavy technology sector exposure and global diversification

Report created on Nov 4, 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 heavily weighted towards the technology sector, with 50% of its allocation in the Vanguard Information Technology Index Fund ETF Shares. The remaining assets are distributed between the Vanguard S&P 500 ETF (30%) and the Vanguard Total International Stock Index Fund ETF Shares (20%). This composition reflects a growth-oriented strategy with a significant emphasis on technology stocks while maintaining broad diversification across other sectors and geographies. The portfolio's risk score of 5 out of 7 indicates a higher appetite for risk, aligned with its growth profile.

Growth Info

Historically, the portfolio has shown a Compound Annual Growth Rate (CAGR) of 18.29%, with a maximum drawdown of -32.60%. This performance suggests a strong growth trajectory, albeit with significant volatility. The days contributing to 90% of the returns being limited to 41 indicates that the portfolio's gains are concentrated in relatively few, high-performing days, underscoring the importance of staying invested through market cycles for growth investors.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, indicate a wide range of possible portfolio values. With 995 out of 1,000 simulations showing positive returns, the median projected increase is substantial. However, it's crucial to note that while these simulations are helpful for understanding potential volatility and outcomes, they cannot predict future market movements with certainty.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's assets are almost entirely in stocks (99%), with a minimal cash holding (1%). This asset class distribution is typical for growth-oriented portfolios seeking higher returns, though it comes with increased volatility. Stocks offer the potential for significant appreciation but can fluctuate widely in the short term.

Sectors Info

  • Technology
    63%
  • Financials
    9%
  • Industrials
    6%
  • Consumer Discretionary
    5%
  • Telecommunications
    5%
  • Health Care
    4%
  • Consumer Staples
    3%
  • Basic Materials
    2%
  • Energy
    2%
  • Utilities
    1%
  • Real Estate
    1%

With 63% in technology, the portfolio has a considerable sector concentration, which has historically driven its high growth rates. However, this concentration also exposes it to sector-specific risks, such as regulatory changes or technology shifts. The diversification across other sectors like financial services, industrials, and healthcare helps mitigate this risk to some extent.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

The geographic allocation is predominantly in North America (81%), with smaller exposures to developed Europe, emerging Asia, and other regions. This distribution suggests a focus on established markets with a side allocation to international stocks for geographic diversification, which can provide growth opportunities outside the U.S. market.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    29%
  • Mid-cap
    15%
  • Small-cap
    5%
  • Micro-cap
    2%

The portfolio's market capitalization breakdown shows a bias towards mega (48%) and big (29%) cap stocks, which is typical for portfolios aiming for stable growth with established companies. Medium, small, and micro caps represent a smaller portion, suggesting a cautious approach to riskier, high-growth potential stocks.

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's current allocation suggests it is positioned for high returns but also carries significant risk, primarily due to its heavy technology sector concentration. Optimizing the portfolio could involve adjusting the asset allocation to achieve a more favorable risk-return ratio without significantly deviating from the growth objective. This might include increasing diversification across sectors and geographies or rebalancing towards assets with lower correlation.

Dividends Info

  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.07%

The portfolio's dividend yield stands at 1.07%, reflecting its growth focus over income generation. While the technology sector typically offers lower dividends, the international and S&P 500 ETFs provide a modest income stream. For investors seeking growth, reinvesting these dividends could compound future returns.

Ongoing product costs Info

  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.07%

The portfolio benefits from low total expense ratios (TER), averaging 0.07%, which is favorable for long-term growth. Lower costs mean more of the investment's return is retained, a crucial factor in compounding growth over time. Vanguard's reputation for low-cost funds aligns well with the strategy of maximizing net returns.

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