A growth-focused portfolio with a strong foundation in ETFs and a tech tilt

Report created on Oct 14, 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 predominantly invests in ETFs, with a significant 60% in a Vanguard S&P 500 ETF, 25% in a Vanguard Total International Stock Index Fund ETF, and 10% in an Avantis® U.S. Small Cap Value ETF. The inclusion of a single stock, NVIDIA Corporation, at 5%, introduces a direct tech sector play. This composition reflects a growth-oriented strategy with broad diversification across major global markets and sectors, albeit with a substantial weighting towards the US market. The blend of large-cap, international exposure, and small-cap value suggests a balanced approach to capturing growth while attempting to mitigate risk through diversification.

Growth Info

Historically, this portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 18.36%, with a maximum drawdown of -34.81%. These figures suggest a strong performance, especially considering the growth orientation and the inherent volatility associated with such a strategy. The days contributing to 90% of returns being limited to 31.0 indicates that the portfolio's performance is heavily reliant on specific high-growth periods, a common characteristic of growth-focused investments. This performance should be evaluated against benchmarks relevant to the portfolio's diversified asset classes for a comprehensive assessment.

Projection Info

Utilizing Monte Carlo simulations, which forecast potential outcomes based on historical data, the portfolio shows a wide range of future performance scenarios. With 998 out of 1,000 simulations yielding positive returns, the median projected growth is substantial. However, it's crucial to note that these simulations assume historical market conditions will repeat, which may not always be the case. Investors should consider this uncertainty in forward-looking projections and maintain realistic expectations about potential growth and associated risks.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is heavily skewed towards stocks (99%), with a minimal cash holding (1%). This allocation is consistent with its growth profile but comes with higher volatility and risk, especially during market downturns. The absence of bonds or alternative investments limits the portfolio's ability to hedge against stock market volatility. Diversifying across additional asset classes could provide a more balanced risk-return profile, particularly for investors concerned about market fluctuations.

Sectors Info

  • Technology
    30%
  • Financials
    16%
  • Consumer Discretionary
    11%
  • Industrials
    10%
  • Telecommunications
    8%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

With 30% allocated to technology, followed by significant investments in financial services and consumer cyclicals, the portfolio is positioned to capitalize on sectors that typically exhibit strong growth. However, this concentration increases susceptibility to sector-specific risks, such as regulatory changes or economic cycles affecting tech and financial companies. Balancing sector allocations or incorporating sectors with defensive characteristics could enhance stability without significantly compromising growth potential.

Regions Info

  • North America
    77%
  • Europe Developed
    10%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic distribution shows a strong bias towards North America (77%), with modest allocations to developed Europe, emerging Asia, and other regions. This concentration benefits from the robust performance of the US market but may miss out on potential growth opportunities in emerging markets. Increasing exposure to underrepresented regions could offer additional diversification benefits and access to faster-growing economies.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    28%
  • Mid-cap
    15%
  • Small-cap
    6%
  • Micro-cap
    5%

The market capitalization breakdown—45% mega, 28% big, 15% medium, 6% small, and 5% micro—indicates a preference for larger, more established companies, which typically offer stability and consistent returns. However, the inclusion of small and micro-cap investments through the Avantis® ETF introduces higher growth potential with added volatility. This mix supports the portfolio's growth ambitions while mitigating some risks associated with smaller 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 appears close to an optimal risk-return balance, as suggested by its Efficient Frontier analysis. This concept aims to maximize returns for a given level of risk by strategically diversifying across different assets. While the portfolio is well-positioned, periodic reviews and adjustments are recommended to maintain this balance, especially as market conditions and the investor's risk tolerance evolve.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.59%

The dividend yields from the ETFs, particularly the 2.80% from the Vanguard Total International Stock Index Fund ETF, contribute to the portfolio's total yield of 1.59%. While growth is the primary goal, these dividends provide a steady income stream, which can be reinvested to compound growth or used as income. Given the portfolio's orientation, the balance between growth and income appears well-calibrated, though investors might consider higher dividend-yielding assets if a greater income stream becomes a priority.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

With a total expense ratio (TER) of 0.06%, the portfolio benefits from low investment costs, which is crucial for maximizing long-term returns. The individual ETF fees are competitive, particularly for the Vanguard S&P 500 ETF at 0.03%. Keeping costs low is a fundamental principle of investment management, as it ensures more of the portfolio's returns are retained by the investor.

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