A growth-oriented portfolio with a strong tilt towards technology and U.S. equities

Report created on Jul 19, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Your portfolio is structured around a core of U.S. and international equity ETFs, emphasizing technology, financial services, and industrials. With 20% allocations each in the Invesco NASDAQ 100 ETF, Vanguard Total Stock Market Index Fund ETF Shares, and Vanguard Total International Stock Index Fund ETF Shares, the portfolio shows a clear growth orientation. The inclusion of small-cap and mid-cap ETFs adds a layer of diversification and potential for higher returns, albeit with increased volatility. The small allocation to a dividend-focused ETF suggests a nod towards income generation, though it remains a secondary focus.

Growth Info

Historically, your portfolio has demonstrated robust performance with a Compound Annual Growth Rate (CAGR) of 14.98%. The maximum drawdown of -25.53% indicates a level of risk commensurate with a growth-oriented strategy. It's important to remember that past performance is not indicative of future results. However, the historical resilience and growth of this portfolio suggest it's well-positioned to capitalize on market upswings, while the drawdown reflects the inherent volatility and risk.

Projection Info

Monte Carlo simulations project a wide range of outcomes for your portfolio, with a median increase of 512.5% over the simulation period. This forward-looking tool uses historical data to estimate future performance, emphasizing the portfolio's potential for significant growth. However, it's crucial to recognize the limitations of simulations; they cannot account for unforeseen market shifts or black swan events. Diversification and regular portfolio reviews can help mitigate these uncertainties.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is heavily weighted towards stocks (99%), with a minimal cash reserve (1%). This allocation underscores a strong growth focus and high risk tolerance. While the stock-heavy strategy aligns with the portfolio's growth objectives, maintaining a small cash position can provide liquidity for rebalancing opportunities or to capitalize on market dips. Consider whether a slightly larger cash reserve could enhance flexibility without significantly detracting from growth potential.

Sectors Info

  • Technology
    23%
  • Financials
    18%
  • Industrials
    13%
  • Consumer Discretionary
    12%
  • Health Care
    7%
  • Consumer Staples
    7%
  • Telecommunications
    7%
  • Energy
    6%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

Your sector allocation shows a strong emphasis on technology, financial services, and industrials, with significant positions in consumer cyclicals and healthcare. This sector spread supports a growth strategy but may expose the portfolio to sector-specific risks, such as regulatory changes or economic cycles affecting technology and finance. Diversifying further across sectors, or reassessing sector weights, could help mitigate these risks while still targeting growth.

Regions Info

  • North America
    80%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    2%
  • Latin America
    1%
  • Australasia
    1%
  • Africa/Middle East
    1%

The geographic distribution of your portfolio is heavily skewed towards North America (80%), with smaller exposures to developed Europe, Asia, and other regions. This concentration in North American markets, particularly the U.S., leverages the region's historical economic strength and innovation. However, it also exposes the portfolio to regional economic fluctuations. Increasing exposure to emerging markets or underrepresented regions could offer additional diversification benefits and access to growth outside the U.S.

Market capitalization Info

  • Mega-cap
    28%
  • Large-cap
    22%
  • Mid-cap
    20%
  • Small-cap
    19%
  • Micro-cap
    10%

The portfolio's market capitalization breakdown—spanning mega to micro-caps—enhances diversification across company sizes, which is beneficial for risk management. However, the substantial allocation towards larger companies (50% in mega and big caps) aligns with the portfolio's growth and stability objectives. Considering a slight increase in small or micro-cap exposures could introduce higher growth potential, albeit with added volatility.

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, your portfolio appears well-positioned for growth, balancing risk and return effectively within the current asset allocation. However, the concept of optimization is dynamic; as market conditions evolve, so too should your portfolio. Regularly reviewing and potentially adjusting your allocation can ensure that your investments remain aligned with your risk tolerance and return objectives, maintaining an optimal position on the Efficient Frontier.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Weighted yield (per year) 1.51%

Dividend yields across the ETFs contribute to the portfolio's total income, with an overall yield of 1.51%. While dividends are not the primary focus of this growth-oriented strategy, they provide a source of passive income and can offer some cushion during market volatility. Evaluating the balance between growth and income-generation, especially in the context of total return, could inform adjustments to the portfolio's composition.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.15%

The portfolio's average total expense ratio (TER) of 0.15% is impressively low, maximizing the potential for net returns. Keeping costs low is a crucial aspect of long-term investment success, as even small differences in fees can significantly impact total returns over time. Your attention to cost efficiency supports better performance and is a commendable aspect of your investment strategy.

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