This portfolio has only about 1.4 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

A growth-focused portfolio with a strong tilt towards technology and North American equities

Report created on Aug 2, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is characterized by a significant allocation to technology stocks and ETFs, making up over a third of the total composition. The Vanguard Total Stock Market and Information Technology Index Fund ETFs form nearly half of the portfolio, indicating a strong preference for broad market exposure with a tech emphasis. Holdings in Berkshire Hathaway, Canadian National Railway, and several high-growth tech companies like Advanced Micro Devices and Alphabet Inc highlight a blend of value and growth strategies. The inclusion of a specialized ETF in the energy sector (VanEck Uranium+Nuclear Energy ETF) suggests an interest in niche market opportunities.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 14.02% and a maximum drawdown of -26.35%, the portfolio has demonstrated robust growth with significant volatility. The days contributing to 90% of returns being concentrated in just 6.0 days highlight the portfolio's susceptibility to short-term market movements, often characteristic of growth-oriented investments. This performance, while impressive, underscores the importance of understanding the inherent risks and the potential for wide fluctuations in value.

Projection Info

Monte Carlo simulations, a tool for assessing future risk and return by running numerous hypothetical scenarios, indicate a wide range of outcomes for this portfolio. With a median projected growth of 73.2% but a possibility of a decline up to -88.5% at the 5th percentile, these projections underscore the portfolio's high-risk, high-reward nature. Such simulations are valuable for stress-testing against various market conditions, though they rely on historical data and cannot predict future market movements with certainty.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely composed of stocks, showing a clear preference for equity investments over bonds, real estate, or cash equivalents. This concentration in stocks is typical for growth-oriented investors seeking higher returns, albeit at a higher risk level. The absence of fixed income or alternative asset classes limits diversification benefits, particularly in market downturns where non-equity assets might offer a buffer.

Sectors Info

  • Technology
    37%
  • Financials
    14%
  • Industrials
    11%
  • Telecommunications
    11%
  • Consumer Discretionary
    8%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    1%
  • Basic Materials
    1%

Sector allocation reveals a heavy tilt towards technology, financial services, and industrials, with technology alone constituting 37%. This concentration increases exposure to sector-specific risks, such as regulatory changes or technological disruptions. While the tech sector can offer substantial growth opportunities, it's also prone to volatility. Balancing sector exposure could mitigate risk without significantly compromising growth potential.

Regions Info

  • North America
    94%
  • Europe Developed
    4%

The geographic allocation is heavily weighted towards North America (94%), with minimal exposure to developed European markets and no presence in emerging or other developed markets. This concentration benefits from the robust performance of North American equities, especially U.S. tech stocks, but limits global diversification. Expanding into other regions could provide growth opportunities and reduce geographic risk.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    35%
  • Mid-cap
    9%
  • Small-cap
    5%
  • Micro-cap
    2%

The portfolio's market capitalization breakdown shows a preference for mega (50%) and big (35%) cap stocks, aligning with its growth and stability objectives. While large-cap stocks tend to be less volatile than their smaller counterparts, the modest allocation to medium, small, and micro-cap stocks (16% combined) suggests an openness to higher-growth, albeit riskier, investments. This mix supports a balanced approach to capital appreciation and risk management.

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 portfolio demonstrates a strong growth orientation with a calculated risk approach, as evidenced by its performance and asset allocation. While the Efficient Frontier suggests that an optimal portfolio could achieve a higher expected return at the same risk level, it's essential to consider individual risk tolerance, investment horizon, and financial goals before making adjustments. Strategic reallocation could further optimize the risk-return profile, especially by diversifying across more sectors and geographies.

Dividends Info

  • Apple Inc 0.50%
  • Canadian National Railway Company 2.70%
  • Alphabet Inc Class C 0.40%
  • VanEck Uranium+Nuclear Energy ETF 0.50%
  • Novo Nordisk A/S 3.30%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 0.85%

The portfolio's dividend yield stands at an average of 0.85%, reflecting a focus on growth over income. While dividends contribute to total returns, the primary growth drivers in this portfolio are likely capital gains from stock appreciation. Investors prioritizing growth may accept lower dividend yields in exchange for the potential of higher long-term capital appreciation.

Ongoing product costs Info

  • VanEck Uranium+Nuclear Energy ETF 0.61%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.05%

The portfolio's overall cost, represented by the Total Expense Ratio (TER) of 0.05%, is impressively low, enhancing long-term return potential by minimizing drag on performance. The low costs are primarily attributed to the selection of low-fee ETFs and individual stocks, which is a prudent strategy for cost-conscious investors aiming to maximize net returns.

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