A growth-oriented portfolio with a strategic blend of global and value-focused ETFs

Report created on Jul 21, 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 demonstrates a strong preference for equity investments, with a significant allocation towards the Vanguard Total Stock Market Index Fund ETF Shares (60%) and a substantial international exposure through the Vanguard Total International Stock Index Fund ETF Shares (20%). The inclusion of specialized ETFs like the Avantis® U.S. Small Cap Value ETF and Vanguard Mid-Cap Value Index Fund ETF Shares, each constituting 10% of the portfolio, indicates a strategic tilt towards value investing within specific market segments. This composition underscores a growth-oriented approach while attempting to harness the potential of value stocks across various market caps.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 14.52%, with a maximum drawdown of -36.54%. The days contributing to 90% of the returns number just 14, highlighting the portfolio's significant gains during brief periods. This performance metric suggests that while the portfolio has experienced periods of volatility, its overall growth trajectory has been strong. It's important to note, however, that past performance is not indicative of future results, and investors should consider their risk tolerance in relation to the portfolio's historical volatility.

Projection Info

The Monte Carlo simulation, utilizing 1,000 iterations, projects a wide range of outcomes with a median annualized return of 14.63%. The 5th percentile outcome suggests a modest gain, while the 50th and 67th percentiles indicate more robust growth potential. This analysis, while based on historical data, offers a probabilistic view of how the portfolio might perform, emphasizing the inherent uncertainty in predicting future returns. Investors should interpret these projections with caution, as they are simulations and not guarantees.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is heavily weighted towards stocks (99%), with a minimal cash holding (1%). This allocation aligns with the portfolio's growth profile but carries higher volatility and risk compared to more diversified or balanced allocations. The absence of bonds or alternative investments limits the portfolio's ability to hedge against stock market downturns, suggesting an aggressive growth strategy with a higher risk-reward ratio.

Sectors Info

  • Technology
    23%
  • Financials
    18%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Health Care
    9%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    3%

The sectoral allocation leans heavily towards technology (23%) and financial services (18%), followed by industrials and consumer cyclicals. This concentration in sectors that can exhibit significant volatility suggests a strategy that aims to capitalize on growth opportunities. However, it may also increase the portfolio's sensitivity to market swings, particularly in tech and financial sectors. Diversifying across additional sectors could help mitigate sector-specific risks.

Regions Info

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

With 81% of assets allocated to North America and a diversified international exposure, the portfolio attempts to balance domestic growth with global diversification. The underrepresentation in emerging markets (Asia Emerging, Latin America, and Africa/Middle East) and Europe Emerging suggests a cautious approach to higher-risk regions. Expanding into these areas could offer additional diversification benefits and exposure to faster-growing economies.

Market capitalization Info

  • Mega-cap
    33%
  • Mid-cap
    25%
  • Large-cap
    25%
  • Small-cap
    9%
  • Micro-cap
    7%

The market capitalization breakdown shows a balanced exposure across mega (33%), medium (25%), and big (25%) cap stocks, with smaller allocations to small (9%) and micro (7%) caps. This distribution supports a growth strategy while incorporating elements of value investing through mid and small-cap exposures. Adjusting these allocations could further optimize the risk-return profile according to market conditions and investment goals.

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 portfolio's current allocation suggests a well-considered strategy aimed at optimizing the risk-return ratio along the Efficient Frontier. However, continuous reassessment of the allocation between asset classes, sectors, and geographic exposure can further enhance this optimization. Adapting to market changes and rebalancing to maintain the desired risk level are essential for maintaining alignment with the Efficient Frontier over time.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Vanguard Mid-Cap Value Index Fund ETF Shares 2.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.67%

The dividend yield across the ETFs averages 1.67%, contributing to the portfolio's total return. While not the primary focus of a growth-oriented strategy, dividends offer a source of passive income and can provide a cushion during market dips. Balancing growth and income-generating assets could enhance the portfolio's resilience against volatility and support long-term investment objectives.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard Mid-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard Total Stock Market Index Fund ETF Shares 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 just 0.06%, the portfolio benefits from low costs, maximizing the potential for net returns. This efficiency is crucial for long-term growth, as higher costs can significantly erode investment gains over time. The portfolio's cost-effectiveness is a notable strength, supporting better performance relative to more expensive alternatives.

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