A growth focused stock heavy portfolio with strong tech tilt and broadly global exposure

Report created on Oct 19, 2024

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is almost entirely in stocks, spread across three broad ETFs, with no bonds in the mix. That structure lines up more with a growth profile than a classic “balanced” mix of stocks and bonds, even though the formal risk label is Balanced and the risk score is middle‑of‑the‑road at 4 out of 7. Being 99% in stocks means bigger swings in value than a portfolio that holds stabilizing assets like bonds or cash. For someone craving smoother returns, dialing in even a small stabilizing sleeve could help. For someone comfortable with volatility, simply being aware that this is an equity‑first approach is important.

Growth Info

Historically, this mix has been very strong, with a compound annual growth rate (CAGR) of about 20%. CAGR is basically your “average yearly speed” over time, smoothing out the bumps. A -19% max drawdown shows that while the portfolio dropped, it hasn’t yet seen a brutal crash like 2008‑style levels. Only 18 trading days made up 90% of the total gains, which highlights how a few big up days can drive long‑term results. That’s why staying invested matters: missing just a handful of strong days can seriously cut long‑term growth, even in an otherwise powerful portfolio.

Projection Info

The Monte Carlo simulation tested 1,000 possible futures using historical patterns of returns and volatility. Monte Carlo is basically a “what if” engine: it shuffles thousands of possible return paths to show a range of potential outcomes. Here, even the lower‑end (5th percentile) path ends much higher than the starting value, and the median path is extremely strong, which is what you’d expect from a high‑equity, growth‑tilted mix. Still, these are just models built on past data and assumptions. Real markets don’t follow scripts, so it’s better to treat these projections as rough guide rails, not promises, especially for planning timeframes and risk comfort.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Asset‑class exposure is heavily tilted to a single class: stocks at 99%, with just 1% in cash and effectively nothing else. From a diversification point of view, this is great within the stock universe but thin between different types of assets. A benchmark “balanced” mix would usually show some meaningful slice in bonds or other defensive holdings to cushion downturns. Staying all‑equity maximizes long‑term growth potential but also keeps you front and center in any stock market slide. If the goal is to smooth the ride without abandoning growth, blending in even a modest allocation to defensive assets over time could help temper volatility.

Sectors Info

  • Technology
    41%
  • Financials
    14%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    6%
  • Health Care
    5%
  • Energy
    5%
  • Basic Materials
    4%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is strongly tilted toward technology at 41%, helped by the dedicated tech ETF, with solid weights in financials, industrials, and consumer‑related areas rounding things out. This sector mix is more tech‑heavy than broad global benchmarks, which typically spread more evenly across sectors. Tech overweight can be powerful in growth periods and has likely contributed to the strong historical returns, but it also means more sensitivity to interest rates, regulation, and sentiment shifts in high‑growth companies. The reassuring bit is that you still have exposure across nine major sectors, which is a good sign of breadth. Just be aware that overall risk is still anchored to the tech cycle.

Regions Info

  • North America
    73%
  • Europe Developed
    11%
  • Japan
    5%
  • Asia Emerging
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic exposure leans heavily toward North America at 73%, with the rest spread across Europe, Japan, and emerging and developed Asia. This isn’t unusual—many global benchmarks are also US‑heavy—so the geographic mix is broadly aligned with common global standards, which is a positive. That said, a strong US tilt means results are closely tied to US market fortunes and the US dollar. The smaller slices in emerging and non‑US developed markets do add some diversification and growth potential, but they won’t fully offset a major US downturn. Anyone wanting more balance between home and overseas markets could explore gradually lifting the non‑US share over time.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    27%
  • Mid-cap
    20%
  • Small-cap
    9%
  • Micro-cap
    3%

The market‑cap mix is nicely spread, with meaningful exposure to mega and large companies, plus a solid chunk in mid, small, and even micro caps. This tiered structure is healthy: big companies can add stability and liquidity, while mid and small caps can provide higher growth potential (and higher volatility). Compared with many broad benchmarks that skew heavily to mega caps, this mix is slightly more tilted toward the full size spectrum, which is a strength for diversification within stocks. Just keep in mind that smaller stocks can swing more sharply, so they add extra punch—both up and down—to an already equity‑heavy, growth‑oriented portfolio.

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.

From a risk‑return angle, this portfolio sits on the aggressive side of what many would call “balanced,” but it’s likely pretty close to an efficient spot for a growth‑oriented, equity‑only mix. The Efficient Frontier is simply the set of portfolios that give the best possible trade‑off between risk (ups and downs) and return, using only the existing building blocks and different weightings. Within these three ETFs, the biggest “lever” is how much to dial back the dedicated tech tilt versus the global core ETF. Slightly reducing concentration in the higher‑volatility slice could move you closer to an efficiency sweet spot without dramatically changing the overall growth profile.

Dividends Info

  • American Century ETF Trust 2.00%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Weighted yield (per year) 1.45%

The overall dividend yield of around 1.45% sits on the lower side, which is typical for growth‑tilted, tech‑heavy portfolios. Yield is the cash income you receive each year as a percentage of your investment, like rent from your capital. Here, most of the return profile is driven by price growth rather than income. That works well for investors focused on long‑term accumulation, especially in tax‑advantaged accounts where reinvested gains can snowball. For someone seeking regular cash flow—say, to cover living expenses—this yield might feel light, and they might look to pair this with a higher‑income bucket elsewhere rather than changing the growth engine that’s working well here.

Ongoing product costs Info

  • American Century ETF Trust 0.26%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.12%

Costs are impressively low, with a total expense ratio (TER) around 0.12%. TER is basically the annual “membership fee” paid to the fund manager, quietly deducted from returns. Keeping this low is one of the strongest predictors of better long‑term outcomes, because it’s a guaranteed drag you can actually control. Here, the main building‑block ETF is extremely cheap, the tech ETF is low‑cost, and even the priciest holding is still very reasonable. This cost structure is a real positive: it lets the underlying investments do the heavy lifting without giving up much performance to fees over the years.

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