This portfolio has only about 10 months 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.
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A growth-focused portfolio with significant tech exposure and a tilt towards large-cap US equities

Report created on Aug 11, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

Your portfolio predominantly consists of ETFs and funds focused on US large-cap growth stocks, with a notable emphasis on the technology sector. This composition reflects a growth-oriented strategy, leveraging the potential of major tech companies and other growth sectors. However, it's important to note the high concentration in similar asset types and sectors, which may impact diversification.

Growth Info

Historically, your portfolio has shown an impressive Compound Annual Growth Rate (CAGR) of 22.23%, with a maximum drawdown of -21.96%. These figures indicate strong past performance but also underscore the level of risk involved, particularly during market downturns. The days contributing most to returns highlight the portfolio's sensitivity to short-term market movements.

Projection Info

Monte Carlo simulations suggest a wide range of potential outcomes, with a median projected growth of 1380%. Such simulations, while useful for understanding possible future scenarios, rely on historical data and cannot predict unforeseen market changes. Therefore, while these projections are encouraging, they should be considered with caution.

Asset classes Info

  • Stocks
    100%

Your portfolio is entirely composed of stocks, offering no allocation to bonds, cash, or alternative investments. This singular focus on equities enhances growth potential but also increases volatility and risk. Diversifying across different asset classes can provide a buffer against market fluctuations and reduce portfolio volatility.

Sectors Info

  • Technology
    42%
  • Telecommunications
    10%
  • Consumer Discretionary
    9%
  • Industrials
    7%
  • Financials
    6%
  • Health Care
    6%
  • Energy
    3%
  • Consumer Staples
    2%
  • Basic Materials
    1%
  • Real Estate
    1%
  • Consumer Discretionary
    1%
  • Utilities
    1%

The technology sector dominates your portfolio, followed by communication services and consumer cyclicals. This sector concentration aligns with a growth-oriented strategy but can lead to increased volatility. Diversifying across a wider range of sectors could mitigate sector-specific risks and stabilize returns.

Regions Info

  • North America
    93%
  • Europe Developed
    4%
  • Asia Developed
    1%

With 93% of assets allocated to North America, primarily the US, your portfolio has limited international exposure. This geographic concentration benefits from the robust performance of US markets but misses out on potential opportunities in developed and emerging markets elsewhere, which could offer diversification benefits and exposure to different growth dynamics.

Market capitalization Info

  • Mega-cap
    57%
  • Large-cap
    27%
  • Mid-cap
    13%
  • Small-cap
    2%
  • Micro-cap
    1%

The focus on mega and large-cap stocks suggests a preference for established companies with potentially lower volatility than smaller companies. However, this concentration might limit exposure to high-growth potential found in mid and small-cap stocks. Balancing market cap exposure could enhance diversification and growth prospects.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    SCHWAB U.S. LARGE-CAP GROWTH INDEX FUND
    Vanguard S&P 500 ETF
    Vanguard Growth Index Fund ETF Shares
    Schwab S&P 500 Index Fund
    Schwab U.S. Broad Market ETF
    High correlation

The high correlation among several holdings, particularly within US large-cap growth ETFs and funds, indicates redundancy in your portfolio. This overlap reduces the diversification benefits and exposes your portfolio to concentrated risks. Reducing such overlap could improve portfolio efficiency without significantly increasing risk.

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.

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Your portfolio shows potential for optimization by reducing highly correlated assets, which currently offer limited diversification benefits. An optimized portfolio with the same risk level could potentially yield a higher return. This suggests an opportunity to reallocate assets for improved performance without necessarily increasing risk.

Dividends Info

  • First Trust NASDAQ Cybersecurity ETF 0.30%
  • Invesco Dynamic Energy Exploration & Production ETF 3.10%
  • Schwab U.S. Broad Market ETF 1.20%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.40%
  • SCHWAB INTERNATIONAL INDEX FUND SELECT SHARES 2.70%
  • SCHWAB U.S. LARGE-CAP GROWTH INDEX FUND 0.50%
  • Schwab S&P 500 Index Fund 1.10%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Select STOXX Europe Aerospace & Defense ETF 0.10%
  • Weighted yield (per year) 0.59%

The overall dividend yield of your portfolio is relatively low, reflecting its growth focus. While dividends contribute to total returns, especially in more conservative portfolios, the emphasis here is on capital appreciation. Investors seeking income might consider a higher allocation to assets with significant dividend yields.

Ongoing product costs Info

  • First Trust NASDAQ Cybersecurity ETF 0.59%
  • Invesco Dynamic Energy Exploration & Production ETF 0.60%
  • Schwab U.S. Broad Market ETF 0.03%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • SCHWAB INTERNATIONAL INDEX FUND SELECT SHARES 0.06%
  • SCHWAB U.S. LARGE-CAP GROWTH INDEX FUND 0.04%
  • Schwab S&P 500 Index Fund 0.02%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.11%

With an average Total Expense Ratio (TER) of 0.11%, your portfolio is cost-efficient, which is commendable. Lower costs contribute to better net returns over time. It's important to maintain this focus on cost efficiency, especially when considering new investments or rebalancing.

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