Growth-oriented portfolio with a tech tilt and emphasis on large-cap stocks

Report created on Oct 28, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio exhibits a strong inclination towards growth, with significant allocations to technology stocks and large-cap companies. The presence of the Schwab S&P 500 Index Fund and Vanguard Total Stock Market Index Fund ETF Shares indicates a foundational investment in broad market indices, while individual stock picks like Amazon and Microsoft suggest a targeted approach to growth sectors. The inclusion of short-term Treasury Bond ETFs hints at a minimal but present concern for risk management. This blend of broad market exposure with specific, high-growth equities creates a moderately diversified portfolio, yet it leans heavily on the performance of the technology sector and large-cap stocks.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 13.74%, with a maximum drawdown of -27.81%. These figures suggest that the portfolio has experienced significant volatility but has also provided robust returns over time. The days contributing to 90% of returns being so few indicate that much of the portfolio's gains can be attributed to sharp, positive movements in the market, a characteristic often associated with growth-focused investments. This performance, while impressive, underscores the portfolio's sensitivity to market highs and lows.

Projection Info

Using Monte Carlo simulation, which projects potential outcomes based on historical data, the portfolio shows a wide range of possible future performances. With key percentiles indicating anywhere from a -65.0% loss to a 619.0% gain, there's a notable degree of uncertainty. This broad spectrum underscores the portfolio's aggressive growth stance, which can lead to significant variability in outcomes. The simulation's median projection suggests a potential for strong returns, but investors should be prepared for considerable fluctuations.

Asset classes Info

  • Stocks
    88%
  • Cash
    12%

The portfolio's asset allocation is predominantly in stocks (88%), with a minor allocation to cash equivalents (12%) through short-term Treasury Bond ETFs. This allocation supports the portfolio's growth-oriented strategy but comes with higher volatility and risk. The lack of bonds or other asset classes beyond stocks and cash equivalents limits diversification, potentially increasing the portfolio's sensitivity to stock market downturns. A more balanced approach, including a wider range of asset classes, could reduce volatility without necessarily compromising long-term growth potential.

Sectors Info

  • Technology
    32%
  • Consumer Discretionary
    18%
  • Financials
    11%
  • Telecommunications
    6%
  • Health Care
    5%
  • Industrials
    5%
  • Consumer Discretionary
    3%
  • Consumer Staples
    3%
  • Energy
    1%
  • Basic Materials
    1%
  • Utilities
    1%
  • Real Estate
    1%

With 32% allocated to technology and significant investments in consumer cyclicals and financial services, the portfolio is positioned to benefit from growth in these sectors. However, this concentration also exposes it to sector-specific risks, such as regulatory changes or economic shifts affecting consumer spending. The underrepresentation of sectors like energy, utilities, and real estate further accentuates the portfolio's growth focus but at the expense of potential stability and diversification benefits offered by these less volatile sectors.

Regions Info

  • North America
    78%
  • Europe Developed
    6%
  • Japan
    2%
  • Australasia
    1%

The portfolio's geographic allocation is heavily weighted towards North America (78%), with minimal exposure to developed markets in Europe and Japan, and no direct investment in emerging markets. This concentration in the U.S. market aligns with the portfolio's growth orientation, given the significant presence of technology and consumer cyclical companies. However, it limits geographic diversification and exposure to potential growth in emerging markets, which could offer diversification benefits and exposure to different economic growth drivers.

Market capitalization Info

  • Mega-cap
    57%
  • Large-cap
    20%
  • Mid-cap
    9%
  • Small-cap
    1%

Focusing predominantly on mega (57%) and big (20%) cap stocks, the portfolio is geared towards companies with large market capitalizations, known for their stability and potential for steady growth. This allocation strategy is suitable for investors looking for growth with a moderated level of risk, as these companies are typically more resilient during market downturns compared to their smaller counterparts. However, the limited exposure to medium, small, and micro-cap stocks may restrict opportunities for higher returns that these smaller companies can offer.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Schwab U.S. Large-Cap Growth ETF
    Schwab S&P 500 Index Fund
    Invesco QQQ Trust
    Fidelity Contrafund
    High correlation

The portfolio shows a high correlation among several of its major holdings, particularly those within ETFs and individual technology stocks. This redundancy dilutes the diversification benefits, as these assets tend to move in tandem, especially during market shifts influenced by technology sector performance. Reducing overlap by diversifying into assets with lower correlation could enhance the portfolio's risk-adjusted returns, mitigating some of the volatility inherent in a growth-focused investment strategy.

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 could be optimized by addressing the high correlation among its core holdings, particularly in the technology sector and large-cap stocks. By reallocating some of these investments into less correlated assets, possibly in different sectors or geographies, the portfolio could achieve a more efficient risk-return profile. The current optimization analysis suggests that with the same level of risk, a more diversified asset allocation could yield a slightly higher expected return of 3.59%. This adjustment would not only aim to enhance returns but also to reduce volatility through improved diversification.

Dividends Info

  • Fidelity Contrafund 4.10%
  • Greif Bros Corporation 3.70%
  • Microsoft Corporation 0.60%
  • Blue Owl Capital Corporation 12.20%
  • Invesco QQQ Trust 0.30%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • iShares® 0-3 Month Treasury Bond ETF 4.30%
  • SCHWAB INTERNATIONAL INDEX FUND SELECT SHARES 2.60%
  • Schwab S&P 500 Index Fund 1.00%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Weighted yield (per year) 1.38%

The portfolio's dividend yield stands at 1.38%, with individual holdings like the iShares® 0-3 Month Treasury Bond ETF and Blue Owl Capital Corporation providing higher yields. While the overall yield is modest, it reflects the growth-centric nature of the portfolio, where capital appreciation is prioritized over income generation. Investors seeking higher income might consider rebalancing towards assets with higher dividend yields, although this could potentially alter the portfolio's growth trajectory.

Ongoing product costs Info

  • Fidelity Contrafund 0.63%
  • Invesco QQQ Trust 0.20%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • iShares® 0-3 Month Treasury Bond ETF 0.07%
  • SCHWAB INTERNATIONAL INDEX FUND SELECT SHARES 0.06%
  • Schwab S&P 500 Index Fund 0.02%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.04%

The Total Expense Ratio (TER) of 0.04% is impressively low, indicating efficient cost management across the portfolio's holdings. Low costs are crucial for long-term investment success, as they directly enhance net returns. The portfolio's focus on low-cost index funds and ETFs is a prudent strategy, ensuring that more of the investment returns are retained by the investor. While individual stock picks do not carry explicit expense ratios, their selection and turnover should also be managed to minimize costs related to trading and potential tax implications.

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