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Growth-focused portfolio with heavy emphasis on US equities and limited international exposure

Report created on Jul 19, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification
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Positions

The portfolio is predominantly invested in US equities, with a significant majority allocated to the Vanguard S&P 500 ETF, reflecting a strong focus on large-cap stocks. The presence of small-cap and mid-cap ETFs introduces some diversification, albeit within the same geographic market. The minimal allocation to international funds and a single stock position in Tesla Inc indicate a concentrated approach with low diversity. This composition suggests a growth-oriented strategy, heavily reliant on the performance of the US market, with limited hedge against domestic market volatility through international exposure.

Growth Info

Historically, the portfolio has exhibited a Compound Annual Growth Rate (CAGR) of 15.79%, with a maximum drawdown of -37.06%. These figures highlight the portfolio's ability to generate significant returns, albeit with considerable volatility. The days contributing most to the returns emphasize the impact of short-term gains, which can be attributed to the growth characteristics of the assets selected. Comparing these metrics to benchmarks would help assess relative performance, considering the high growth focus and associated risks.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with a median increase suggesting substantial growth potential. However, the broad spread between the 5th and 67th percentiles indicates high uncertainty, a common trait for growth-focused portfolios. This method, using historical data to forecast future performance, offers a probabilistic view of potential returns but cannot guarantee future outcomes, especially given market unpredictability and the portfolio's concentrated risk profile.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely allocated to stocks, with no presence in other asset classes such as bonds or real estate. This allocation strategy maximizes growth potential but also increases volatility and risk, particularly in market downturns. Diversifying across different asset classes can provide a buffer against stock market fluctuations, potentially stabilizing returns over time.

Sectors Info

  • Technology
    26%
  • Financials
    14%
  • Consumer Discretionary
    13%
  • Industrials
    10%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Real Estate
    4%
  • Utilities
    4%
  • Energy
    3%
  • Basic Materials
    3%
  • Consumer Discretionary
    1%

Sector allocation is heavily weighted towards technology, financial services, and consumer cyclicals, sectors known for their growth potential but also for their volatility. The underrepresentation of more defensive sectors like utilities and consumer defensive indicates a preference for higher-risk, higher-reward investments. This sector distribution aligns with the portfolio's growth orientation but may benefit from increased diversification to mitigate sector-specific risks.

Regions Info

  • North America
    98%
  • Europe Developed
    1%

Geographic allocation is overwhelmingly concentrated in North America, with negligible exposure to international markets. This concentration enhances exposure to US economic conditions, potentially missing out on growth opportunities in developed and emerging markets abroad. Increasing international diversification can offer benefits, including access to faster-growing economies and reduced impact from US market downturns.

Market capitalization Info

  • Mega-cap
    36%
  • Mid-cap
    27%
  • Large-cap
    26%
  • Small-cap
    9%
  • Micro-cap
    2%

The portfolio's market capitalization breakdown shows a balanced mix of mega, big, and medium-cap stocks, with a smaller allocation to small and micro-caps. This mix supports growth while providing some level of stability through the inclusion of established, large-cap companies. However, the emphasis on larger companies may limit the portfolio's potential to capitalize on the higher growth rates often associated with smaller companies.

Redundant positions Info

  • Fidelity Total Market Index Fund
    Vanguard Mid-Cap Index Fund ETF Shares
    Vanguard S&P 500 ETF
    High correlation

The high correlation among the Fidelity Total Market Index Fund, Vanguard Mid-Cap Index Fund ETF Shares, and Vanguard S&P 500 ETF indicates overlapping investments that contribute little to diversification. This redundancy not only increases the portfolio's risk but also reduces the potential for mitigating losses during market downturns. Rebalancing to include less correlated assets could enhance diversification benefits.

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.

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Optimizing for the Efficient Frontier suggests the need to address the high correlation among certain assets to improve the risk-return profile. By reallocating from overlapping assets to more diversified investments, the portfolio can achieve a more efficient distribution, potentially enhancing returns for a given level of risk. This process underscores the importance of diversification across uncorrelated investments to achieve optimal portfolio performance.

Dividends Info

  • Fidelity Total Market Index Fund 1.00%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.40%
  • Vanguard Small-Cap Value Index Fund ETF Shares 2.10%
  • Vanguard Mid-Cap Index Fund ETF Shares 1.50%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.34%

The portfolio's dividend yield averages 1.34%, contributing to total returns. While the focus on growth stocks typically comes with lower dividend yields, these income streams can provide a cushion during market volatility. Considering the portfolio's growth orientation, the current yield is reasonable, though investors seeking regular income might look for opportunities to increase this through higher-yielding investments.

Ongoing product costs Info

  • Fidelity Total Market Index Fund 0.02%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard Mid-Cap Index Fund ETF Shares 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.04%

The portfolio's total expense ratio (TER) is impressively low at 0.04%, which is beneficial for long-term growth by minimizing the drag on performance due to fees. Keeping costs low is crucial in maximizing net returns, especially in growth-oriented portfolios where compound interest plays a significant role over time. This cost efficiency is a strong aspect of the portfolio's construction.

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