This portfolio has only about 1.6 years 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.

A growth-focused portfolio with strong US market presence and innovative asset inclusion

Report created on Aug 17, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is predominantly invested in US equities, with a significant concentration in ETFs that track the total stock market, S&P 500 momentum, and large-cap growth sectors. Additionally, it includes a small but notable allocation to Bitcoin and international developed markets. The heavy reliance on ETFs suggests a preference for diversified, index-based investments, though the portfolio leans heavily towards growth-oriented assets. This structure indicates a strategy focused on capital appreciation, with a moderate to high-risk tolerance given the inclusion of cryptocurrency.

Growth Info

The portfolio has shown impressive historical performance, with a Compound Annual Growth Rate (CAGR) of 30.28%. The maximum drawdown of -19.79% suggests a relatively high volatility, consistent with its growth-oriented strategy. The days contributing to 90% of returns being concentrated in just 14.0 days highlight the portfolio's susceptibility to significant short-term fluctuations. This performance, however, is based on past trends and may not necessarily predict future outcomes.

Projection Info

Monte Carlo simulations, which use historical data to forecast a range of potential future outcomes, project an annualized return of 46.19% at the median. While these projections are optimistic, it's crucial to remember they are based on historical performance and assumptions that may not hold true in the future. Such simulations provide a spectrum of possible outcomes but cannot guarantee future returns.

Asset classes Info

  • Stocks
    95%
  • Other
    5%

The asset allocation is heavily skewed towards stocks (95%), with a minor allocation to 'Other' presumably representing the cryptocurrency investment. This distribution underscores the portfolio's growth focus but also its exposure to market volatility. Diversifying across more asset classes could help mitigate risk without necessarily compromising growth potential.

Sectors Info

  • Technology
    31%
  • Financials
    15%
  • Consumer Discretionary
    11%
  • Telecommunications
    11%
  • Industrials
    8%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    2%
  • Basic Materials
    1%

Sector allocation is heavily weighted towards technology, financial services, and consumer cyclicals, which are sectors typically associated with higher growth but also higher volatility. This concentration aligns with the portfolio's growth objectives but may increase susceptibility to sector-specific downturns. Broadening sector exposure could enhance resilience against market fluctuations.

Regions Info

  • North America
    91%
  • Europe Developed
    3%

The geographic allocation is overwhelmingly North American (91%), with minimal exposure to developed markets outside the US. This concentration benefits from the robust performance of the US market but limits global diversification. Expanding into emerging markets or other developed regions could offer growth opportunities and risk mitigation.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    28%
  • Mid-cap
    14%
  • Small-cap
    3%
  • Micro-cap
    1%

The portfolio's market capitalization breakdown—favoring mega (49%) and big (28%) cap stocks—supports its growth and stability objectives. These companies are typically more resilient during market downturns than their smaller counterparts. However, incorporating more medium to small-cap stocks could offer higher growth potential, albeit with increased risk.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Schwab U.S. Large-Cap Growth ETF
    Invesco S&P 500® Momentum ETF
    High correlation

The high correlation among the three main ETF holdings suggests redundancy, limiting the diversification benefits these assets can provide. This overlap, particularly in a growth-focused strategy, amplifies exposure to market swings. To enhance risk management, consider diversifying into assets with lower correlation.

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 configuration, while strong in growth potential, could benefit from optimization to balance risk and return more effectively. Utilizing the Efficient Frontier concept could help identify an asset mix that offers the best possible return for a given level of risk. This might involve reducing overlap among correlated assets and diversifying further across sectors, geographies, and asset classes.

Dividends Info

  • Invesco S&P International Developed Momentum ETF 1.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 0.84%

The overall dividend yield of the portfolio is relatively low (0.84%), reflecting its focus on capital appreciation over income generation. This is typical for growth-oriented portfolios, where reinvestment and asset appreciation are prioritized. Investors seeking regular income might consider increasing allocations to higher-yielding assets.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.08%

The portfolio's total expense ratio (TER) is notably low at 0.08%, which is advantageous for long-term growth as it minimizes the drag on returns. Keeping costs low is crucial in maximizing investment growth, especially in a strategy that relies on market appreciation rather than income.

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