A growth-focused portfolio with a strong tech bias and low costs

Report created on Aug 20, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is predominantly invested in stocks (99%) with a significant emphasis on the Vanguard Total Stock Market Index Fund ETF Shares (70%), indicating a broad exposure to the US market. The inclusion of the Vanguard Total International Stock Index Fund ETF Shares (15%) adds international diversification, though the overall geographic exposure remains heavily North American (86%). The specific allocations to Apple, Meta Platforms, and NVIDIA (each at 5%) highlight a tech-centric approach. This composition suggests a growth-oriented strategy, leveraging both broad market indices and targeted tech investments for potential returns.

Growth Info

Historically, this portfolio has shown a Compound Annual Growth Rate (CAGR) of 18.36%, which is impressive. However, the maximum drawdown of -47.93% signals significant volatility, likely exacerbated by the tech-heavy allocation. The days contributing to 90% of returns being so few (53.0) underscores the portfolio's exposure to market swings, particularly within the tech sector. This performance pattern is typical for growth-focused strategies, where high returns often come with increased risk.

Projection Info

Using Monte Carlo simulations, the portfolio's forward projection shows a wide range of outcomes, with a median increase of 3,792.3%. This simulation, based on historical data, underscores the potential for substantial growth but also reflects inherent uncertainty. It's crucial to remember that such simulations are hypothetical and cannot guarantee future results, especially as they don't account for unforeseen market changes or global economic shifts.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The asset class distribution is heavily skewed towards stocks, with a minor cash holding. This allocation aligns with the portfolio's growth profile but limits diversification across asset classes, potentially increasing risk during market downturns. Broadening the asset class mix could provide a buffer against stock market volatility while still allowing for growth.

Sectors Info

  • Technology
    35%
  • Financials
    13%
  • Telecommunications
    12%
  • Consumer Discretionary
    9%
  • Industrials
    9%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    2%

The sector allocation reveals a strong preference for technology (35%), followed by financial services and communication services. This concentration in tech may drive high returns in bullish market conditions but can also lead to significant volatility. Diversifying across more sectors could reduce risk without dramatically compromising growth potential.

Regions Info

  • North America
    86%
  • Europe Developed
    6%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographic exposure is predominantly in North America (86%), with minimal allocations to other regions. This concentration benefits from the robust performance of the US market but also exposes the portfolio to regional economic and political risks. Increasing exposure to developed European and emerging markets could enhance diversification and potentially tap into growth opportunities outside the US.

Market capitalization Info

  • Mega-cap
    50%
  • Large-cap
    26%
  • Mid-cap
    16%
  • Small-cap
    5%
  • Micro-cap
    2%

The market capitalization breakdown shows a lean towards mega (50%) and big (26%) cap stocks, indicative of a preference for established, large companies, likely contributing to the portfolio's growth. However, this focus may limit exposure to the potentially higher growth rates of smaller companies. A slight adjustment towards medium, small, or micro caps could introduce more growth opportunities, albeit with increased 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.

Considering the Efficient Frontier, the portfolio might be optimized for a better risk-return ratio by adjusting asset allocations. While it's already growth-oriented, there's potential to improve diversification across asset classes, sectors, and geographies without sacrificing expected returns. This optimization process aims to achieve the most efficient risk-return trade-off given the current investment choices.

Dividends Info

  • Apple Inc 0.40%
  • Meta Platforms Inc. 0.30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.28%

The dividend yield of the portfolio stands at 1.28%, with the highest yield from the Vanguard Total International Stock Index Fund ETF Shares (2.70%). While dividends contribute to the portfolio's total return, the focus here appears to be more on capital appreciation. Investors seeking income might consider increasing allocations to higher-yielding assets.

Ongoing product costs Info

  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.03%

The portfolio's costs are impressively low, with total expense ratios (TERs) for the included ETFs at 0.03% and 0.05%, respectively. Low costs are crucial for long-term growth, as they directly enhance net returns. This cost efficiency is a strong aspect of the portfolio, supporting better performance over time.

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