Growth-oriented portfolio with a tech emphasis and a focus on dividend income

Report created on Aug 4, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

The portfolio is heavily weighted towards technology, with 30% in a tech-focused ETF and significant allocations in large-cap and dividend income ETFs. The emphasis on technology and large-cap stocks suggests a growth-oriented strategy, albeit with a single-focused diversification approach. The inclusion of dividend-yielding ETFs aims to provide income, balancing growth with cash flow. However, the portfolio's diversification score indicates a concentration risk, primarily in the technology sector and large-cap stocks, which could lead to higher volatility.

Growth Info

Historically, the portfolio has shown a Compound Annual Growth Rate (CAGR) of 15.64%, with a maximum drawdown of -21.39%. These figures suggest a strong performance, though the significant drawdown highlights potential volatility. The days contributing to 90% of returns are notably few, indicating that the portfolio's performance might be heavily reliant on specific market conditions. Comparing this performance to a diversified benchmark could help in understanding its relative strength and risk-adjusted return.

Projection Info

A Monte Carlo simulation, which projects future performance based on historical data, shows a wide range of outcomes, with the 50th percentile suggesting a significant increase. However, it's crucial to remember that such simulations have limitations and cannot predict future market conditions with certainty. The high percentile outcomes indicate optimism, but investors should remain cautious and not rely solely on these projections for decision-making.

Asset classes Info

  • Stocks
    96%
  • No data
    2%
  • Cash
    2%

The portfolio's allocation is predominantly in stocks (96%), with a minimal presence in cash and unclassified assets. This high concentration in equities aligns with the portfolio's growth profile but comes with higher risk. The lack of diversification across different asset classes, such as bonds or real estate, might expose the portfolio to market fluctuations more acutely. Introducing other asset classes could provide a buffer against stock market volatility.

Sectors Info

  • Technology
    52%
  • Financials
    10%
  • Consumer Discretionary
    8%
  • Industrials
    7%
  • Telecommunications
    7%
  • Health Care
    5%
  • Consumer Staples
    4%
  • Energy
    2%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

The sectoral allocation is heavily skewed towards technology, constituting over half of the portfolio. While the tech sector has historically provided substantial growth opportunities, this concentration increases susceptibility to sector-specific risks. Financial services, consumer cyclicals, and industrials also play significant roles but do not sufficiently mitigate the risk associated with the tech sector's dominance. Diversifying into underrepresented sectors could reduce volatility without drastically compromising growth potential.

Regions Info

  • North America
    99%

With 99% of assets allocated in North America, the portfolio's geographic exposure is highly concentrated. This focus limits exposure to global economic growth and diversification benefits that international markets can offer. Considering adding developed or emerging market investments could enhance returns and reduce region-specific risks, such as regulatory changes or economic downturns in North America.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    31%
  • Mid-cap
    14%
  • Small-cap
    8%
  • Micro-cap
    3%

The market capitalization breakdown reveals a preference for mega and big-cap stocks, which typically offer stability and lower volatility compared to smaller companies. However, the portfolio's medium, small, and micro-cap exposures, although limited, suggest an attempt to capture higher growth opportunities. Balancing these allocations while considering liquidity and risk factors could optimize the growth-stability trade-off.

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, there may be opportunities to optimize the portfolio for a better risk-return ratio. Adjusting allocations among the current assets could potentially enhance returns for the same level of risk or reduce risk without sacrificing returns. This optimization process, while theoretical, offers a strategic framework for making informed allocation decisions.

Dividends Info

  • Amplify CWP Enhanced Dividend Income ETF 4.70%
  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • JPMorgan Nasdaq Equity Premium Income ETF 10.40%
  • Schwab U.S. Large-Cap ETF 1.20%
  • Vanguard Extended Market Index Fund ETF Shares 1.10%
  • Weighted yield (per year) 2.86%

Dividend yields in the portfolio vary, with the highest coming from the JPMorgan ETF. This income component is crucial for investors seeking cash flow in addition to capital appreciation. The overall yield of 2.86% is respectable, balancing the growth orientation with income generation. Regularly reviewing dividend performance and considering adjustments can ensure that the portfolio continues to meet income objectives without compromising growth.

Ongoing product costs Info

  • Amplify CWP Enhanced Dividend Income ETF 0.56%
  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • JPMorgan Nasdaq Equity Premium Income ETF 0.35%
  • Schwab U.S. Large-Cap ETF 0.03%
  • Vanguard Extended Market Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.18%

The portfolio's total expense ratio (TER) is relatively low, averaging 0.18%, which is beneficial for long-term growth as it minimizes cost drag on investment returns. The varying costs across ETFs underscore the importance of cost-conscious investing, particularly in growth-oriented strategies where higher fees can erode returns. Maintaining a focus on keeping costs low while achieving desired exposure is commendable.

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