A growth-focused portfolio with a blend of domestic and international ETFs

Report created on Aug 5, 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 characterized by a significant allocation to the Vanguard Russell 2000 Growth Index Fund ETF Shares, making up half of the portfolio. This ETF focuses on small-cap growth companies in the U.S., indicating a tilt towards higher growth and potentially higher risk sectors. The iShares Core MSCI Total International Stock ETF and Vanguard Total Stock Market Index Fund ETF Shares complement this with broader international and U.S. market exposure, respectively. The allocation suggests a strategic emphasis on growth, with a blend of domestic and international equities aimed at capturing global market opportunities.

Growth Info

Historically, this portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 10.23%, with a maximum drawdown of -36.48%. This performance indicates a relatively high growth trajectory, albeit with significant volatility, as evidenced by the substantial drawdown. The days contributing to 90% of returns being limited to 19 suggests that the portfolio's performance is heavily dependent on a few significant positive market movements, which is characteristic of growth-oriented investments.

Projection Info

Monte Carlo simulations, which project future performance based on historical data, show a wide range of potential outcomes for this portfolio. The 50th percentile outcome suggests more than doubling the initial investment, while the 5th percentile indicates a slight loss. These projections underscore the inherent uncertainties in investing, particularly in growth-focused portfolios. It's important to remember that while Monte Carlo provides a spectrum of potential outcomes, it cannot predict future market conditions with certainty.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio is almost entirely invested in stocks (99%), with a minimal cash holding (1%). This asset class distribution underlines the growth orientation but also exposes the portfolio to higher market volatility. The absence of bonds or other fixed-income securities means there's less cushion against stock market downturns, which could be a concern for those with lower risk tolerance.

Sectors Info

  • Technology
    22%
  • Industrials
    16%
  • Health Care
    16%
  • Financials
    15%
  • Consumer Discretionary
    10%
  • Consumer Staples
    5%
  • Telecommunications
    5%
  • Basic Materials
    4%
  • Energy
    3%
  • Real Estate
    2%
  • Utilities
    2%

Sector allocation is well-diversified across technology, industrials, healthcare, and financial services, making up the majority of the portfolio. This diversification helps mitigate sector-specific risks, but the significant weight in technology and industrials may lead to higher volatility, reflecting the broader market trends and economic cycles these sectors are often sensitive to.

Regions Info

  • North America
    72%
  • Europe Developed
    12%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic allocation shows a strong bias towards North America (72%), with modest exposure to developed Europe and emerging markets in Asia. This distribution provides a good balance between the stability of developed markets and the growth potential of emerging markets, though the portfolio could benefit from increased diversification outside of North America to mitigate regional risks and capitalize on global growth opportunities.

Market capitalization Info

  • Small-cap
    32%
  • Mega-cap
    22%
  • Micro-cap
    19%
  • Large-cap
    16%
  • Mid-cap
    10%

The portfolio’s market capitalization exposure is diversified across small (32%), mega (22%), micro (19%), big (16%), and medium (10%). This spread across different market caps suggests a balanced approach to capturing growth across the spectrum of company sizes, though the emphasis on smaller companies aligns with the portfolio's overall growth focus.

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 expected return is below the optimal level identified by Efficient Frontier analysis, which suggests a potential return of 13.98% at a similar risk level. This indicates room for optimization, possibly by adjusting asset allocations or diversifying further across asset classes or sectors. Achieving a more efficient risk-return balance could enhance long-term outcomes without significantly altering the portfolio's risk profile.

Dividends Info

  • iShares Core MSCI Total International Stock ETF 3.00%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Russell 2000 Growth Index Fund ETF Shares 0.60%
  • Weighted yield (per year) 1.44%

The portfolio's dividend yield averages 1.44%, with the highest yield from the iShares Core MSCI Total International Stock ETF. While dividends contribute to total returns, the relatively low yield reflects the portfolio's focus on capital appreciation over income. Investors prioritizing growth over immediate income streams might find this yield alignment suitable.

Ongoing product costs Info

  • iShares Core MSCI Total International Stock ETF 0.07%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Russell 2000 Growth Index Fund ETF Shares 0.15%
  • Weighted costs total (per year) 0.10%

The total expense ratio (TER) of 0.10% is impressively low, enhancing potential net returns over the long term. Keeping costs low is crucial for investment efficiency, especially in growth-oriented portfolios where every percentage point of return matters. This cost structure is a positive aspect, supporting better performance through minimized drag on returns.

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