Growth-focused portfolio with a tech tilt and an emphasis on small-cap value ETFs

Report created on Jul 31, 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 showcases a strategic emphasis on growth-oriented assets, with a significant allocation towards technology and small-cap value ETFs. The Vanguard S&P 500 ETF, making up 37.5% of the portfolio, provides a solid foundation of large-cap U.S. equities. The inclusion of both Avantis® International Small Cap Value ETF and Avantis® U.S. Small Cap Value ETF, each constituting 12.5%, alongside the sector-specific VanEck Semiconductor and Vanguard Information Technology Index Fund ETF Shares, indicates a deliberate tilt towards sectors anticipated to offer higher growth. This composition suggests a balanced approach to diversification across geographies and sectors, albeit with a robust inclination towards technology and small-cap stocks.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 18.82%, with a maximum drawdown of -35.37%. Such performance metrics are indicative of a high-growth strategy that comes with considerable volatility. The days contributing to 90% of returns being limited to 21.0 highlights the portfolio's susceptibility to short-term fluctuations, underscoring the importance of a long-term investment horizon. Comparing this to benchmark indices would help contextualize these figures, suggesting that while the portfolio has the potential for high returns, it also carries significant risk.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, suggest a wide range of potential portfolio values. With key percentiles showing a 5th percentile at a 76.8% increase and a 50th percentile at a 918.3% increase, the projections underscore the portfolio's high growth potential. However, the broad spread between these percentiles also highlights the inherent uncertainty and risk, especially considering the 67th percentile projecting a 1,508.7% increase. These simulations, while useful, are based on past performance and cannot guarantee future results.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely composed of stocks, showing a clear focus on capital appreciation over income or hedging strategies. This asset class allocation is typical for growth-oriented investors but comes with higher volatility and risk, particularly in market downturns. Diversifying across different asset classes, such as including bonds or real estate, could provide a buffer against stock market volatility, potentially smoothing out returns over time.

Sectors Info

  • Technology
    40%
  • Financials
    14%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Health Care
    5%
  • Telecommunications
    5%
  • Energy
    5%
  • Basic Materials
    5%
  • Consumer Staples
    4%
  • Utilities
    1%
  • Real Estate
    1%

With 40% of the portfolio allocated to technology, followed by financial services and industrials, there's a clear emphasis on sectors that can offer significant growth. However, this concentration also increases susceptibility to sector-specific risks. For instance, technology stocks may be more volatile in response to interest rate changes. Balancing sector allocations could mitigate this risk, potentially leading to more stable returns across different market conditions.

Regions Info

  • North America
    75%
  • Europe Developed
    13%
  • Japan
    7%
  • Asia Developed
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%

The geographic allocation is heavily skewed towards North America (75%), with lesser exposure to Europe Developed and Japan. This concentration in developed markets, particularly the U.S., may limit exposure to potential growth in emerging markets. Increasing diversification across geographies could reduce the portfolio's vulnerability to region-specific economic downturns and capitalize on global growth opportunities.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    26%
  • Mid-cap
    17%
  • Small-cap
    12%
  • Micro-cap
    7%

The market capitalization breakdown shows a diversified mix, with a lean towards mega and big-cap stocks. This mix supports stability through established companies while also tapping into the growth potential of medium, small, and micro-cap stocks. However, the allocation to smaller caps, though potentially offering higher growth, also increases the portfolio's risk profile. Adjusting the balance between different market caps could enhance risk-adjusted returns.

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 appears to be positioned for high growth but may benefit from further optimization to improve its risk-return profile. Adjustments in asset allocation, such as increasing diversification across asset classes and geographies or rebalancing sector exposures, could move the portfolio closer to the Efficient Frontier. This would aim to achieve the most favorable balance between risk and return, based on the current assets and allocation.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • VanEck Semiconductor ETF 0.40%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.59%

The overall dividend yield of the portfolio stands at 1.59%, which is relatively modest. This yield reflects the portfolio's growth focus, prioritizing capital appreciation over income generation. For investors seeking regular income, increasing exposure to assets with higher dividend yields could offer a balanced approach, providing both growth potential and income.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.15%

The portfolio's total expense ratio (TER) of 0.15% is impressively low, which is beneficial for long-term performance as lower costs translate directly into higher net returns. This cost efficiency is a strong point, especially in growth-oriented portfolios where the compound effect of costs can be significant over time. Maintaining this focus on cost efficiency while exploring potential adjustments in asset allocation could further enhance the portfolio's appeal.

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