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.
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A growth-focused portfolio with a strong tilt towards technology and U.S. equities

Report created on Aug 11, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

This portfolio is heavily weighted towards large-cap U.S. equities, primarily through the Vanguard S&P 500 ETF, which constitutes half of the portfolio. The inclusion of specialized ETFs in technology and fintech sectors, alongside a small-cap ETF and an international stock index, indicates an attempt at diversification. However, the presence of the iShares Bitcoin Trust introduces a higher risk element, reflecting the growth-oriented risk profile of this portfolio.

Growth Info

Historically, the portfolio has shown impressive growth with a Compound Annual Growth Rate (CAGR) of 22.81%. The maximum drawdown of -19.94% is within acceptable limits for growth-focused investors. It's important to note that a few days have disproportionately contributed to the overall returns, highlighting the volatility and the potential risk associated with this investment strategy.

Projection Info

Monte Carlo simulations, which project future performance based on historical data, suggest a wide range of outcomes for this portfolio. While all simulations returned positive outcomes, the variance between the 5th and 67th percentiles is significant. This underscores the inherent uncertainty and risk in predicting future returns, especially for growth-oriented portfolios with high exposure to technology and cryptocurrencies.

Asset classes Info

  • Stocks
    95%
  • Other
    5%

The portfolio's asset allocation is heavily skewed towards stocks (95%), with a small allocation in 'Other' presumably representing the cryptocurrency exposure through the iShares Bitcoin Trust. This composition supports the portfolio's growth ambitions but also increases susceptibility to market volatility. Diversifying further into other asset classes could help mitigate risks without significantly diluting growth potential.

Sectors Info

  • Technology
    32%
  • Industrials
    15%
  • Financials
    13%
  • Consumer Discretionary
    9%
  • Health Care
    7%
  • Telecommunications
    7%
  • Consumer Staples
    4%
  • Real Estate
    2%
  • Energy
    2%
  • Utilities
    2%
  • Basic Materials
    2%

The sectoral allocation reveals a strong emphasis on technology, industrials, and financial services. This concentration in sectors known for innovation and growth aligns with the portfolio's objectives but also increases sensitivity to sector-specific risks. Broadening exposure to include more defensive sectors could provide stability in downturns without drastically altering the growth trajectory.

Regions Info

  • North America
    84%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Japan
    1%
  • Australasia
    1%

Geographic exposure is predominantly North American (84%), with minimal diversification into international markets. This concentration benefits from the robust performance of U.S. equities but limits exposure to global growth opportunities and increases vulnerability to regional economic fluctuations. Increasing international diversification could enhance resilience and growth prospects.

Market capitalization Info

  • Mega-cap
    31%
  • Large-cap
    29%
  • Mid-cap
    22%
  • Small-cap
    11%
  • Micro-cap
    2%

The market capitalization breakdown shows a balanced exposure across mega, big, and medium-cap stocks, with a modest allocation to small and micro-caps. This blend supports a growth strategy while offering some level of stability through large-cap holdings. However, the relatively lower allocation to small and micro-caps may limit potential for outsized returns from emerging companies.

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.

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Based on the Efficient Frontier analysis, this portfolio could potentially benefit from optimization to improve the risk-return ratio. Adjustments in asset allocation, particularly increasing international and sectoral diversification, could enhance performance without proportionately increasing risk. This approach aligns with the principle of not putting all eggs in one basket, even within a growth-focused strategy.

Dividends Info

  • Global X Artificial Intelligence & Technology ETF 0.10%
  • Global X FinTech ETF 0.50%
  • Vanguard Small-Cap Index Fund ETF Shares 1.40%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Industrial Select Sector SPDR® Fund 1.30%
  • Weighted yield (per year) 1.14%

The dividend yield across the portfolio averages to 1.14%, which is reasonable for growth-focused investments prioritizing capital appreciation over income. However, investors seeking regular income might consider reallocating towards assets with higher dividend yields or diversifying into income-focused asset classes.

Ongoing product costs Info

  • Global X Artificial Intelligence & Technology ETF 0.68%
  • Global X FinTech ETF 0.68%
  • iShares Bitcoin Trust 0.12%
  • Vanguard Small-Cap Index Fund ETF Shares 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Industrial Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.15%

The Total Expense Ratio (TER) of 0.15% is relatively low, contributing to the portfolio's efficiency by minimizing drag on returns. The higher costs associated with the niche technology ETFs are justified by their specialized exposure, but ongoing monitoring is advisable to ensure they continue to provide value relative to their expense.

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