A growth tilted equity portfolio with broad diversification but heavy focus on North American markets

Report created on Dec 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 is almost fully in equities, with a tilt toward total market funds, value strategies, and a notable standalone Canada slice. A growth risk score of 5 out of 7 fits a stock-heavy mix and lines up with the “broadly diversified” label. Being 99% in stocks means big long-term growth potential but sharper ups and downs along the way. Compared with a typical global 60/40 or even all‑equity benchmark, this setup carries more volatility because there are essentially no stabilizing assets. Someone using this structure could think about whether they want to keep such a pure‑equity approach or gradually add a small buffer asset for smoother ride.

Growth Info

Historically, the portfolio shows a strong compound annual growth rate (CAGR) of 14.78%. CAGR is like average speed on a long road trip, smoothing out bumps so you can compare it to a benchmark. That growth is impressive for an equity-heavy mix and suggests the combination of broad market and value tilts has paid off. At the same time, the max drawdown of about -38% highlights that big losses can occur during market stress. The fact that only 18 days made up 90% of returns underlines how missing a few strong days can hurt results. Past performance, though, can’t guarantee similar returns going forward.

Projection Info

The Monte Carlo analysis, which runs 1,000 random “what if” paths using historical patterns, points to a wide range of possible outcomes. Monte Carlo is basically a simulation tool that shuffles return sequences to see many alternate futures. Here, the 5th percentile ending value at 35.8% shows a tough but still positive scenario, while the median (50th percentile) at 453.6% and 67th at 680.7% underline strong upside potential. An annualized simulated return of 15% and 983 of 1,000 simulations being positive support the growth profile. Still, simulations depend heavily on past data and assumed volatility, so they cannot predict crises or regime shifts perfectly.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Asset class allocation is extremely straightforward: 99% stocks and about 1% cash. This creates high sensitivity to equity market swings but also maximizes exposure to long-term stock market growth. A typical global multi‑asset benchmark would include a chunk of bonds or other defensive assets, which mute volatility but lower expected returns. This equity‑only stance is very consistent with a “growth” classification and can be very effective over long horizons, especially if someone can handle major short‑term drops. If short‑term liquidity needs or emotional comfort become more important, gradually introducing a small allocation to more stable assets could make the ride easier without completely changing the return profile.

Sectors Info

  • Financials
    23%
  • Technology
    19%
  • Industrials
    12%
  • Consumer Discretionary
    9%
  • Energy
    8%
  • Basic Materials
    7%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Telecommunications
    5%
  • Utilities
    3%
  • Real Estate
    2%

Sector exposure is fairly broad: financials (23%) and technology (19%) are the top weights, followed by industrials, consumer cyclicals, and energy. This spread across 10+ sectors is a good sign and lines up reasonably well with common equity benchmarks, especially for a North America‑heavy mix. A relatively high financials tilt can benefit from rising rates and solid economic growth but may feel more stress in credit or banking downturns. Tech at just under a fifth means meaningful growth exposure without being excessively concentrated. This sector composition matches benchmark data closely, which is a strong indicator of solid diversification and keeps single‑theme risk in check.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Japan
    4%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, North America dominates at 81%, with moderate exposure to developed Europe (8%), Japan (4%), and small slices in emerging and other developed Asia. This home‑region tilt is common for U.S. investors and has been rewarded in recent years as North American markets, especially U.S. equities, outperformed many regions. Compared with a market‑cap weighted global equity benchmark, this is clearly overweight North America and underweight non‑U.S. markets. That means results will be heavily linked to North American economic and policy trends. Increasing non‑North‑American exposure over time could reduce regional concentration and smooth the impact of any long spell of underperformance in the domestic market.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    30%
  • Mid-cap
    20%
  • Small-cap
    9%
  • Micro-cap
    6%

By market cap, there is a healthy blend: 34% mega, 30% big, 20% medium, 9% small, and 6% micro. This is more diversified than a pure large‑cap benchmark and lines up nicely with the use of total market and small value ETFs. Smaller companies can add higher growth potential and stronger long‑term return prospects but tend to be more volatile and can drop more in recessions. The presence of both mega caps and micro caps means the portfolio captures the whole corporate spectrum. This allocation is well‑balanced and aligns closely with global standards, giving exposure to both stable blue chips and more dynamic smaller businesses.

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.

Risk versus return for this mix could likely sit close to the Efficient Frontier for an all‑equity universe. The Efficient Frontier is a curve showing the best possible risk‑return combinations for given assets, like finding the fastest route for a set amount of fuel. Optimization here would mean only adjusting the weights between the existing ETFs, not changing the menu. For example, shifting a bit between domestic, international, and small value sleeves could fine‑tune volatility or expected return without adding new holdings. “Efficiency” in this sense simply means the strongest trade‑off between risk and reward; it doesn’t automatically ensure diversification by region or sector matches personal preferences.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.00%
  • Avantis® U.S. Small Cap Value ETF 1.60%
  • iShares MSCI Canada ETF 1.40%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 3.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Value Index Fund ETF Shares 2.00%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.77%

The portfolio’s combined yield of about 1.77% reflects a blend of lower‑yield broad U.S. exposure and higher‑yield international and value‑tilted positions. Dividend yield is the annual cash payout as a percentage of the fund price, and it can provide a modest income stream while you wait for long‑term capital growth. The higher yields in developed ex‑U.S., emerging markets, and international small value give a bit more income stability and may help during flat markets. This yield level is typical for a growth‑oriented equity mix that still has a value slant. Reinvesting dividends can meaningfully boost long‑term compounding, even when the yield doesn’t look high on paper.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares MSCI Canada ETF 0.50%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.18%

With a total expense ratio (TER) of about 0.18%, costs are impressively low for such a diversified, factor‑tilted portfolio. TER is the annual fee charged by funds as a percentage of assets, and it quietly chips away at returns every year. Here, broad index ETFs from Vanguard keep the base cost down, while the Avantis small cap value funds add a bit of cost but also unique factor exposure. Compared with many actively managed or less efficient portfolios, this fee level is very competitive and supports better long‑term performance. Continuously keeping an eye on fees and using low‑cost options where possible helps more of the portfolio’s growth stay in your pocket.

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