A growth-oriented portfolio with a strong focus on global diversification and value investing

Report created on Aug 27, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is well-structured, emphasizing a broad market approach with a 65% allocation to a total market index fund and a 20% allocation to international markets, complemented by targeted value plays in small-cap sectors both domestically and internationally. This composition suggests a strategic tilt towards capturing the entire market's growth while seeking additional value-driven opportunities in smaller companies. The balance between large, medium, and small-cap stocks, alongside a significant international presence, underlines a commitment to diversification.

Growth Info

Historical performance showcases a robust compound annual growth rate (CAGR) of 15.14%, with a maximum drawdown of -35.99%. These figures indicate a strong growth trajectory, albeit with significant volatility, as evidenced by the drawdown. The concentration of returns in a handful of days highlights the portfolio's sensitivity to market swings and the importance of staying invested through volatility to capture gains. Comparing this performance to relevant benchmarks could offer further insights into its relative strength.

Projection Info

The Monte Carlo simulation, employing 1,000 scenarios, forecasts a wide range of outcomes but predominantly suggests positive future performance, with a 97.4% chance of gains. This predictive model, while useful, bases its projections on historical data, which does not guarantee future results. The broad spread from the 5th to the 67th percentile underscores the uncertainty inherent in stock investments and the value of maintaining a long-term perspective.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

With 99% of the portfolio in stocks and 1% in cash, the asset class allocation underscores a growth-focused strategy with little hedging against market downturns through safer asset classes like bonds or commodities. This allocation is appropriate for investors with a higher risk tolerance but might be reconsidered for those seeking more stability, especially during market volatility.

Sectors Info

  • Technology
    24%
  • Financials
    17%
  • Industrials
    12%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    4%
  • Consumer Discretionary
    3%
  • Real Estate
    2%
  • Utilities
    2%

The sector allocation reveals a heavy emphasis on technology and financial services, which are sectors known for their growth potential but also for their volatility. The presence in industrials, consumer cyclicals, and healthcare suggests an attempt at balance, but the portfolio could benefit from a closer examination of sector weights in relation to current market trends and future outlooks.

Regions Info

  • North America
    77%
  • Europe Developed
    10%
  • Japan
    5%
  • Asia Emerging
    3%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic allocation heavily favors North America, with significant exposure to developed European markets and a modest presence in emerging and other developed markets. This distribution reflects a cautious approach to international diversification, potentially limiting exposure to high-growth opportunities in emerging markets. Rebalancing to include more diverse geographic exposure could enhance growth prospects and risk mitigation.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    26%
  • Mid-cap
    19%
  • Small-cap
    11%
  • Micro-cap
    7%

The market capitalization breakdown shows a diversified approach, blending mega, big, medium, small, and micro-cap stocks. This mix is indicative of a strategy aiming to capture growth across the market spectrum while potentially buffering against the volatility of smaller cap investments with the stability of larger 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.

Click on the colored dots to explore allocations.

The Efficient Frontier analysis was not explicitly mentioned, but the current allocation suggests a pursuit of optimal risk-return balance. Regularly reviewing the portfolio against the Efficient Frontier can help identify opportunities for further optimization, ensuring the portfolio remains aligned with the investor's risk tolerance and return objectives.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.60%
  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Fidelity Total Market Index Fund 1.00%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.30%
  • Weighted yield (per year) 1.45%

The dividend yields, ranging from 1.00% to 3.60% across different components, contribute to the portfolio's total yield of 1.45%. While not the primary focus of a growth-oriented strategy, these dividends can offer a steady income stream and potential for reinvestment, enhancing overall returns.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity Total Market Index Fund 0.02%
  • FIDELITY TOTAL INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.06%
  • Weighted costs total (per year) 0.07%

The portfolio's total expense ratio (TER) of 0.07% is impressively low, maximizing the potential for net returns. Keeping costs minimal is crucial for long-term growth, as even small differences in fees can significantly impact total investment returns over time.

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