Growth-oriented portfolio with a strong technology tilt and global exposure

Report created on Sep 25, 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 heavily weighted towards technology and growth-oriented assets, with 75% allocated to U.S.-based ETFs focusing on large-cap growth, momentum, and the technology sector. The inclusion of the Vanguard Total International Stock Index Fund ETF Shares introduces some international diversification, albeit with a strong North American bias. The presence of a gold and gold miners strategy fund, along with a semiconductor ETF, suggests an attempt to hedge against market volatility and sector-specific growth, respectively. However, the heavy concentration in technology and related sectors raises questions about sectoral diversification.

Growth Info

Historically, this portfolio has shown a Compound Annual Growth Rate (CAGR) of 18.09%, with a maximum drawdown of -29.79%. These figures indicate a strong performance, particularly in growth phases of the market, but also highlight potential volatility and risk during market downturns. The days contributing to 90% of returns being concentrated in such a short span further underscores the portfolio's sensitivity to market movements. Comparing these results with benchmarks would provide further context on performance relative to market averages.

Projection Info

Based on Monte Carlo simulations, which use historical data to project future outcomes, this portfolio shows a wide range of potential future values, with a median increase of 1,268.6%. While these projections offer a positive outlook, it's important to remember that they are based on past performance, which is not a reliable indicator of future results. The significant variance in simulation outcomes also highlights the portfolio's risk level.

Asset classes Info

  • Stocks
    99%
  • Bonds
    1%

The portfolio's asset allocation is overwhelmingly in stocks (99%), with a negligible presence in bonds (1%), and no cash or other asset classes. This allocation reflects a high-risk, high-reward strategy, suitable for investors with a long-term horizon and a high tolerance for volatility. Diversifying across more asset classes could reduce risk without necessarily compromising long-term return potential.

Sectors Info

  • Technology
    50%
  • Financials
    10%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Basic Materials
    6%
  • Industrials
    6%
  • Health Care
    4%
  • Consumer Staples
    4%
  • Energy
    1%
  • Utilities
    1%
  • Real Estate
    1%

With 50% of the portfolio in technology, followed by financial services, consumer cyclicals, and communication services, the sectoral allocation underscores a growth-focused strategy. This concentration in cyclical sectors may lead to higher volatility in response to economic cycles. Considering a broader spread across sectors, including more defensive ones like healthcare or consumer staples, could offer more stability.

Regions Info

  • North America
    84%
  • Europe Developed
    6%
  • Asia Emerging
    3%
  • Asia Developed
    2%
  • Japan
    2%
  • Africa/Middle East
    1%
  • Australasia
    1%

The geographic allocation is heavily skewed towards North America (84%), with modest exposure to developed Europe (6%) and emerging Asian markets (3%). This concentration enhances exposure to U.S. market dynamics but may limit potential gains from global economic growth. Increasing exposure to underrepresented regions could enhance diversification and reduce geographic risk.

Market capitalization Info

  • Mega-cap
    51%
  • Large-cap
    34%
  • Mid-cap
    13%
  • Small-cap
    1%

The focus on mega (51%) and big (34%) cap stocks highlights a preference for established, large-scale companies, likely chosen for their perceived stability and growth potential. While this may offer some protection during market volatility, incorporating more medium or even small-cap stocks could introduce higher growth potential, albeit with increased risk.

Redundant positions Info

  • Technology Select Sector SPDR® Fund
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The high correlation between technology-focused ETFs suggests redundancy, limiting the diversification benefits of holding multiple assets. This redundancy not only increases the portfolio's sector-specific risk but also its sensitivity to market fluctuations affecting the tech sector. Rebalancing to include less correlated assets could improve the portfolio's overall risk profile.

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 current portfolio could benefit from optimization to improve its risk-return profile. The Efficient Frontier analysis suggests that there is room to reallocate assets to achieve a more efficient balance between risk and return. Specifically, reducing overlap in highly correlated technology assets and increasing diversification across sectors and geographies could enhance the portfolio's performance potential.

Dividends Info

  • WisdomTree Efficient Gold Plus Gold Miners Strategy Fund 3.60%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.30%
  • Invesco S&P 500® Momentum ETF 0.50%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Technology Select Sector SPDR® Fund 0.50%
  • Weighted yield (per year) 0.96%

The portfolio's overall dividend yield is relatively low at 0.96%, reflective of its growth orientation. While current income may not be a priority, dividends can provide a steady income stream and contribute to total returns, especially in volatile or declining markets. Considering assets with higher dividend yields could offer a more balanced approach to growth and income.

Ongoing product costs Info

  • WisdomTree Efficient Gold Plus Gold Miners Strategy Fund 0.45%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Technology Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.11%

With a Total Expense Ratio (TER) of 0.11%, the portfolio is cost-efficient, minimizing the drag on returns caused by fees. This is commendable, as lower costs can significantly impact long-term investment growth. Maintaining this focus on cost efficiency while exploring diversification options could enhance the portfolio's net performance.

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