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High-growth portfolio with significant tech exposure and moderate dividend yield

Report created on Jan 8, 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

The portfolio is heavily weighted towards U.S. large-cap growth and dividend equities, making up nearly 64% of the total allocation. This composition leans heavily on ETFs, with the remainder in individual stocks. Compared to a typical balanced portfolio, this structure shows a strong bias towards growth and dividend-focused equities. While this can drive higher returns, it may also increase volatility. Consider rebalancing to include more asset classes, such as bonds or international equities, to diversify and potentially reduce risk.

Growth Info

Historically, the portfolio has delivered impressive returns with a CAGR of 26.35%. This high growth rate reflects the strong performance of the tech sector and large-cap U.S. equities. However, the portfolio also experienced a significant maximum drawdown of -41.85%, indicating substantial volatility. While past performance can provide insights, it doesn't guarantee future results. To mitigate potential downturns, consider diversifying into less volatile assets or sectors.

Projection Info

Forward projections using Monte Carlo simulations show a wide range of potential outcomes, with many scenarios resulting in negative returns. This is a reminder that relying solely on past performance data can be misleading. The simulations highlight the importance of diversification and risk management. To improve future projections, consider adjusting the portfolio to include a mix of asset classes and geographical regions that can offer stability during market fluctuations.

Asset classes Info

  • Stocks
    100%

The portfolio is overwhelmingly concentrated in stocks, accounting for over 99% of the allocation. This lack of asset class diversification can lead to increased risk, especially in volatile markets. A more balanced approach typically includes bonds or other fixed-income investments to provide stability and reduce overall risk. Introducing such asset classes could help cushion the portfolio during downturns and provide more consistent returns over time.

Sectors Info

  • Technology
    47%
  • Health Care
    12%
  • Telecommunications
    10%
  • Financials
    9%
  • Consumer Discretionary
    8%
  • Consumer Staples
    5%
  • Industrials
    5%
  • Energy
    4%
  • Basic Materials
    1%

Technology dominates the sector allocation at nearly 47%, followed by healthcare and communication services. While tech has driven recent growth, it can be sensitive to interest rate changes and regulatory risks. A more balanced sector distribution, in line with benchmark indices, could reduce sector-specific risks. Consider increasing exposure to underrepresented sectors like utilities or real estate to enhance diversification and potentially stabilize returns.

Regions Info

  • North America
    95%
  • Asia Developed
    4%

The portfolio's geographic allocation is heavily skewed towards North America, with over 95% exposure. This concentration may limit diversification benefits and increase vulnerability to region-specific economic downturns. Including more international equities, particularly from developed and emerging markets, could enhance diversification and provide exposure to varied economic cycles. Aligning geographic exposure with global benchmarks may improve 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.

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The portfolio's current allocation may not be fully optimized on the Efficient Frontier, which seeks the best risk-return ratio. By adjusting the weights of existing assets, it may be possible to achieve a more efficient portfolio. This doesn't necessarily mean adding new assets but rather reallocating within the current selection to enhance returns for a given level of risk. Regular reviews can help maintain optimal efficiency.

Dividends Info

  • Micron Technology Inc 0.30%
  • Schwab U.S. Dividend Equity ETF 3.60%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Weighted yield (per year) 1.27%

The portfolio's dividend yield is moderate at 1.27%, with contributions mainly from the Schwab U.S. Dividend Equity ETF. Dividends can provide a steady income stream and cushion against market volatility. For growth-focused investors, a higher yield might not be a priority, but maintaining a balance between growth and income can offer more stability. Consider whether the current yield aligns with your investment goals and risk tolerance.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Weighted costs total (per year) 0.03%

The portfolio benefits from impressively low costs, with a total TER of 0.03%. This efficient cost structure supports better long-term performance by minimizing the drag on returns. Low fees are particularly advantageous in growth-oriented portfolios, as they allow more of the returns to compound over time. Continue monitoring for any changes in fees, and ensure that the cost-effectiveness of the portfolio is maintained.

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