Aggressive growth portfolio with high tech exposure and significant single-stock risk

Report created on Aug 20, 2025

Risk profile Info

6/7
Aggressive
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is heavily weighted towards growth-oriented assets, with 60% in a U.S. Large-Cap Growth ETF and significant positions in a single common stock (Jiayin Group Inc) at 15% and a U.S. Small-Cap ETF at 15%. The remaining 10% is in a U.S. Large-Cap Value ETF. This composition indicates a strong growth focus, with a notable concentration risk due to the large single-stock position. The portfolio's diversification is moderately achieved through ETFs, but the single stock's large share introduces potential volatility and risk.

Growth Info

Historically, the portfolio has achieved a Compound Annual Growth Rate (CAGR) of 25.12%, with a maximum drawdown of -33.62%. This performance suggests a high return potential but comes with significant risk, as evidenced by the deep drawdown. The days contributing to 90% of returns being concentrated in just 16 days indicate extreme volatility and the importance of timing in this investment strategy.

Projection Info

Monte Carlo simulations project a wide range of outcomes, from a severe loss of -94.5% to a substantial gain, with a median outcome of 166.9%. This spread underscores the portfolio's high-risk, high-reward nature. While the potential for outsized gains is attractive, the possibility of substantial losses cannot be ignored. It's crucial to understand that these projections are based on historical data and cannot guarantee future results.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely composed of stocks, with no allocation to bonds, cash, or alternative investments. This singular focus on equities maximizes growth potential but also increases risk, especially in market downturns. Diversifying across asset classes can reduce volatility and provide a cushion during stock market declines.

Sectors Info

  • Technology
    34%
  • Telecommunications
    24%
  • Consumer Discretionary
    10%
  • Financials
    9%
  • Health Care
    8%
  • Industrials
    7%
  • Consumer Staples
    2%
  • Real Estate
    2%
  • Basic Materials
    2%
  • Energy
    2%
  • Utilities
    1%

With 34% in technology and 24% in communication services, the portfolio is heavily tilted towards sectors that can exhibit high volatility but also offer significant growth opportunities. The concentration in these sectors increases exposure to sector-specific risks, such as regulatory changes or technological shifts, which could impact overall performance.

Regions Info

  • North America
    85%
  • Asia Emerging
    15%

The geographic allocation is predominantly North American (85%), with a 15% exposure to emerging Asian markets through Jiayin Group Inc. This geographic distribution supports growth but limits global diversification. Expanding into other regions or emerging markets could provide additional growth avenues and reduce geographic concentration risk.

Market capitalization Info

  • Mega-cap
    41%
  • Small-cap
    25%
  • Large-cap
    18%
  • Mid-cap
    11%
  • Micro-cap
    5%

The portfolio's market capitalization breakdown shows a bias towards mega-cap (41%) and small-cap (25%) stocks. This mix of large, established companies and smaller, potentially faster-growing firms is conducive to growth but also entails a higher risk level, particularly from the small-cap segment.

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 presents an opportunity for optimization towards the Efficient Frontier, aiming for the best possible risk-return ratio. Adjusting allocations between the existing assets could enhance returns for a given level of risk. However, introducing additional asset classes or diversifying within sectors and geographies could further optimize performance.

Dividends Info

  • Jiayin Group Inc 10.10%
  • Schwab U.S. Small-Cap ETF 1.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab U.S. Large-Cap Value ETF 2.10%
  • Weighted yield (per year) 2.19%

The portfolio's average dividend yield is 2.19%, with a notable outlier being Jiayin Group Inc at 10.10%. While dividends contribute to total return, the portfolio's focus seems to be more on capital appreciation than income. For investors seeking income, diversifying into assets with higher and more stable dividend yields could be beneficial.

Ongoing product costs Info

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

The total expense ratio (TER) of 0.03% is impressively low, enhancing long-term return potential by minimizing cost drag. Keeping costs low is crucial for maximizing returns, especially in aggressive growth strategies where every percentage point of performance matters.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey