A growth-focused portfolio with a balanced mix of US and international ETFs
Report created on Jul 20, 2025Risk profile
5/7
Diversification profile
4/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 40.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 10.00% -
VO Vanguard Mid-Cap Value Index Fund ETF Shares
VOE - US9229085124 10.00%
This portfolio is characterized by a strong foundation in ETFs, with a significant allocation towards the Vanguard S&P 500 ETF and the Vanguard Total International Stock Index Fund ETF Shares, making up 70% of the portfolio. The inclusion of small-cap, mid-cap, and dividend-focused ETFs enhances its diversification across market capitalizations and sectors. The portfolio's growth orientation is evident from its risk score and diversified sector exposure, aiming to balance risk and return effectively.
Growth
With a Compound Annual Growth Rate (CAGR) of 13.71% and a maximum drawdown of -35.99%, the portfolio demonstrates robust growth potential tempered by significant volatility. The days contributing to 90% of returns highlight the impact of short-term gains on overall performance. This historical performance, while impressive, underscores the importance of risk tolerance and long-term investment horizons for potential investors.
Projection
Utilizing Monte Carlo simulations, the portfolio's forward projection indicates a wide range of outcomes, with a median annualized return of 14.30%. The simulations suggest a high likelihood of positive returns, with 970 out of 1,000 simulations ending profitably. However, it's crucial to note that these projections, based on historical data, do not guarantee future performance and should be considered alongside other investment evaluations.
Asset classes
- Stocks 99%
- Cash 1%
The portfolio's asset allocation is heavily skewed towards stocks (99%), with a minimal cash reserve (1%). This allocation supports its growth profile but also increases susceptibility to market volatility. Diversifying across different asset classes, such as bonds or real estate, could provide additional stability during market downturns without significantly compromising growth potential.
Sectors
- Technology 20%
- Financials 18%
- Industrials 12%
- Consumer Discretionary 11%
- Health Care 9%
- Consumer Staples 8%
- Energy 7%
- Telecommunications 7%
- Basic Materials 4%
- Utilities 3%
- Real Estate 3%
Sector allocation reveals a balanced approach, with technology and financial services as the leading sectors. This sectoral spread aligns with a growth-oriented strategy but may expose the portfolio to sector-specific risks. For instance, technology stocks can be volatile, influenced by market sentiment and regulatory changes. A periodic review of sector weightings can help mitigate these risks.
Regions
- North America 72%
- Europe Developed 12%
- Asia Emerging 5%
- Japan 5%
- Asia Developed 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographic distribution shows a strong bias towards North America (72%), with diversified exposure across developed and emerging markets. While this provides a solid foundation in stable economies, the underrepresentation in emerging markets and specific regions like Latin America and Africa/Middle East limits exposure to high-growth potential areas. Expanding geographic diversity could enhance returns and reduce regional risk.
Market capitalization
- Mega-cap 32%
- Large-cap 29%
- Mid-cap 25%
- Small-cap 7%
- Micro-cap 5%
The portfolio's market capitalization breakdown indicates a balanced approach, with a slight emphasis on larger companies. This strategy offers stability and reduces risk but may limit exposure to the high growth potential of smaller firms. Considering a slight increase in small and micro-cap allocations could enhance growth prospects, albeit with increased volatility.
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 portfolio's current allocation appears to be near the Efficient Frontier, suggesting an optimal balance between risk and return based on historical data. However, investors should regularly re-evaluate asset allocation to maintain this balance, especially as market conditions and investment goals evolve. Adjustments may include rebalancing towards underrepresented asset classes or regions to enhance diversification and potential returns.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.70%
- Schwab U.S. Dividend Equity ETF 3.80%
- Vanguard Mid-Cap Value Index Fund ETF Shares 2.20%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 2.09%
Dividend yields contribute to the portfolio's total return, with an average yield of 2.09%. This income stream, particularly from the Schwab U.S. Dividend Equity ETF, complements capital gains and provides cash flow during market volatility. Regularly reviewing dividend-paying positions ensures that the portfolio maintains a balance between growth and income.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard Mid-Cap Value Index Fund ETF Shares 0.07%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.06%
The portfolio's overall expense ratio is impressively low at 0.06%, which is beneficial for long-term growth by minimizing cost drag on returns. This cost efficiency is a testament to the selection of low-cost ETFs, a strategy that investors should continue to prioritize to maximize net returns.
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