This portfolio has only about 1.5 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

A growth-focused portfolio with a strong tilt towards technology and innovation ETFs

Report created on Aug 10, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is characterized by a heavy concentration in technology and innovation-centric ETFs, making up 90% of the allocation, complemented by a 10% investment in gold as a potential hedge or diversifier. The selection of ETFs spans across various aspects of the technology sector, including general innovation, semiconductors, and information technology, alongside a significant position in the NASDAQ 100. This structure suggests a deliberate strategy to leverage growth in tech-driven markets, though it also introduces a sector concentration risk.

Growth Info

Historically, this portfolio has exhibited strong performance with a Compound Annual Growth Rate (CAGR) of 36.93%. While impressive, it's crucial to remember that past performance is not always indicative of future results. High growth rates in tech sectors have been driven by unique market conditions that may not persist indefinitely. The portfolio's maximum drawdown of -26.85% indicates significant volatility, which is typical for growth-focused investments heavily weighted in technology.

Projection Info

Monte Carlo simulations, which project potential outcomes based on historical data, suggest a wide range of future performance scenarios for this portfolio. The median projected growth is exceptionally high, but it's important to understand the limitations of these simulations. They cannot account for unforeseen market shifts or sector-specific downturns. Therefore, while these projections are useful for setting expectations, they should not be the sole basis for investment decisions.

Asset classes Info

  • Stocks
    90%

The asset class composition is heavily skewed towards stocks, particularly those in the technology sector, with a minor allocation in gold. This singular focus on equities, especially in a volatile sector, enhances growth potential but also increases risk. Diversification across asset classes can mitigate some of this risk, potentially smoothing out returns over time and reducing the impact of tech sector volatility.

Sectors Info

  • Technology
    31%
  • Industrials
    11%
  • Telecommunications
    6%
  • Utilities
    6%
  • Health Care
    5%
  • Consumer Discretionary
    5%
  • Financials
    4%
  • Energy
    3%
  • Consumer Staples
    1%
  • Basic Materials
    1%

The sector allocation is heavily concentrated in technology, with smaller allocations in industrials, communication services, and others. This concentration aligns with the portfolio’s growth orientation but could be a double-edged sword during tech sector downturns. Diversifying across more sectors could provide a buffer against such volatility, potentially leading to more stable long-term performance.

Regions Info

  • North America
    80%
  • Asia Developed
    4%
  • Europe Developed
    3%
  • Japan
    1%

Geographic exposure is predominantly North American, reflecting a common bias in growth-focused portfolios towards the U.S. technology market. However, this geographic concentration may limit exposure to growth opportunities in other regions. Incorporating more diverse geographic exposure could enhance returns and reduce risks associated with regional economic downturns or geopolitical tensions.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    31%
  • Mid-cap
    16%
  • Small-cap
    6%
  • Micro-cap
    4%

The portfolio's market capitalization exposure leans heavily towards mega and big cap stocks, which is typical for technology-focused investments. These companies often offer stability and consistent growth but may also limit the portfolio's upside compared to mid or small-cap investments. Adjusting the balance towards smaller caps could introduce higher growth potential, albeit with increased volatility.

Redundant positions Info

  • Vanguard Information Technology Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    High correlation

The high correlation observed between certain ETFs, especially those focused on information technology and the NASDAQ 100, indicates overlapping exposures that may not provide the intended diversification benefits. Reducing asset overlap could enhance the portfolio's risk-adjusted returns by ensuring that each investment contributes uniquely to the portfolio's performance 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 portfolio's current composition, while strong in growth potential, could benefit from optimization to balance risk and return more effectively. The Efficient Frontier analysis suggests that a slightly adjusted allocation could achieve similar or better returns with less risk. This optimization involves reducing overlap in highly correlated assets and possibly diversifying into other sectors or asset classes.

Dividends Info

  • Exchange Traded Concepts Trust 0.10%
  • Invesco NASDAQ 100 ETF 0.50%
  • VanEck Semiconductor ETF 0.40%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Weighted yield (per year) 0.27%

The overall dividend yield of the portfolio is relatively low, which is typical for growth-oriented investments focused on capital appreciation rather than income. Investors prioritizing growth may find this acceptable, but those seeking income alongside growth might consider diversifying into assets or sectors with higher dividend yields.

Ongoing product costs Info

  • ARK Innovation ETF 0.75%
  • iShares® Gold Trust Micro 0.09%
  • Exchange Traded Concepts Trust 0.85%
  • Invesco NASDAQ 100 ETF 0.15%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Weighted costs total (per year) 0.40%

The portfolio's total expense ratio (TER) is moderate, blending higher-cost innovative ETFs with more cost-efficient options. Reducing costs can significantly enhance long-term returns due to the compounding effect of saved expenses. Reviewing the cost-benefit of each ETF could identify opportunities to maintain strategic exposure while minimizing fees.

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