Growth-focused portfolio with strong tech orientation and strategic gold investment

Report created on Nov 4, 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 exhibits a strong inclination towards growth-oriented assets, with significant allocations in technology-focused ETFs and large-cap growth funds, comprising over 55% of the total. The inclusion of a broad market index fund and a small-cap ETF adds a layer of diversification, although the overall asset class distribution remains heavily skewed towards stocks. The strategic allocation to gold via the SPDR® Gold Shares ETF introduces a non-correlated asset, potentially serving as a hedge against market volatility. However, the portfolio's diversification could be further improved by reducing overlap between highly correlated assets.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 16.60%, with a maximum drawdown of -29.84%. These figures indicate a strong performance with significant volatility, as evidenced by the substantial drawdown. The days contributing most to the returns suggest that a small number of high-performing days are critical to the portfolio's overall success. Comparing this to a benchmark would provide context, but the high CAGR suggests that the portfolio has been well-positioned to capture growth in favorable market conditions.

Projection Info

Monte Carlo simulations, using historical data to project future outcomes, show a wide range of potential returns, with the median scenario suggesting a 603.3% increase. While these projections offer valuable insight, it's crucial to remember that they rely on past trends, which may not accurately predict future market behavior. The high percentage of simulations with positive returns underscores the growth potential of this portfolio, but investors should remain aware of the inherent uncertainties in these projections.

Asset classes Info

  • Stocks
    90%
  • Other
    10%

The portfolio's asset class allocation is heavily weighted towards stocks (90%), with a 10% allocation to 'Other', primarily gold. This concentration in equities is typical for growth-oriented portfolios but carries higher volatility and risk. The presence of gold as a diversifying asset is a prudent choice, potentially offering stability during stock market downturns. Expanding into additional asset classes, such as fixed income or real estate, could provide further diversification benefits.

Sectors Info

  • Technology
    33%
  • Telecommunications
    10%
  • Financials
    10%
  • Health Care
    8%
  • Industrials
    8%
  • Consumer Discretionary
    6%
  • Consumer Discretionary
    5%
  • Consumer Staples
    4%
  • Basic Materials
    2%
  • Energy
    2%
  • Real Estate
    2%
  • Utilities
    2%

Sector allocation is heavily tilted towards technology, which represents a third of the portfolio. This concentration reflects the portfolio's growth focus but also introduces sector-specific risks, such as increased volatility during economic downturns or interest rate hikes. Financial services, healthcare, and industrials provide some balance, but the overall sector exposure could benefit from greater diversification to mitigate risks associated with tech sector fluctuations.

Regions Info

  • North America
    81%
  • Europe Developed
    6%
  • Japan
    2%
  • Australasia
    1%

Geographic allocation is predominantly in North America (81%), with minimal exposure to other regions. This concentration enhances the portfolio's growth potential, given the robust performance of U.S. markets in recent years, but also increases vulnerability to regional economic shifts. Expanding into developed European markets or Asia could offer growth opportunities and reduce geographic concentration risk.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    25%
  • Mid-cap
    12%
  • No data
    10%
  • Small-cap
    6%
  • Micro-cap
    4%

The portfolio's market capitalization exposure is well-distributed among mega (42%), big (25%), and medium (12%) cap stocks, with a smaller allocation to small and micro caps. This distribution supports the portfolio's growth objectives while incorporating some level of diversification across different company sizes. However, the significant weight in mega and big caps reflects a conservative approach to growth investing, potentially limiting exposure to higher-growth small-cap opportunities.

Redundant positions Info

  • Fidelity 500 Index Fund
    FIDELITY ZERO TOTAL MARKET INDEX FUND
    High correlation
  • Schwab U.S. Large-Cap Growth ETF
    Invesco QQQ Trust
    High correlation

The high correlation observed between certain assets, especially within the growth ETFs and index funds, suggests redundancy that may not contribute to diversification. This overlap, particularly between the Fidelity 500 Index Fund and the FIDELITY ZERO TOTAL MARKET INDEX FUND, as well as between the Schwab U.S. Large-Cap Growth ETF and the Invesco QQQ Trust, indicates an area for potential optimization by reallocating to less correlated assets to enhance portfolio efficiency.

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 suggests an opportunity for optimization by reducing overlap among highly correlated assets. This could improve diversification without sacrificing the portfolio's growth objectives. The potential for an increased expected return to 18.47% with the same level of risk underscores the possibility of enhancing performance through strategic reallocation. This optimization process should focus on maintaining growth potential while improving risk management through better diversification.

Dividends Info

  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 2.30%
  • Fidelity 500 Index Fund 1.10%
  • FIDELITY ZERO TOTAL MARKET INDEX FUND 1.00%
  • Invesco QQQ Trust 0.40%
  • Schwab U.S. Large-Cap Growth ETF 0.30%
  • SPDR® Portfolio S&P 600 Small Cap ETF 1.70%
  • Weighted yield (per year) 0.85%

Dividend yields across the portfolio vary, contributing to its total return. The FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS offers the highest yield at 2.30%, while growth-focused ETFs like the Invesco QQQ Trust and Schwab U.S. Large-Cap Growth ETF offer lower yields. This reflects the portfolio's focus on capital appreciation over income. Investors seeking a balance between growth and income may consider increasing allocations to higher-yielding assets.

Ongoing product costs Info

  • FIDELITY INTERNATIONAL INDEX FUND INSTITUTIONAL PREMIUM CLASS 0.04%
  • Fidelity 500 Index Fund 0.02%
  • SPDR® Gold Shares 0.40%
  • Invesco QQQ Trust 0.20%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • SPDR® Portfolio S&P 600 Small Cap ETF 0.03%
  • Weighted costs total (per year) 0.10%

The portfolio's total expense ratio (TER) of 0.10% is impressively low, enhancing its long-term return potential by minimizing costs. The individual expense ratios of the holdings range from 0.02% to 0.40%, with the SPDR® Gold Shares ETF being the most expensive. Keeping costs low is crucial for maximizing investment returns, especially in a growth-oriented portfolio where compound growth plays a significant role.

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