A growth focused portfolio with strong large cap tilt and moderate global diversification

Report created on Aug 7, 2024

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Overall, this is an aggressive growth portfolio dominated by stocks and large US funds. Roughly half sits in broad US index funds and the rest in a mix of big tech names plus targeted themes like clean energy and a single high‑yield stock. This structure leans heavily into long‑term capital growth instead of stability or income. That matches many growth benchmarks, which also favor large US companies, so the core is well-aligned with common practice. To strengthen it further, consider whether the big positions in a few individual companies feel intentional, or if you’d prefer shifting a bit more weight into broadly diversified funds for smoother long‑term behavior.

Growth Info

Historically, this mix has delivered a very strong Compound Annual Growth Rate (CAGR) of about 18.2%. CAGR is like the “average speed” of your money per year, smoothing out ups and downs over time. For context, broad US stock benchmarks have generally returned closer to 8–10% annually over long stretches, so this is a high‑octane result. The trade‑off shows up in the maximum drawdown of about –34.7%, meaning a big temporary loss during market stress. That’s in line with an aggressive growth profile. It’s worth remembering that past performance doesn’t guarantee future results, especially for tech‑heavy setups where leadership can rotate over time.

Projection Info

The Monte Carlo analysis, using 1,000 simulations, shows a wide range of possible futures. Monte Carlo is a method that runs many “what if” scenarios by mixing past return patterns in random sequences, giving a spread of potential outcomes instead of a single forecast. Here, the median case grows wealth several times over, and even the pessimistic 5th percentile still shows a smaller but positive gain. That’s encouraging and consistent with the historic numbers. Still, these simulations rely on historical data and assume similar behavior going forward, which is a big assumption. Treat the outputs as rough guide rails, not guarantees, especially with concentrated exposure to fast‑moving growth names.

Asset classes Info

  • Stocks
    100%

This portfolio is 100% in stocks, with no bonds or cash buffer. Stocks historically offer the highest long‑term growth but also the largest swings, especially over shorter periods like a few years. Many broad benchmarks for growth investors still include a small slice of safer assets for shock absorption, but this setup leans fully into equity risk. For someone focused purely on long‑term growth and comfortable with deep temporary declines, that can be fine. If at any point big drops become stressful or there are medium‑term spending needs, adding even a modest allocation to more defensive assets could help smooth the ride without completely sacrificing growth potential.

Sectors Info

  • Technology
    26%
  • Consumer Discretionary
    21%
  • Telecommunications
    20%
  • Energy
    8%
  • Industrials
    6%
  • Financials
    5%
  • Utilities
    5%
  • Health Care
    4%
  • Consumer Staples
    3%
  • Basic Materials
    1%
  • Real Estate
    1%

Sector-wise, there’s a clear tilt toward technology, consumer cyclicals, and communication services, which together dominate the portfolio. That’s very similar to many modern equity indexes, where tech and tech‑adjacent companies take up big weights, so the core exposure is well-aligned with current benchmarks. The smaller allocations to energy, utilities, financials, healthcare, and industrials add some diversification, which is a positive. Just be aware that when interest rates rise or investors rotate away from growth stocks, tech‑heavy setups can swing more than the broad market. Balancing this tilt could involve gradually increasing exposure to steadier, more defensive areas if volatility ever feels too intense.

Regions Info

  • North America
    86%
  • Europe Developed
    6%
  • Asia Emerging
    3%
  • Japan
    2%
  • Asia Developed
    1%
  • Latin America
    1%
  • Australasia
    1%

Geographically, about 86% sits in North America, with limited but meaningful exposure across Europe, Asia, and other regions. This US‑heavy tilt mirrors many standard benchmarks and has been rewarded over the last decade as US markets outperformed much of the world. That alignment is a real strength. The international slice, though smaller, still broadens the opportunity set and adds some diversification against purely domestic risk. If global balance is a priority, gradually nudging the non‑US share higher could reduce dependence on a single economy. On the other hand, if there’s strong conviction in US leadership, the current split already reflects that view in a clear and consistent way.

Market capitalization Info

  • Mega-cap
    57%
  • Large-cap
    29%
  • Mid-cap
    11%
  • Small-cap
    1%

By market capitalization, this portfolio is strongly tilted to mega and big companies, with over 80% in the largest firms. Market cap is basically company size, and bigger firms tend to be more stable and widely followed than smaller ones. This alignment with major indexes helps reduce single‑stock blow‑up risk while still capturing broad market growth. The small slice in medium and small companies adds a bit of extra growth potential but isn’t large enough to drive overall volatility. If there’s interest in higher long‑term return potential at the cost of more bumps, slightly increasing mid/small exposure via broad funds could be a way to fine‑tune without overconcentrating in niche names.

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.

From a risk‑return angle, this portfolio likely sits close to the upper part of the Efficient Frontier among its current holdings. The Efficient Frontier is a curve showing the best possible trade‑off between risk (volatility) and return using just the existing building blocks, by varying how much is allocated to each. Here, risk and return are both high, which suits a growth profile. A more “efficient” version might slightly dial down single‑stock and niche exposures while boosting broad index funds, aiming for similar expected return with a bit less bumpiness. Just remember that “efficient” doesn’t mean perfect or safest, only that it improves the risk‑per‑unit‑of‑return within the current toolkit.

Dividends Info

  • Enbridge Inc 5.70%
  • Alphabet Inc Class C 0.30%
  • iShares Global Clean Energy ETF 1.50%
  • Invesco QQQ Trust 0.50%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.21%

The total dividend yield of about 1.2% is modest, which fits a growth‑oriented approach. Yield is the income you receive yearly as a percentage of the portfolio’s value. Most of the big tech and growth holdings pay little or no dividends, preferring to reinvest profits into expansion, which historically can boost long‑term price appreciation. Enbridge and international stocks raise the income slightly, adding a small cash flow component. For someone not relying on regular income, this setup is perfectly reasonable and keeps the focus on capital growth. If future goals include spending from this portfolio, gradually increasing income‑oriented exposure could make withdrawals feel more sustainable and predictable.

Ongoing product costs Info

  • iShares Global Clean Energy ETF 0.41%
  • Invesco QQQ Trust 0.20%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.09%

Costs are impressively low, with an overall Total Expense Ratio (TER) around 0.09%. TER is like a yearly membership fee for owning funds, silently deducted from returns. This level is well below many active or high‑fee setups and aligns closely with low‑cost best practices. Over long periods, even small fee differences compound significantly, so this lean structure genuinely supports better long‑term outcomes. The only relatively higher‑cost piece is the specialized clean energy fund, which is normal for niche themes. As long as that thematic exposure is intentional, the slightly higher fee there is a trade‑off for more focused coverage rather than a sign of inefficiency.

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