A growth-focused portfolio with a heavy tilt towards technology and US equities

Report created on Jul 28, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is heavily weighted towards ETFs, with a significant emphasis on the US stock market. The Vanguard Total Stock Market Index Fund ETF Shares form the bulk of the portfolio at 60%, followed by the Invesco QQQ Trust and Schwab U.S. Dividend Equity ETF, each contributing 20%. This composition indicates a strong preference for growth-oriented investments, with a notable tilt towards technology and large-cap stocks.

Growth Info

The portfolio's historical performance, with a Compound Annual Growth Rate (CAGR) of 14.82%, is impressive, especially when considering the maximum drawdown of -32.86%. This performance suggests that the portfolio has managed to capture significant upside during bullish market conditions, although the drawdown indicates potential vulnerability in market corrections or downturns. The days contributing to 90% of returns highlight the impact of short-term gains, underscoring the importance of being invested during the market's best-performing days.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with the 50th percentile suggesting a potential 629.3% increase in value. However, it's crucial to remember that such projections, based on historical data, cannot guarantee future performance. They do, however, offer a useful perspective on the possible volatility and returns, emphasizing the portfolio's growth potential amidst higher risk.

Asset classes Info

  • Stocks
    100%

The portfolio's allocation is exclusively in stocks, with no diversification into other asset classes like bonds or real estate. This concentration enhances the portfolio's growth prospects but also increases its risk, especially in volatile or bear markets. Diversifying across different asset classes could provide a buffer against market fluctuations.

Sectors Info

  • Technology
    31%
  • Consumer Discretionary
    11%
  • Financials
    10%
  • Health Care
    10%
  • Telecommunications
    10%
  • Industrials
    8%
  • Consumer Staples
    8%
  • Energy
    6%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

The sectoral allocation reveals a significant emphasis on technology, which accounts for 31% of the portfolio. This concentration in tech, alongside other sectors like consumer cyclicals and healthcare, positions the portfolio for growth but also exposes it to sector-specific risks. Diversifying across a broader range of sectors could mitigate these risks.

Regions Info

  • North America
    99%
  • Europe Developed
    1%

With 99% of assets allocated to North America, the portfolio has minimal exposure to international markets. This geographic concentration in developed markets, particularly the US, has historically offered strong growth opportunities but also limits the potential benefits of global diversification, such as reduced volatility and exposure to emerging market growth.

Market capitalization Info

  • Large-cap
    37%
  • Mega-cap
    36%
  • Mid-cap
    21%
  • Small-cap
    5%
  • Micro-cap
    2%

The market capitalization breakdown shows a balanced exposure between big (37%) and mega (36%) cap stocks, with a smaller allocation to medium, small, and micro caps. This distribution suggests a focus on stability and growth potential offered by larger companies, though incorporating more small and micro-cap stocks could enhance diversification and potential returns.

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, while growth-focused, could benefit from optimization towards the Efficient Frontier. This would entail adjusting asset allocations to achieve the best possible risk-return balance. Considering the portfolio's heavy tilt towards technology and large-cap stocks, diversifying into other sectors, asset classes, and geographies could enhance risk-adjusted returns without significantly sacrificing growth potential.

Dividends Info

  • Invesco QQQ Trust 0.40%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 1.56%

The dividend yield of the portfolio, at an average of 1.56%, contributes to its total returns, with the Schwab U.S. Dividend Equity ETF offering a notably higher yield. While dividends provide a steady income stream, the portfolio's growth orientation suggests that capital appreciation is the primary goal. Balancing between high-growth and high-dividend assets could offer a more comprehensive return profile.

Ongoing product costs Info

  • Invesco QQQ Trust 0.20%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.07%

The portfolio's overall expense ratio is relatively low at 0.07%, which is beneficial for long-term growth as it minimizes the drag on performance. Lower costs are crucial for maximizing returns, especially in growth-oriented portfolios where compounding plays a significant role.

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