This portfolio has only about 4 months 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.
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A growth-oriented portfolio with a strategic blend of global and US equities and a focus on technology

Report created on Jun 11, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification
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Positions

This portfolio showcases a strategic mix, heavily weighted towards equity ETFs with a significant allocation in both US and international markets. The Vanguard FTSE All-World ex-US Index Fund ETF and the Vanguard S&P 500 ETF together make up over 70% of the portfolio, indicating a strong focus on stock markets with a blend of US and global exposure. The inclusion of specific sector ETFs, like the Vanguard Information Technology Index Fund ETF, alongside a dividend-focused ETF and short-term treasury ETFs, demonstrates a diversified approach within the equity domain. However, the portfolio's diversification within asset classes is limited, primarily concentrated in stocks.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 15.06% and a maximum drawdown of -14.38%, the portfolio has historically performed well, showcasing robust growth with a relatively moderate level of risk. The days contributing to 90% of returns being concentrated in a single day highlights the impact of significant market movements on performance. While past performance is promising, it's crucial to remember that it doesn't guarantee future results. Comparing these figures against benchmarks would provide further insight into the portfolio's relative performance.

Projection Info

Monte Carlo simulations, which project future outcomes using historical data, suggest a wide range of potential returns for this portfolio. With key percentiles indicating a possible decline of up to -51.4% in the worst-case scenario and gains of up to 250.7% in more optimistic cases, the projections underscore the inherent uncertainties in the market. However, the majority of simulations (806 out of 1,000) resulted in positive returns, reinforcing the growth potential of this investment strategy, albeit with notable risk.

Asset classes Info

  • Stocks
    90%
  • Cash
    1%

The portfolio's asset allocation is heavily skewed towards stocks, constituting 90% of the total, with a minimal cash holding. This allocation aligns with its growth profile but comes with higher volatility and risk compared to more diversified portfolios that include bonds or other asset classes. For investors seeking growth, this concentration in equities is common, yet it's important to balance risk and return by considering broader diversification across asset classes.

Sectors Info

  • Technology
    26%
  • Financials
    15%
  • Industrials
    9%
  • Consumer Discretionary
    8%
  • Health Care
    8%
  • Consumer Staples
    7%
  • Telecommunications
    6%
  • Energy
    5%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector allocation within the portfolio reveals a significant tilt towards technology, financial services, and industrials, which are sectors known for their growth potential but also for their susceptibility to market fluctuations. The technology sector, in particular, can be volatile, reacting swiftly to changes in interest rates, regulatory adjustments, or shifts in consumer behavior. While this sectoral focus may enhance returns during bull markets, it could also increase the portfolio's risk during downturns.

Regions Info

  • North America
    55%
  • Europe Developed
    16%
  • Asia Emerging
    6%
  • Japan
    6%
  • Asia Developed
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic distribution shows a balanced exposure between North America and international markets, with a notable emphasis on developed regions. This global diversification can help mitigate risks associated with regional economic downturns and capitalize on growth opportunities worldwide. However, the limited exposure to emerging markets may mean missing out on potential high-growth opportunities in those regions, which could offer beneficial diversification effects and enhance returns over the long term.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    32%
  • Mid-cap
    15%
  • Small-cap
    2%

The portfolio's market capitalization breakdown indicates a strong preference for mega and big-cap stocks, which are typically less volatile than their smaller counterparts and offer steady growth prospects. While this focus supports the portfolio's growth orientation and risk profile, incorporating a broader mix of medium, small, and even micro-cap stocks could introduce higher growth potential and further diversification benefits.

Redundant positions Info

  • Vanguard Information Technology Index Fund ETF Shares
    Vanguard S&P 500 ETF
    High correlation

The high correlation observed between the Vanguard Information Technology Index Fund ETF Shares and the Vanguard S&P 500 ETF highlights a redundancy that may limit the portfolio's diversification benefits. Since the S&P 500 includes a significant technology sector weighting, the additional technology-focused ETF may not provide the diversification advantage expected, potentially increasing the portfolio's risk during tech sector downturns.

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.

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The portfolio's current setup suggests an opportunity for optimization towards an even more efficient risk-return profile. By addressing the overlap in highly correlated assets, the portfolio could achieve a more diversified stance without necessarily increasing risk. The potential for an optimized portfolio to achieve a higher expected return with a controlled risk level underscores the importance of continuous review and adjustment in response to changing market conditions and investment objectives.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.90%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 2.80%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard S&P 500 ETF 1.30%
  • Vanguard 0-3 Month Treasury Bill ETF 0.90%
  • Weighted yield (per year) 2.00%

Dividend yields across the ETFs vary, contributing to the portfolio's overall yield of 2.00%. The Schwab U.S. Dividend Equity ETF, with the highest yield, offers a steady income stream, complementing the growth strategy with income generation. However, the focus on growth-oriented ETFs means overall yield is moderate, reflecting the portfolio's primary aim of capital appreciation over income.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 0.07%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.05%

The portfolio benefits from low overall costs, with a Total Expense Ratio (TER) of 0.05%, which is impressively low and supports better long-term performance by minimizing the drag on returns. Keeping costs low is crucial in maximizing investment returns, especially in growth-oriented portfolios where the compound effect of costs can significantly impact long-term growth.

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