A growth-focused portfolio with strong US equity presence and emphasis on technology

Report created on Jul 9, 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 tilt towards US equities, with a significant emphasis on technology and large-cap stocks. The allocation across five ETFs focused on various segments of the US market and a minor exposure to international stocks suggests a strategy aiming for growth, albeit with a moderate diversification level. The concentration in sectors like technology, financial services, and consumer cyclicals aligns with a growth-oriented investment approach but introduces sector-specific risks.

Growth Info

Historical performance showcases a robust Compound Annual Growth Rate (CAGR) of 18.03%, with a notable maximum drawdown of -34.05%. Such performance, while impressive, underscores the portfolio's susceptibility to market volatility, especially within its heavily weighted sectors. The days contributing to 90% of returns highlight the portfolio's reliance on sharp market movements, emphasizing the importance of timing and market conditions in achieving these returns.

Projection Info

Monte Carlo simulations, projecting a wide range of outcomes based on historical data, indicate a median increase of 792.5% in portfolio value, with a significant majority of simulations yielding positive returns. While encouraging, it's crucial to remember that these projections are inherently uncertain and rely on past market behavior, which may not predict future performance accurately.

Asset classes Info

  • Stocks
    100%
  • Cash
    1%

The portfolio's asset class composition is almost entirely in stocks, with a minimal cash reserve. This allocation supports the portfolio’s growth ambitions but also increases its risk profile. Diversification across different asset classes could provide a buffer against stock market downturns, potentially stabilizing returns over time.

Sectors Info

  • Technology
    37%
  • Financials
    11%
  • Consumer Discretionary
    10%
  • Industrials
    9%
  • Health Care
    9%
  • Consumer Staples
    7%
  • Telecommunications
    7%
  • Energy
    6%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    1%

The sector allocation reveals a heavy leaning towards technology, which could drive high returns but also increases vulnerability to sector-specific downturns. The presence in financial services, consumer cyclicals, and industrials offers some balance; however, the underrepresentation of traditionally defensive sectors like healthcare and consumer defensive could limit the portfolio's resilience in bear markets.

Regions Info

  • North America
    92%
  • Europe Developed
    3%
  • Asia Developed
    2%
  • Asia Emerging
    1%
  • Japan
    1%

Geographic exposure is predominantly North American (92%), with minimal allocation to developed Europe, Asia, and emerging markets. This concentration enhances exposure to the US economy's growth potential but limits global diversification benefits, potentially increasing the portfolio's sensitivity to regional economic cycles and geopolitical events.

Market capitalization Info

  • Large-cap
    32%
  • Mega-cap
    31%
  • Mid-cap
    19%
  • Small-cap
    14%
  • Micro-cap
    4%

The market capitalization breakdown shows a balanced mix between big, mega, and medium-sized companies, with a smaller allocation towards small and micro-caps. This mix supports growth while offering some level of stability through large-cap exposure. However, the limited presence of small and micro-caps could mean missing out on higher growth potentials these segments might offer.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    SPDR® Portfolio S&P 500 ETF
    High correlation

The high correlation observed between the Schwab U.S. Large-Cap Growth ETF and the SPDR® Portfolio S&P 500 ETF suggests redundancy, which could limit diversification benefits. By holding highly correlated assets, the portfolio may not be fully capitalizing on the risk-reducing advantages of diversification, potentially leading to unnecessary exposure during market 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.

Click on the colored dots to explore allocations.

The portfolio's risk-return profile could be optimized by addressing the overlap in highly correlated assets. This strategy would not only refine the portfolio's diversification but also enhance its efficiency on the Efficient Frontier, potentially achieving a more favorable balance between risk and return without necessarily sacrificing growth prospects.

Dividends Info

  • Fidelity Small-Mid Factor 1.30%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.40%
  • SPDR® Portfolio S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.54%

The overall dividend yield of 1.54% contributes to the portfolio's total return, balancing the growth-focused strategy with a stream of income. While not the primary focus, dividends offer a cushion during market volatility and a source of reinvestment to compound growth. However, the varying yields across holdings reflect the portfolio's diverse approach to growth and income.

Ongoing product costs Info

  • Fidelity Small-Mid Factor 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.11%

With a total expense ratio (TER) of 0.11%, the portfolio benefits from relatively low costs, supporting higher net returns over time. Low-cost ETFs are a prudent choice for long-term growth strategies, as they minimize the drag on performance that higher fees can cause, allowing investors to retain a larger share of their returns.

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