A growth-focused portfolio with a strong tilt towards US large caps and diverse international exposure

Report created on Aug 5, 2025

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This portfolio is predominantly invested in stocks with a significant 50% allocation to U.S. large-cap growth ETFs, complemented by diversified international exposure through Avantis® International Equity and Emerging Markets Equity ETFs, each constituting 12.5%. The inclusion of U.S. Small Cap Value and Fidelity Small-Mid Factor ETFs, also at 12.5% each, introduces a balance between growth and value, aiming for broad diversification across market capitalizations and geographies. This structure supports a growth-oriented strategy while attempting to mitigate risk through international and small-cap value exposure.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 17.24% and a maximum drawdown of -35.46%, the portfolio demonstrates strong growth potential albeit with significant volatility. The days contributing to 90% of returns indicate that a small number of high-performing days drive much of the portfolio's performance. This underscores the importance of staying invested over the long term, as missing these key days could substantially impact overall returns.

Projection Info

Monte Carlo simulations, using historical data to forecast future performance, suggest a wide range of outcomes with a median increase of 455.2% in portfolio value. While 970 out of 1,000 simulations resulted in positive returns, indicating a high likelihood of growth, the substantial spread between the 5th and 67th percentiles highlights the inherent uncertainty and risk in the market.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely composed of stocks, reflecting a high-risk, high-reward profile suitable for growth-focused investors. The lack of bonds or cash holdings means the portfolio may experience higher volatility, as these asset classes typically offer stability during market downturns. For investors with a lower risk tolerance or nearing retirement, incorporating bonds or cash could provide a more balanced risk-return profile.

Sectors Info

  • Technology
    31%
  • Financials
    15%
  • Consumer Discretionary
    13%
  • Industrials
    10%
  • Telecommunications
    9%
  • Health Care
    7%
  • Basic Materials
    4%
  • Energy
    4%
  • Consumer Staples
    3%
  • Real Estate
    2%
  • Utilities
    1%

With a heavy emphasis on technology (31%) and significant investments in financial services and consumer cyclicals, the sector allocation aligns with a growth-focused strategy. However, this concentration increases susceptibility to sector-specific risks. Diversifying into underrepresented sectors like healthcare or utilities could offer additional stability during tech or finance downturns.

Regions Info

  • North America
    75%
  • Europe Developed
    7%
  • Asia Emerging
    6%
  • Asia Developed
    5%
  • Japan
    3%
  • Latin America
    1%
  • Australasia
    1%
  • Africa/Middle East
    1%

The portfolio's geographic distribution, heavily weighted towards North America (75%), provides a strong foundation in developed markets. However, the modest allocations to emerging and developed markets outside of North America, while contributing to diversification, may limit exposure to global growth opportunities. Increasing investments in underrepresented regions could enhance returns and reduce geographic concentration risk.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    18%
  • Small-cap
    15%
  • Mid-cap
    14%
  • Micro-cap
    9%

The market capitalization breakdown showcases a strategic tilt towards mega and big-cap stocks, which tend to be more stable, but with meaningful allocations to small and medium caps for growth potential. This blend supports a balanced approach to capturing market-wide opportunities while mitigating the volatility associated with smaller companies.

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 current allocation suggests a well-considered approach to balancing risk and return, aiming towards the Efficient Frontier. This indicates an optimal risk-return ratio based on historical data. However, it's important to remember that market conditions evolve, and ongoing adjustments may be necessary to maintain this balance as new information becomes available.

Dividends Info

  • Avantis® International Equity ETF 2.80%
  • Avantis® Emerging Markets Equity ETF 2.90%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Fidelity Small-Mid Factor 1.30%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Weighted yield (per year) 1.29%

The average dividend yield of 1.29% reflects the growth orientation of the portfolio, as growth stocks typically reinvest earnings rather than pay high dividends. For investors seeking income, increasing allocations to higher-yielding assets could be beneficial, though it may alter the portfolio's risk-return profile.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Avantis® Emerging Markets Equity ETF 0.33%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity Small-Mid Factor 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Weighted costs total (per year) 0.14%

With a total expense ratio (TER) of 0.14%, the portfolio benefits from low costs, enhancing long-term returns. The careful selection of low-cost ETFs demonstrates efficient cost management, a critical factor in maximizing investment growth over time.

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