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A growth-oriented portfolio with a strong focus on diversified equities and low costs

Report created on Jul 21, 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 is structured around a core of diversified equity ETFs, with a significant emphasis on the US market but also substantial international exposure. The allocation spans across various market capitalizations and sectors, aiming to capture growth across the global economy. The inclusion of small-cap and mid-cap value ETFs alongside large-cap growth and total market funds suggests a strategy that balances growth potential with value investing principles.

Growth Info

Historically, this portfolio has demonstrated strong performance with a Compound Annual Growth Rate (CAGR) of 14.44%. While past performance is not indicative of future results, this growth rate is impressive and suggests that the portfolio's strategy has been effective in capturing upside market movements. The maximum drawdown of -36.14% indicates a period of significant volatility, which is not uncommon for growth-oriented portfolios with high equity exposure.

Projection Info

Using Monte Carlo simulations to project future performance, the analysis shows a wide range of potential outcomes, with a median increase of 508.5%. This suggests that while there is a high potential for growth, there is also substantial risk involved. It's important to remember that these projections are based on historical data and assumptions, which may not accurately predict future market conditions.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio is almost entirely composed of stocks (99%), with a minimal cash holding (1%). This asset allocation aligns with its growth profile but comes with higher volatility and risk. Diversification across asset classes could be improved by incorporating fixed income or alternative investments to reduce overall portfolio volatility.

Sectors Info

  • Technology
    23%
  • Financials
    18%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Health Care
    8%
  • Telecommunications
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    3%

Sector allocation shows a heavy emphasis on technology and financial services, which are sectors known for their growth potential but also for their volatility. The balance across industrials, consumer cyclicals, and healthcare suggests an attempt to mitigate sector-specific risks, though the concentration in high-growth sectors may expose the portfolio to market downturns in these areas.

Regions Info

  • North America
    72%
  • Europe Developed
    12%
  • Asia Emerging
    5%
  • Japan
    5%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic exposure is predominantly in North America (72%), with diversified but lesser allocations in developed Europe and emerging Asian markets. This geographic distribution supports growth while providing some level of international diversification. However, the portfolio may benefit from increased exposure to emerging markets and other developed regions to enhance global diversification and capture growth outside of the US.

Market capitalization Info

  • Mega-cap
    36%
  • Large-cap
    24%
  • Mid-cap
    24%
  • Small-cap
    8%
  • Micro-cap
    6%

The allocation across market capitalizations shows a balanced approach, with investments in mega, big, medium, small, and micro-cap stocks. This diversification can help mitigate risks associated with different market cap segments, as smaller companies may offer higher growth potential but come with increased volatility and risk.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The high correlation between the Vanguard Total Stock Market Index Fund ETF Shares and the Schwab U.S. Large-Cap Growth ETF indicates overlapping investments that may not provide the intended diversification benefits. Reducing exposure to highly correlated assets could enhance the portfolio's risk-adjusted returns by lowering overall portfolio volatility.

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 appears well-positioned on the growth side of the Efficient Frontier, indicating a strong risk-return profile given its current allocation. However, optimizing for the Efficient Frontier could involve adjusting asset correlations and diversifying further across asset classes and geographies to achieve the most efficient risk-return trade-off.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Mid-Cap Value Index Fund ETF Shares 2.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.75%

The portfolio's dividend yield of 1.75% contributes to its total return, providing a source of income in addition to capital appreciation. While the focus is clearly on growth, dividends can offer a buffer during market downturns and contribute to compounding returns over time.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Mid-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

With an overall expense ratio of 0.06%, the portfolio is cost-efficient, which is crucial for long-term growth. Lower costs mean more of the portfolio's returns are retained by the investor, enhancing compounding effects over time.

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