Growth-oriented portfolio with a strong tech focus and emphasis on North American equities

Report created on Oct 28, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Your portfolio is heavily weighted towards technology-focused ETFs and large-cap equities, particularly from the U.S. market. The significant allocations to the iShares Core S&P 500 ETF and the Invesco QQQ Trust, coupled with the Vanguard Information Technology Index Fund ETF Shares, illustrate a clear growth strategy. However, this concentration in technology and large-cap stocks also introduces sector-specific risks and potential volatility. Comparatively, your portfolio has limited exposure to smaller market cap companies and non-technology sectors, which might affect its diversification.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 16.27% and a maximum drawdown of -32.33%, your portfolio has demonstrated strong performance historically. The days contributing most to returns indicate significant gains were achieved in relatively few trading days, a characteristic of growth-focused investments. While past performance is impressive, it's essential to remember that it does not guarantee future results. Comparing these figures to benchmark indexes would help evaluate the portfolio's relative performance, especially during different market conditions.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, suggest a wide range of potential returns for your portfolio, with a median increase of 493.4%. While these projections provide insight, they inherently carry uncertainty and are based on past market behavior, which may not repeat. Diversification and regular portfolio reviews can help mitigate unexpected market shifts. It's also critical to align these projections with your financial goals and risk tolerance.

Asset classes Info

  • Stocks
    100%

Your portfolio is entirely composed of stocks, with no allocation to bonds, cash, or alternative investments. This allocation supports a high-growth strategy but also exposes you to significant market volatility. Diversifying across different asset classes can reduce risk without necessarily compromising long-term returns. Consider incorporating fixed-income securities or real assets to provide stability during market downturns.

Sectors Info

  • Technology
    43%
  • Financials
    10%
  • Consumer Discretionary
    9%
  • Health Care
    9%
  • Industrials
    9%
  • Telecommunications
    8%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Energy
    2%
  • Basic Materials
    2%
  • Real Estate
    2%

The technology sector dominates your portfolio, representing a substantial portion of the allocation. While tech stocks have historically provided high returns, they can also be more volatile, especially in response to interest rate changes or economic downturns. Expanding into other sectors, such as healthcare or consumer goods, could offer more stability and reduce sector-specific risks.

Regions Info

  • North America
    83%
  • Europe Developed
    13%
  • Japan
    2%
  • Australasia
    1%

The geographic allocation is heavily skewed towards North America, with limited exposure to international markets. This concentration enhances exposure to U.S. economic conditions and currency risks. Diversifying into developed and emerging international markets could provide additional growth opportunities and reduce the impact of regional downturns.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    31%
  • Mid-cap
    21%
  • Small-cap
    2%

Your portfolio's focus on mega and large-cap stocks aligns with a growth strategy but limits exposure to the potentially higher returns of mid and small-cap investments. These smaller companies often offer greater growth potential, albeit with increased risk. Balancing the allocation across different market caps can enhance diversification and potential for returns.

Redundant positions Info

  • iShares MSCI EAFE ETF
    iShares Core MSCI Europe ETF
    High correlation
  • iShares Core S&P 500 ETF
    iShares MSCI World ETF
    High correlation
  • Vanguard Information Technology Index Fund ETF Shares
    Invesco QQQ Trust
    High correlation

The high correlation between certain ETFs, especially those focused on the U.S. market and technology sector, suggests redundancy. This overlap limits the benefits of diversification, as these assets are likely to respond similarly to market changes. Reducing overlap by reallocating investments can enhance portfolio efficiency and reduce risk.

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.

Given the portfolio's current composition, optimization should focus on reducing overlap among highly correlated assets. This process will likely involve reallocating funds from redundant investments to underrepresented sectors, asset classes, or geographies. The goal is to achieve a more efficient risk-return profile without compromising the growth-oriented strategy.

Dividends Info

  • iShares MSCI EAFE ETF 2.70%
  • iShares Core MSCI Europe ETF 2.80%
  • iShares Core S&P 500 ETF 1.10%
  • Novo Nordisk A/S 3.20%
  • Invesco QQQ Trust 0.30%
  • iShares MSCI World ETF 1.30%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.60%
  • Weighted yield (per year) 1.05%

Your portfolio's dividend yield is relatively low, reflective of its growth orientation. While reinvesting dividends is a powerful compounding tool, the current yield contributes minimally to total returns. If income or more balanced growth is a goal, consider increasing allocations to higher-yielding assets or sectors.

Ongoing product costs Info

  • iShares MSCI EAFE ETF 0.33%
  • iShares Core MSCI Europe ETF 0.11%
  • iShares Core S&P 500 ETF 0.03%
  • Invesco QQQ Trust 0.20%
  • iShares MSCI World ETF 0.24%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.12%

The portfolio's total expense ratio (TER) is modest, which is beneficial for long-term growth as lower costs translate to higher net returns. However, it's crucial to balance cost considerations with the benefits of diversification and risk management. Periodically reviewing fund expenses in the context of overall portfolio performance and diversification goals is advisable.

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