A growth-focused portfolio with a strong tilt towards US and technology sectors

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

Positions

This portfolio primarily consists of ETFs, with a significant allocation to the Vanguard Total World Stock Index Fund ETF Shares at 60%, indicating a broad market approach. The inclusion of specialized ETFs like the Schwab U.S. Large-Cap Growth ETF, Avantis® U.S. Small Cap Value ETF, and Vanguard Mid-Cap Index Fund ETF Shares suggests a strategic tilt towards growth, small-cap value, and mid-cap segments. This composition aligns with a growth-oriented investment strategy but may carry higher volatility due to its concentration in specific market segments.

Growth Info

Historically, this portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 15.45%, with a maximum drawdown of -35.35%. The days contributing to 90% of returns being concentrated in just 16 days highlights the portfolio's reliance on short, significant growth spurts. Comparing this performance to a relevant benchmark would provide context, but such high returns typically come with higher risk, as evidenced by the drawdown.

Projection Info

Monte Carlo simulations, which use historical data to project a range of possible future outcomes, suggest a wide range of potential performances for this portfolio. With the 50th percentile estimated growth at 564.1%, this indicates optimism but also reflects significant uncertainty, as shown by the broad spread from the 5th to the 67th percentile. It's important to note that these projections cannot guarantee future results, especially in volatile market conditions.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio is almost entirely invested in stocks (99%), with a minimal cash holding (1%). This asset class allocation underscores a high-risk, high-reward strategy typical of growth-focused investors. While this can lead to substantial returns, it also exposes the portfolio to market downturns, lacking the cushion that bonds or other asset classes might provide during volatility.

Sectors Info

  • Technology
    27%
  • Financials
    16%
  • Consumer Discretionary
    12%
  • Industrials
    11%
  • Health Care
    8%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    4%
  • Real Estate
    3%
  • Utilities
    2%

With a heavy emphasis on technology (27%) and significant investments in financial services and consumer cyclicals, the portfolio is positioned to benefit from growth in these sectors. However, this concentration increases susceptibility to sector-specific risks. Diversifying across a wider range of sectors could mitigate some of this risk, potentially smoothing out returns over time.

Regions Info

  • North America
    79%
  • Europe Developed
    9%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic allocation is heavily skewed towards North America (79%), with modest exposure to developed and emerging markets elsewhere. This concentration in the US market can offer substantial growth opportunities but also concentrates geopolitical and currency risk. Expanding into more diverse international holdings could provide a buffer against US market downturns.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    24%
  • Mid-cap
    23%
  • Small-cap
    8%
  • Micro-cap
    6%

The distribution across market capitalizations shows a balanced approach, with a focus on mega (38%) and big (24%) cap stocks, complemented by medium, small, and micro-cap exposures. This blend supports growth potential while attempting to manage risk through diversification across different company sizes.

Redundant positions Info

  • Vanguard Mid-Cap Index Fund ETF Shares
    Vanguard Total World Stock Index Fund ETF Shares
    High correlation

The high correlation observed between Vanguard Mid-Cap Index Fund ETF Shares and Vanguard Total World Stock Index Fund ETF Shares indicates overlapping holdings that may not provide the intended diversification benefits. Reducing such overlap could enhance the portfolio's risk-adjusted performance by ensuring each asset contributes to diversification.

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 asset allocation and the presence of highly correlated assets, optimization could focus on reducing overlap to improve diversification benefits. Utilizing the Efficient Frontier concept could help in achieving a more efficient risk-return balance by adjusting the allocation without necessarily increasing risk.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Mid-Cap Index Fund ETF Shares 1.50%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Weighted yield (per year) 1.42%

The portfolio's average dividend yield of 1.42% contributes to its total return, with the Avantis® U.S. Small Cap Value ETF and Vanguard Total World Stock Index Fund ETF Shares offering higher yields. While not the focus of this growth-oriented portfolio, dividends provide a passive income stream and can offer some stability in down markets.

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 Index Fund ETF Shares 0.04%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.08%

With an overall Total Expense Ratio (TER) of 0.08%, the portfolio is efficiently managed in terms of costs. Lower costs can significantly enhance long-term returns by minimizing the drag on performance. This cost structure is commendable and aligns with best practices for maximizing investor returns.

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