Balanced growth-focused portfolio with a strong emphasis on US and international equities

Report created on Aug 16, 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 is primarily invested in equities, with a 75% allocation to US equities and 25% to international equities through two Avantis® ETFs. Its structure reflects a growth-oriented strategy, leaning heavily towards stock investments without bond, cash, or other asset class diversifications. This concentration in equities, while conducive to growth, introduces a higher level of market volatility risk, which is somewhat mitigated by the geographic diversification between US and international markets.

Growth Info

Historically, this portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 15.24%, although it has experienced a significant maximum drawdown of -36.79%. This volatility is characteristic of equity-heavy portfolios, especially those with substantial allocations to growth sectors. The days contributing to 90% of returns being concentrated in just 17.0 days highlights the portfolio's susceptibility to short-term market movements, emphasizing the importance of a long-term investment horizon.

Projection Info

Using Monte Carlo simulations, which project future performance based on historical data, the portfolio has shown a wide range of outcomes. While the median simulation suggests a potential 467.6% growth, the 5th percentile at 67.1% indicates considerable downside risk. These simulations, though informative, should be approached with caution as they cannot predict future market conditions or sudden economic changes.

Asset classes Info

  • Stocks
    100%

The portfolio's exclusive investment in stocks, with no allocations to bonds, cash, or other asset classes, positions it for higher potential returns but also higher volatility. This singular focus on equities is suitable for investors with a higher risk tolerance and a longer time horizon, as it lacks the stabilizing presence of bonds or other less volatile assets that could cushion against market downturns.

Sectors Info

  • Technology
    20%
  • Financials
    19%
  • Industrials
    13%
  • Consumer Discretionary
    13%
  • Telecommunications
    9%
  • Health Care
    7%
  • Energy
    6%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Utilities
    3%
  • Real Estate
    1%

Sector-wise, the portfolio is well-diversified across technology, financial services, industrials, and consumer cyclicals, among others. This sectoral spread is beneficial for mitigating risks associated with overexposure to any single sector. However, the heavy weighting towards technology and financial services sectors could lead to increased volatility, reflecting broader market trends and economic cycles.

Regions Info

  • North America
    76%
  • Europe Developed
    14%
  • Japan
    6%
  • Australasia
    2%
  • Asia Developed
    1%

Geographically, the portfolio is predominantly invested in North America (76%), with smaller exposures to developed markets in Europe and Japan. This distribution supports diversification, but the minimal exposure to emerging markets and other regions may limit potential growth opportunities in high-growth areas outside of the developed world.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    27%
  • Mid-cap
    25%
  • Small-cap
    9%
  • Micro-cap
    3%

The market capitalization breakdown shows a balanced exposure across mega, big, and medium-sized companies, with a modest allocation towards small and micro-cap stocks. This blend suggests a moderate approach to risk, as larger companies typically offer stability, while smaller companies present higher growth potential albeit with increased 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.

Considering the Efficient Frontier, this portfolio appears to be positioned for growth but may not be fully optimized for the best risk-return ratio. Adjusting the asset allocation, possibly by introducing other asset classes or rebalancing sector and geographic exposures, could potentially enhance returns for the same level of risk, or reduce risk for the same level of expected returns.

Dividends Info

  • Avantis® International Equity ETF 2.70%
  • Avantis® U.S. Equity ETF 1.20%
  • Weighted yield (per year) 1.58%

The portfolio's dividend yield stands at 1.58%, combining a higher yield from the international ETF with a lower yield from the US ETF. While not the primary focus, these dividends can provide a steady income stream and help offset some volatility, contributing to the portfolio's total return.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Avantis® U.S. Equity ETF 0.15%
  • Weighted costs total (per year) 0.17%

With a total expense ratio (TER) of 0.17%, the portfolio benefits from relatively low costs, which is commendable. Lower costs mean more of the investment's return is retained by the investor, enhancing long-term growth potential. This efficiency is especially important in a growth-focused portfolio, where maximizing compounding returns is key.

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