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A growth-focused portfolio with a strong tilt towards technology and international diversification

Report created on Aug 1, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Your portfolio is heavily weighted towards technology with a 30% allocation in the Vanguard Information Technology Index Fund ETF Shares, reflecting a strong growth orientation. The inclusion of broad market ETFs like the Vanguard Total Stock Market Index Fund ETF Shares and the Vanguard Total International Stock Index Fund ETF Shares, alongside the iShares MSCI Emerging Markets ETF and Vanguard Small-Cap Growth Index Fund ETF Shares, indicates a comprehensive approach to diversification across market capitalizations and geographies. This structure aligns well with a growth-focused investment strategy, leveraging the potential of tech sectors while maintaining a broad exposure to mitigate sector-specific risks.

Growth Info

Historically, your portfolio has shown a Compound Annual Growth Rate (CAGR) of 14.04%, which is impressive. The maximum drawdown of -33.24% suggests periods of significant volatility, likely attributed to the high technology weighting. It's important to note that while past performance is a useful indicator, it doesn't guarantee future results. Your portfolio's performance, particularly the days contributing most to returns, highlights the impact of short-term gains, which is common in growth-oriented investments.

Projection Info

Monte Carlo simulations, which run a range of outcomes based on historical data to forecast future performance, suggest a median potential growth of 349.7% in your portfolio. While simulations provide a spectrum of possible outcomes, remember they are based on past data and cannot predict future market conditions perfectly. The high percentage of simulations with positive returns (96.8%) is encouraging but should be viewed as part of a broader investment strategy considering risk tolerance and investment horizon.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Your portfolio's asset allocation is almost entirely in stocks (99%), with a minimal cash position (1%). This allocation supports your growth objectives but also increases volatility and risk. Comparing to a balanced portfolio, which might include bonds or other fixed-income assets, your current setup is designed for higher returns at the expense of higher risk. Consider if this aligns with your risk tolerance and if having a small percentage in less volatile assets could provide a safety net during market downturns.

Sectors Info

  • Technology
    46%
  • Financials
    12%
  • Industrials
    9%
  • Consumer Discretionary
    8%
  • Health Care
    6%
  • Telecommunications
    6%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Energy
    3%
  • Real Estate
    2%
  • Utilities
    2%

The technology sector dominates your portfolio at 46%, significantly higher than typical benchmarks. While this sector has historically provided robust growth, it can also be volatile, especially during economic downturns or when facing regulatory changes. Financial Services and Industrials follow, creating a somewhat concentrated risk profile. Diversifying more evenly across sectors could reduce volatility without drastically compromising growth potential.

Regions Info

  • North America
    66%
  • Asia Emerging
    11%
  • Europe Developed
    8%
  • Asia Developed
    7%
  • Japan
    3%
  • Africa/Middle East
    2%
  • Latin America
    1%
  • Australasia
    1%

Geographically, your portfolio is heavily weighted towards North America (66%), with meaningful exposure to emerging markets in Asia (11%) and developed Europe (8%). This distribution supports diversification but leans heavily on the performance of the U.S. market. Increasing exposure to underrepresented regions like Europe Emerging or Australasia could offer additional diversification benefits and access to growth outside of the U.S.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    26%
  • Mid-cap
    16%
  • Small-cap
    11%
  • Micro-cap
    2%

Your allocation spans mega (43%), big (26%), medium (16%), small (11%), and micro (2%) cap stocks, which is a good spread for diversification purposes. The tilt towards larger companies is consistent with the growth and risk profile of your portfolio but incorporating a higher percentage of small and micro-cap stocks could enhance potential returns, 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.

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Considering the Efficient Frontier, your portfolio may benefit from optimization to achieve the best possible risk-return ratio. While your current allocation is growth-oriented, adjustments could potentially offer similar returns with reduced volatility. This process involves analyzing current holdings and possibly rebalancing to include assets with lower correlation, enhancing the portfolio's overall efficiency.

Dividends Info

  • iShares MSCI Emerging Markets ETF 2.40%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.50%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.44%

Your portfolio yields an average dividend of 1.44%, which is relatively modest due to the growth focus and heavy weighting in low-dividend sectors like technology. While dividends are not the primary goal of your investment strategy, they can provide a steady income stream and contribute to total return, especially in volatile or down markets.

Ongoing product costs Info

  • iShares MSCI Emerging Markets ETF 0.70%
  • Vanguard Small-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • 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) 0.16%

The overall portfolio cost, represented by the Total Expense Ratio (TER) of 0.16%, is impressively low, which is advantageous for long-term growth. Lower costs mean more of your investment return is retained. It's crucial to maintain this focus on cost efficiency, as even small differences in fees can significantly impact net returns over time.

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