A tech-focused portfolio with high exposure to US markets and notable international diversification

Report created on Aug 8, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Your portfolio is heavily weighted towards US equities, with 85% invested in Vanguard S&P 500 ETF and Invesco NASDAQ 100 ETF, reflecting a strong focus on the American market. The remaining 15% is allocated to the Vanguard Total International Stock Index Fund ETF Shares, providing some international exposure. This composition indicates a preference for established, high-market-cap companies primarily in the technology sector, given the significant weight of this sector within both the S&P 500 and NASDAQ 100 indices.

Growth Info

Historically, your portfolio has achieved a Compound Annual Growth Rate (CAGR) of 14.73%, with a maximum drawdown of -26.45%. These figures suggest robust growth potential, albeit with notable volatility. The days contributing most to returns highlight the impact of significant market movements on performance. Comparing this to benchmark indices would provide context, but the tech-heavy focus likely contributed to the strong performance, especially during tech bull markets.

Projection Info

Monte Carlo simulations, based on historical data, project a wide range of potential outcomes for your portfolio. With 994 out of 1,000 simulations showing positive returns, the analysis suggests a high likelihood of future gains. However, the wide spread between the 5th and 67th percentiles underscores the potential volatility and risk. It's crucial to remember that these projections are not guarantees but tools to assess potential risk and return profiles.

Asset classes Info

  • Stocks
    99%

Your portfolio is almost exclusively invested in stocks (99%), with a minimal cash holding. This allocation is conducive to growth but also increases exposure to market volatility. Diversifying across different asset classes, such as bonds or real estate, could provide a buffer during stock market downturns, potentially smoothing out returns over time.

Sectors Info

  • Technology
    33%
  • Financials
    13%
  • Consumer Discretionary
    11%
  • Telecommunications
    10%
  • Health Care
    9%
  • Industrials
    8%
  • Consumer Staples
    6%
  • Energy
    3%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    2%

The sector allocation shows a heavy emphasis on technology (33%), followed by financial services and consumer cyclicals. This concentration in tech and growth-oriented sectors has likely fueled the portfolio's high historical returns but also increases susceptibility to sector-specific risks. Diversifying across a broader range of sectors could reduce volatility without significantly compromising growth potential.

Regions Info

  • North America
    86%
  • Europe Developed
    6%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, the portfolio is predominantly invested in North America (86%), with limited exposure to international markets. While this concentration has benefitted from the strong performance of US equities, it also increases vulnerability to regional economic shifts. Increasing allocations to developed and emerging markets outside of North America could enhance diversification and capture growth in other regions.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    34%
  • Mid-cap
    17%
  • Small-cap
    1%

The market capitalization breakdown shows a preference for mega (48%) and big (34%) cap stocks, with a smaller allocation to medium (17%) and negligible exposure to small and micro caps. This indicates a conservative approach, favoring stability and liquidity over the higher potential growth (and risk) of smaller companies. Considering a modest increase in small or micro-cap investments could offer 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.

Using the Efficient Frontier to optimize the portfolio suggests that there may be opportunities to achieve a better risk-return ratio through allocation adjustments. However, any optimization should consider your specific risk tolerance, investment horizon, and financial goals. The current focus on growth equities, particularly in the technology sector, aligns with a higher risk tolerance but revisiting the allocation to enhance diversification could improve the portfolio's efficiency.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.34%

The portfolio's dividend yield stands at 1.34%, with the highest yield from the Vanguard Total International Stock Index Fund ETF Shares. While dividends contribute to total returns, the focus on growth equities, particularly in the tech sector, naturally limits the portfolio's overall yield. Investors seeking income in addition to growth might consider allocating a portion of the portfolio to higher-dividend-yielding assets.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

The portfolio's total expense ratio (TER) of 0.05% is impressively low, supporting better long-term performance by minimizing the drag on returns due to costs. This cost efficiency is a strength, particularly given the portfolio's growth orientation and the compounding effect of lower costs over time.

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