A growth-focused portfolio with strong tech exposure and strategic international diversification

Report created on Aug 4, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

This portfolio exhibits a strategic blend of equity and fixed income assets, with a dominant allocation towards stocks (89%) and a moderate placement in bonds (10%). The equity portion is well-diversified across major ETFs, including broad market indices like the Vanguard S&P 500 ETF and specialized funds such as the Invesco QQQ Trust, which has a tech-heavy focus. The inclusion of the Vanguard Total International Stock Index Fund ETF Shares and the Vanguard FTSE Emerging Markets Index Fund ETF Shares enhances global exposure, while the Strategic Advisers Fidelity Core Income Fund provides a stable fixed income component.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 12.29% and a maximum drawdown of -30.88%, the portfolio demonstrates robust growth potential balanced with significant volatility. The days contributing to 90% of returns being concentrated in just 18.0 days highlight the portfolio's susceptibility to short-term market movements, underscoring the importance of a long-term investment horizon to navigate through volatile periods effectively.

Projection Info

Monte Carlo simulations, which project future performance based on historical data, suggest a wide range of outcomes for this portfolio. With 961 out of 1,000 simulations yielding positive returns, the median projected growth is substantial. However, it's crucial to remember that these projections are not guarantees but rather scenarios to help in understanding potential volatility and risk. The simulations reinforce the portfolio's growth orientation but also highlight the need for risk tolerance.

Asset classes Info

  • Stocks
    89%
  • Bonds
    10%
  • Cash
    2%

The portfolio's asset class distribution, with a heavy tilt towards stocks, aligns with its growth profile. This composition is suitable for capital appreciation over time but comes with higher volatility compared to more conservative allocations. The 10% bond allocation and 2% in cash provide a cushion against market downturns, though investors might consider if the current bond allocation adequately balances the equity risk.

Sectors Info

  • Technology
    25%
  • Financials
    14%
  • Real Estate
    12%
  • Consumer Discretionary
    10%
  • Industrials
    10%
  • Telecommunications
    8%
  • Health Care
    8%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%

Sector allocation reveals a significant emphasis on technology, which constitutes a quarter of the portfolio. This tech-heavy focus is complemented by diversified investments across financial services, real estate, and consumer cyclicals. While the tech sector can offer substantial growth, it also introduces higher volatility and sector-specific risks, such as regulatory changes and competitive pressures.

Regions Info

  • North America
    71%
  • Europe Developed
    9%
  • Asia Emerging
    8%
  • Asia Developed
    4%
  • Japan
    4%
  • Africa/Middle East
    2%
  • Latin America
    1%
  • Australasia
    1%

Geographic diversification is a strength of this portfolio, with 71% allocated to North America and meaningful exposures to developed Europe, emerging Asia, and other regions. This global spread helps mitigate risks associated with any single market and leverages growth opportunities worldwide. However, investors should regularly review their international exposure to ensure it aligns with their risk tolerance and investment goals.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    26%
  • Mid-cap
    17%
  • Small-cap
    8%
  • Micro-cap
    3%

The market capitalization breakdown shows a balanced exposure across mega, big, and medium-sized companies, which can provide a mix of stability and growth. Smaller allocations to small and micro-cap stocks introduce higher growth potential but also increased risk. This distribution supports the portfolio's growth objectives while offering a degree of resilience through 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.

Considering the Efficient Frontier, this portfolio appears well-positioned for growth-oriented investors seeking a balanced risk-return profile. However, continuous optimization may further enhance its efficiency. Adjustments to asset allocation, based on changing market conditions and personal financial goals, can help maintain an optimal risk-return balance. It's important to remember that "efficiency" in this context means achieving the best possible returns for the accepted level of risk.

Dividends Info

  • STRATEGIC ADVISERS FIDELITY CORE INCOME FUND 3.60%
  • Invesco QQQ Trust 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.80%
  • Vanguard Extended Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.90%

The portfolio's average dividend yield of 1.90% contributes to its total return, offering a balance between growth and income. While the yield is not the primary focus, it provides a steady income stream, which can be particularly valuable during volatile market periods. Investors might consider their income needs and whether the current yield aligns with their objectives.

Ongoing product costs Info

  • STRATEGIC ADVISERS FIDELITY CORE INCOME FUND 0.17%
  • Invesco QQQ Trust 0.20%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Vanguard Extended Market Index Fund ETF Shares 0.06%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.08%

The portfolio's total expense ratio (TER) of 0.08% is impressively low, enhancing long-term return potential by minimizing costs. The varied TERs across funds, from 0.03% for the Vanguard S&P 500 ETF to 0.20% for the Invesco QQQ Trust, reflect a cost-effective approach to diversification. Keeping costs low is crucial for maximizing investment returns over time.

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