Growth-focused portfolio with strong tech influence and strategic dividend positioning

Report created on Apr 30, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Your portfolio composition is heavily weighted towards ETFs, with a significant focus on the technology sector and a strategic placement in dividend-yielding assets. The inclusion of common stocks, specifically Coinbase Global Inc and United Parcel Service Inc, adds a layer of direct equity exposure which can offer both higher potential returns and volatility. This setup suggests a growth-oriented strategy with an eye towards income through dividends, balanced by the broad market exposure provided by the Vanguard Total Stock Market Index Fund ETF.

Growth Info

Historically, your portfolio has achieved a Compound Annual Growth Rate (CAGR) of 8.66%, with a maximum drawdown of -28.76%. These figures indicate a resilient performance over time, albeit with significant short-term fluctuations. The days contributing most to returns highlight the impact of short-term volatility on overall performance. Comparing this to benchmark indices would help contextualize these results, suggesting how well the portfolio has navigated market cycles relative to a broader market index.

Projection Info

Monte Carlo simulations, which use historical data to forecast potential future outcomes, project a wide range of results for your portfolio. While the median outcome suggests modest growth, the spread from the 5th to the 67th percentile underscores significant risk. It's crucial to remember that these simulations are based on past market behavior, and future markets may behave differently. This tool helps in understanding potential volatility and the importance of maintaining a long-term perspective.

Asset classes Info

  • Stocks
    100%

Your portfolio is entirely allocated to stocks, which aligns with a growth-focused investment strategy but also carries higher volatility. Diversification across asset classes, such as the inclusion of bonds or real estate investment trusts (REITs), could provide a buffer against stock market fluctuations. This approach would be particularly relevant for investors with a lower risk tolerance or those closer to needing their invested funds.

Sectors Info

  • Technology
    27%
  • Financials
    16%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Consumer Staples
    9%
  • Telecommunications
    8%
  • Energy
    5%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    1%

The sectoral allocation demonstrates a heavy tilt towards technology, which has been a high-growth area but also comes with increased volatility and risk of sector-specific downturns. Financial Services, Industrials, and Consumer Cyclicals also have significant representations, contributing to diversification. However, the portfolio might benefit from increased exposure to underrepresented sectors like Utilities and Real Estate for additional diversification and defensive positioning.

Regions Info

  • North America
    92%
  • Asia Emerging
    7%
  • Europe Developed
    1%

Geographic exposure is predominantly in North America, with a modest allocation to Asia Emerging markets. This concentration enhances exposure to the stability and growth potential of developed markets but might limit opportunities in emerging markets, which can offer higher growth potential. A more global distribution could reduce geographic risk and tap into diverse economic growth drivers.

Market capitalization Info

  • Large-cap
    46%
  • Mega-cap
    33%
  • Mid-cap
    16%
  • Small-cap
    3%
  • Micro-cap
    1%

The market capitalization breakdown shows a balanced mix of Big, Mega, and Medium cap stocks, providing a foundation of stability while still capturing growth opportunities in smaller companies. However, the relatively small allocation to Small and Micro cap stocks suggests potential room for increased exposure to these segments for investors seeking higher growth, 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.

Your portfolio's risk vs. return profile suggests there might be room for optimization towards the Efficient Frontier, where the goal is to achieve the best possible return for a given level of risk. This could involve adjusting the asset allocation to include a broader range of asset classes or rebalancing sector and geographic exposures. Such adjustments would aim to enhance diversification, reduce volatility, and potentially improve returns without significantly increasing risk.

Dividends Info

  • Xtrackers Harvest CSI 300 China A-Shares ETF 1.20%
  • Invesco NASDAQ 100 ETF 0.60%
  • Schwab U.S. Dividend Equity ETF 4.00%
  • United Parcel Service Inc 6.80%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.40%
  • Weighted yield (per year) 1.87%

Dividends contribute to the portfolio's total return, with a notable yield from Schwab U.S. Dividend Equity ETF and United Parcel Service Inc. This income can provide a steady cash flow, which is particularly valuable in volatile or declining markets. Considering the overall yield, your portfolio seems well-positioned to balance growth aspirations with income generation, a strategy that may appeal to investors seeking both capital appreciation and income.

Ongoing product costs Info

  • Xtrackers Harvest CSI 300 China A-Shares ETF 0.65%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.11%

The Total Expense Ratio (TER) of your ETF holdings varies, with the Xtrackers Harvest CSI 300 China A-Shares ETF being the most expensive. While the overall portfolio cost is relatively low, minimizing costs is crucial for enhancing long-term returns. Regularly reviewing expense ratios and considering lower-cost alternatives for similar exposure can ensure more of your investment returns are retained.

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