This portfolio has only about 1.1 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

Growth-focused portfolio with strong US equity presence and niche exposure to cryptocurrencies and gold

Report created on Aug 15, 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 heavily weighted towards US equities, comprising 67% of the total, with a significant emphasis on large-cap and growth-oriented ETFs. The presence of both the Vanguard S&P 500 ETF and specialized ETFs like the Invesco S&P 500® Momentum suggests a strategy focused on capitalizing on the US market's growth potential. The inclusion of Avantis® ETFs adds a layer of diversification by tapping into international, small-cap, and value segments. However, the allocation to alternative investments like cryptocurrencies and gold, although minimal, introduces a speculative element that diversifies the portfolio and potentially hedges against inflation.

Growth Info

The portfolio has exhibited a strong Compound Annual Growth Rate (CAGR) of 21.93%, outperforming many traditional benchmarks. This high return rate is indicative of the portfolio's aggressive growth orientation and the strong performance of the US equity market in recent years. However, the Max Drawdown of -18.51% highlights the portfolio's vulnerability to market volatility, especially given its heavy concentration in growth stocks. The days contributing to 90% of returns being so few suggest significant returns are driven by short, sharp market movements, emphasizing the need for investors to remain invested through market cycles.

Projection Info

Using Monte Carlo simulation, which forecasts future performance by analyzing historical data and random variables, the portfolio shows a wide range of outcomes with a median increase of 3,207.3%. While simulations indicate a strong likelihood of positive returns (997 out of 1,000 simulations), investors should be cautious. These projections are inherently uncertain and depend on past market behavior, which may not predict future movements accurately. The high annualized return projection of 35.52% further underscores the portfolio's aggressive growth stance but should be viewed with caution due to the speculative nature of some assets.

Asset classes Info

  • Stocks
    95%
  • Other
    5%

The asset class distribution, with 95% in stocks and 5% in "other" (including cryptocurrencies and gold), reflects a high-risk, high-reward strategy. This heavy stock allocation is typical for growth-oriented portfolios, aiming for capital appreciation over income. The small but significant allocation to alternative assets like cryptocurrencies and gold diversifies the portfolio and may offer a hedge against inflation or currency devaluation. However, the absence of bonds and cash equivalents reduces the portfolio's ability to buffer against market downturns and may increase volatility.

Sectors Info

  • Technology
    25%
  • Financials
    16%
  • Consumer Discretionary
    12%
  • Industrials
    10%
  • Telecommunications
    9%
  • Health Care
    6%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

Sector allocation is broadly diversified, with a notable tilt towards technology and financial services, which constitute 41% of the portfolio. This sectoral concentration aligns with the portfolio's growth focus, as these sectors often outperform in bullish market conditions. However, the heavy weighting towards technology also increases susceptibility to sector-specific risks, such as regulatory changes or rapid shifts in consumer preferences. Diversifying into underrepresented sectors could mitigate this risk and stabilize returns across different market cycles.

Regions Info

  • North America
    79%
  • Europe Developed
    9%
  • Japan
    5%
  • Australasia
    1%
  • Asia Developed
    1%

The geographic distribution shows a strong bias towards North America (79%), reflecting a home country bias that is common among US investors. While this concentration has historically offered robust returns, it exposes the portfolio to regional economic and political risks. Expanding the allocation to developed European and Asian markets, as well as emerging markets, could enhance global diversification, potentially reducing volatility and improving long-term performance.

Market capitalization Info

  • Mega-cap
    39%
  • Large-cap
    24%
  • Mid-cap
    16%
  • Small-cap
    9%
  • Micro-cap
    6%

The market capitalization exposure, with a dominant focus on mega (39%) and big (24%) cap stocks, underscores the portfolio's preference for established, large-scale companies. While these companies often provide stability and consistent returns, the relatively lower allocation to small (9%) and micro (6%) caps limits the portfolio's exposure to high-growth potential stocks. Increasing the small and micro-cap allocation could introduce more growth opportunities, albeit with higher risk.

Redundant positions Info

  • Avantis® International Small Cap Value ETF
    Avantis® International Equity ETF
    High correlation
  • Vanguard S&P 500 ETF
    Schwab U.S. Large-Cap Growth ETF
    Invesco S&P 500® Momentum ETF
    High correlation

The portfolio exhibits high correlation within its largest allocations, particularly among the US equity ETFs. This redundancy reduces the effective diversification, as these assets are likely to respond similarly to market changes. Diversifying into less correlated assets or sectors could enhance the portfolio's resilience against market volatility, ensuring that not all investments are affected equally by any single economic event.

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.

The portfolio's current configuration, while strong in growth potential, could be optimized for efficiency by reducing overlap among highly correlated assets. This adjustment would not only maintain the desired risk level but could also improve the expected return to 36.52%. Such optimization emphasizes the importance of diversification not just across, but within asset classes and sectors. By reallocating assets to reduce redundancy, the portfolio can achieve a more favorable risk-return profile.

Dividends Info

  • Avantis® International Equity ETF 2.70%
  • Avantis® International Small Cap Value ETF 3.70%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.25%

The portfolio's overall dividend yield of 1.25% is relatively low, consistent with its growth focus, where reinvestment and capital appreciation are prioritized over income. While the Avantis® International Small Cap Value ETF offers the highest yield, the portfolio's growth assets, like the Schwab U.S. Large-Cap Growth ETF, contribute minimally to income. Investors seeking income in addition to growth might consider increasing allocations to higher-yielding assets or sectors.

Ongoing product costs Info

  • Avantis® International Equity ETF 0.23%
  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • SPDR Gold Mini Shares 0.10%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • iShares Ethereum Trust ETF 0.25%
  • Weighted costs total (per year) 0.12%

The Total Expense Ratio (TER) of 0.12% is impressively low, maximizing the potential for net returns. This efficiency is crucial for long-term growth, as even small differences in costs can significantly impact compounded returns over time. The portfolio benefits from the low-cost structure of its underlying ETFs, particularly the Vanguard S&P 500 ETF and Schwab U.S. Large-Cap Growth ETF, which are among the most cost-effective options in their categories.

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