A growth-focused portfolio with a blend of US and international stocks emphasizing momentum

Report created on Aug 2, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is constructed with a 70% allocation to US equities, split between the Vanguard Total Stock Market Index Fund ETF Shares and the Invesco S&P 500® Momentum ETF, and a 30% allocation to international stocks via the Vanguard Total International Stock Index Fund ETF Shares. This structure indicates a strong growth orientation, leveraging both broad market exposure and momentum strategies within the US, alongside diversified international exposure. The emphasis on ETFs suggests a preference for cost-efficient, passive management strategies.

Growth Info

With a historical Compound Annual Growth Rate (CAGR) of 16.33% and a maximum drawdown of -33.27%, the portfolio has demonstrated a strong performance with significant volatility. The days contributing to 90% of returns being concentrated in just 31.0 days highlight the impact of short-term, high-gain periods on overall performance. This underscores the importance of staying invested over the long term to capture such gains.

Projection Info

Monte Carlo simulations, using historical data to forecast future performance, suggest a wide range of outcomes with a median increase of 676.5%. While these projections provide a helpful guide, it's crucial to remember that they are based on past data, which is not a guarantee of future results. This method helps in understanding potential volatility and the range of outcomes one might expect.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is heavily skewed towards stocks (99%), with a minimal cash holding (1%). This high equity exposure aligns with the portfolio's growth profile but also increases its susceptibility to market volatility. Investors should consider whether this level of risk aligns with their risk tolerance and investment horizon.

Sectors Info

  • Technology
    23%
  • Financials
    18%
  • Consumer Discretionary
    12%
  • Industrials
    11%
  • Telecommunications
    10%
  • Health Care
    7%
  • Consumer Staples
    7%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    3%
  • Real Estate
    2%

Sector allocation is diversified across technology, financial services, consumer cyclicals, and industrials, among others. The heavy weighting towards technology and financial services is typical for growth-oriented portfolios but may increase volatility. Diversification across sectors can help mitigate sector-specific risks.

Regions Info

  • North America
    72%
  • Europe Developed
    12%
  • Asia Emerging
    5%
  • Japan
    5%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic allocation shows a strong bias towards North America (72%), with significant exposures to developed Europe and emerging Asian markets. This distribution provides a good balance between the stability of developed markets and the growth potential of emerging markets, contributing to the portfolio's diversification and growth potential.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    32%
  • Mid-cap
    16%
  • Small-cap
    4%
  • Micro-cap
    1%

The portfolio's market capitalization exposure leans heavily towards mega (46%) and big (32%) cap stocks, with lesser allocations to medium, small, and micro caps. This bias towards larger companies may reduce volatility but could also limit potential higher returns from smaller, more agile companies.

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, the portfolio appears to be positioned for high growth, albeit with significant risk. Optimizing for the best possible risk-return ratio may involve adjusting the asset allocation to include a wider variety of asset classes or rebalancing sector and geographic exposures to reduce volatility.

Dividends Info

  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.53%

The portfolio's average dividend yield of 1.53% contributes to its total returns, adding a modest income stream on top of capital gains. The higher yield from the international fund suggests a beneficial diversification effect, providing income in addition to growth.

Ongoing product costs Info

  • Invesco S&P 500® Momentum ETF 0.13%
  • 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) 0.07%

With a total expense ratio (TER) of 0.07%, the portfolio benefits from low costs, enhancing long-term returns. Low-cost ETFs are a prudent choice for long-term investors, as fees can significantly impact net returns over time.

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