Growth-oriented portfolio with a tech-heavy tilt and strong international exposure

Report created on Dec 7, 2025

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

What type of investor this portfolio is suitable for

Growth Investors

This portfolio suits an investor with a growth-oriented profile, comfortable with higher levels of risk for the potential of substantial returns. The heavy emphasis on technology and developed markets indicates a preference for established, high-growth sectors, suitable for those with a medium to long-term investment horizon. It's ideal for individuals who can withstand market volatility and are focused on capital appreciation over immediate income.

Positions

The portfolio showcases a significant emphasis on equity ETFs, with a 75% concentration in U.S. markets, specifically within the technology sector through the Vanguard S&P 500 ETF, Invesco NASDAQ 100 ETF, and VanEck Semiconductor ETF. This tech-heavy approach is balanced by international diversification through the Schwab International Equity ETF and Avantis® International Small Cap Value ETF. The asset allocation is entirely in stocks, indicating a growth-focused strategy with no hedging through bonds or cash positions. The diversification score reflects a broad exposure across sectors and geographies, though it leans heavily towards North American equities.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 19.38% and a maximum drawdown of -32.31%, the portfolio has demonstrated robust growth with significant volatility. The days contributing to 90% of returns highlight the portfolio's susceptibility to short-term fluctuations, common in tech and growth-oriented investments. These historical performance metrics, while impressive, underscore the importance of risk tolerance and the potential for wide swings in portfolio value.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with the median simulation suggesting a potential return of 1,071% over an unspecified period. This optimistic projection is tempered by the inherent uncertainty of such simulations, which rely on historical data to forecast future performance. While informative, these projections should be viewed as one of many tools in assessing potential future performance, not guarantees.

Asset classes Info

  • Stocks
    100%

The portfolio's allocation is singularly focused on stocks, eschewing bonds, cash, or other asset classes for diversification. While this aligns with a growth-oriented investment strategy, it increases exposure to market volatility. Diversification across different asset classes can mitigate risk and smooth out returns over time, suggesting a potential area for strategic adjustment depending on risk tolerance.

Sectors Info

  • Technology
    47%
  • Consumer Discretionary
    9%
  • Financials
    9%
  • Industrials
    8%
  • Telecommunications
    8%
  • Health Care
    5%
  • Consumer Staples
    4%
  • Basic Materials
    4%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    1%

A 47% allocation to technology underscores the portfolio's aggressive growth strategy but introduces sector-specific risk. The balance across consumer cyclicals, financial services, and other sectors suggests an attempt at diversification, though the heavy tech weighting may dominate portfolio performance. Sector trends, such as volatility in tech during interest rate hikes, could disproportionately affect overall returns.

Regions Info

  • North America
    74%
  • Europe Developed
    13%
  • Japan
    7%
  • Asia Developed
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%

Geographic diversification is achieved through significant exposure to North America (74%) and meaningful allocations to developed markets in Europe and Japan. The absence of emerging markets exposure could limit potential growth opportunities and diversification benefits. Including emerging markets could enhance portfolio growth prospects and reduce geographical concentration risk.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    35%
  • Mid-cap
    16%
  • Small-cap
    4%

The portfolio's emphasis on mega and big-cap stocks (78% combined) aligns with its growth and stability objectives, leveraging the potential of large, established companies. Medium, small, and micro-cap allocations add a layer of growth potential and risk. Adjusting these allocations could fine-tune the portfolio's risk-return profile.

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 allocation suggests it is positioned near the Efficient Frontier, indicating an optimized risk-return ratio based on historical data. However, this optimization is dynamic; regular reassessment can ensure the portfolio maintains this balance as market conditions change. Diversification beyond sector and geographic concentrations could further optimize performance.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.30%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab International Equity ETF 2.30%
  • VanEck Semiconductor ETF 0.30%
  • Vanguard S&P 500 ETF 1.10%
  • Weighted yield (per year) 1.19%

The portfolio’s average dividend yield of 1.19% reflects its growth orientation over income generation. While dividends contribute to total returns, the focus on low-yielding tech ETFs suggests a reinvestment strategy aimed at capital appreciation. Investors seeking income might consider increasing allocations to higher-yielding assets.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab International Equity ETF 0.06%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.16%

With a total expense ratio (TER) of 0.16%, the portfolio benefits from relatively low costs, supporting better long-term performance. The emphasis on low-cost ETFs is a prudent strategy, minimizing the drag on returns due to fees. Continuous monitoring of costs remains important, especially as the portfolio evolves.

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