A growth-focused portfolio with strong tech exposure and moderate global diversification

Report created on Sep 28, 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 primarily consists of ETFs, with a significant 55% allocation to the Vanguard S&P 500 ETF, reflecting a strong tilt towards US equities. The inclusion of specialized ETFs like the Vanguard Information Technology Index Fund ETF Shares and the Schwab U.S. Large-Cap Growth ETF further emphasizes a growth-oriented strategy. The diversification across geographic regions and sectors is moderate, with a notable lean towards technology and financial services. The presence of the iShares Gold Trust and Vanguard International High Dividend Yield Index Fund ETF Shares introduces commodities and international high-dividend stocks, adding layers of risk management and income generation.

Growth Info

The historical performance, showcasing a Compound Annual Growth Rate (CAGR) of 20.28%, indicates a highly successful past. However, the significant max drawdown of -32.17% signals potential high volatility and risk, which is consistent with the growth profile and tech-heavy allocation. The days contributing to 90% of returns being few in number highlight the portfolio's susceptibility to short-term market movements, emphasizing the importance of a long-term investment horizon to mitigate timing risk.

Projection Info

The Monte Carlo simulation, with a median projected increase of 1208.3% and a high percentile of positive outcomes, suggests strong future performance potential. However, it's crucial to note that simulations use historical data, which cannot guarantee future returns. The wide range of outcomes also underscores the inherent uncertainty and risk in investing, particularly in a growth-focused portfolio like this one.

Asset classes Info

  • Stocks
    95%
  • Other
    5%

The asset class distribution, with 95% in stocks and 5% in other (primarily gold), indicates a high-risk, high-reward strategy focused on capital appreciation over income. This heavy equity weighting is typical for growth portfolios but comes with increased volatility. The small allocation to gold serves as a hedge against inflation and market downturns, though its effectiveness is limited by its small proportion.

Sectors Info

  • Technology
    35%
  • Financials
    17%
  • Consumer Discretionary
    8%
  • Telecommunications
    8%
  • Industrials
    8%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    1%

The sector allocation reveals a strong emphasis on technology, which accounts for 35% of the portfolio. This concentration enhances growth potential but also increases vulnerability to sector-specific downturns. Financial services and consumer cyclicals further tilt the portfolio towards high-growth areas, while minimal allocations to defensive sectors like utilities and consumer staples suggest a lesser focus on stability.

Regions Info

  • North America
    78%
  • Europe Developed
    11%
  • Japan
    2%
  • Australasia
    2%
  • Asia Developed
    1%
  • Asia Emerging
    1%
  • Africa/Middle East
    1%

Geographic exposure is predominantly North American (78%), with modest allocations to developed European markets and minimal exposure to emerging markets and other regions. This concentration in developed markets aligns with the portfolio's growth profile but limits global diversification benefits and exposure to potentially higher-growth emerging markets.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    30%
  • Mid-cap
    14%
  • No data
    5%
  • Small-cap
    1%

The market capitalization breakdown, with a dominance of mega and big cap stocks, aligns with the portfolio's risk profile by focusing on established, large companies. However, the limited exposure to small and micro-cap stocks restricts opportunities for outsized growth from smaller companies.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Information Technology Index Fund ETF Shares
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The high correlation among the Vanguard S&P 500 ETF, Vanguard Information Technology Index Fund ETF Shares, and Schwab U.S. Large-Cap Growth ETF indicates overlapping exposures, particularly in large-cap and technology stocks. This redundancy limits the diversification benefits and suggests an opportunity to refine the portfolio composition for better risk management.

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 risk-return profile suggests room for optimization, particularly by addressing the high correlation among certain assets. Reducing overlap can maintain or even improve the expected return while potentially lowering risk. The optimal portfolio projection offers a nuanced balance between risk and return, emphasizing the importance of diversification beyond sector and asset class to include correlation considerations.

Dividends Info

  • Invesco S&P International Developed Momentum ETF 1.70%
  • Schwab U.S. Large-Cap Growth ETF 0.30%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard S&P 500 ETF 0.90%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 4.00%
  • Weighted yield (per year) 1.02%

The overall dividend yield of 1.02% reflects the portfolio's growth orientation over income generation. The Vanguard International High Dividend Yield Index Fund ETF Shares provide the highest yield, offering some income amidst the growth-focused strategy. However, dividends play a secondary role in this portfolio's overall return expectation.

Ongoing product costs Info

  • iShares Gold Trust 0.25%
  • Invesco S&P International Developed Momentum ETF 0.25%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Weighted costs total (per year) 0.09%

The total expense ratio (TER) of 0.09% is impressively low, maximizing net returns to the investor. This cost efficiency is crucial for long-term growth, as lower costs compound over time, significantly impacting overall portfolio growth.

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