A growth oriented portfolio with strong tech momentum and solid but improvable diversification

Report created on Dec 22, 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 tilted toward growth, with three ETFs making up 100% of the mix and a clear core plus satellite structure. One broadly diversified fund acts as the core, while a semiconductor fund and an international momentum fund create focused growth satellites. Compared with a typical broad market benchmark, this setup uses more concentrated building blocks and has a higher tilt toward specific themes. That’s powerful for return potential but raises risk of bigger swings. Keeping the core position sizeable, regularly checking that no single fund drifts far above your comfort level, and holding a healthy cash buffer for emergencies can help keep this structure aligned with a long-term growth mindset.

Growth Info

Historically, the portfolio has delivered a very strong compound annual growth rate (CAGR) of 21.76%. CAGR is like your average speed on a long road trip, smoothing out all the bumps along the way into one yearly growth number. Against typical equity benchmarks, this kind of return indicates a successful tilt toward growth and momentum themes. However, that performance came with a maximum drawdown of about -27%, meaning the portfolio at one point fell that much from a peak. Past returns are encouraging, but they’re not a guarantee; making sure you are emotionally and financially comfortable with similar future drawdowns is key before adding more risk.

Projection Info

The Monte Carlo analysis, which runs many “what if” simulations based on historical patterns, suggests a wide range of possible future outcomes. Monte Carlo is like playing out 1,000 alternate market histories to see how often things go well or badly. Here, most simulations show positive outcomes, with an average annualized result even higher than the historical CAGR. That’s a good sign, but it’s based on the assumption that the future looks somewhat like the past. Real markets can change. Using these projections as a rough planning tool rather than a promise, and revisiting them occasionally as conditions evolve, can keep expectations realistic while still aiming for strong long-term growth.

Asset classes Info

  • Stocks
    92%
  • Cash
    7%
  • Other
    1%

The portfolio is dominated by stocks at 92%, with small allocations to cash and other assets. This stock-heavy stance is consistent with a growth profile and long investment horizon, because equities historically provide higher returns but also greater volatility. Compared with a more conservative benchmark that might include more bonds or alternative assets, this mix will likely swing more in both directions. The modest cash slice can offer some stability and a bit of flexibility to buy during dips, but it won’t fully cushion equity downturns. Keeping this high-equity stance aligned with your time horizon and financial needs is important before adding or reducing risk.

Sectors Info

  • Technology
    44%
  • Financials
    14%
  • Industrials
    13%
  • Health Care
    6%
  • Utilities
    6%
  • Telecommunications
    5%
  • Consumer Discretionary
    5%
  • Consumer Staples
    4%
  • Basic Materials
    2%

Sector exposure is notably tilted toward technology at 44%, with decent representation in financials and industrials, and smaller weights in areas like healthcare and utilities. This tech-heavy profile aligns well with a growth-oriented mindset and has been rewarded in recent years as technology and semiconductors outperformed. However, tech-focused portfolios can be more sensitive when interest rates rise or when sentiment turns against higher-growth names. The presence of defensive sectors like utilities and consumer staples is a positive, adding some balance. Periodically checking whether the tech share has grown beyond your comfort zone, and ensuring you have some exposure to steadier sectors, can help smooth the ride.

Regions Info

  • North America
    79%
  • Europe Developed
    14%
  • Asia Developed
    5%
  • Japan
    1%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, the portfolio leans strongly toward North America at 79%, with smaller stakes in developed Europe and Asia. This home bias aligns with many common benchmarks, especially for US-based investors, and it has worked well in a decade where US markets have led. That said, over-reliance on one region can increase vulnerability if local economic or policy conditions turn negative. The inclusion of international developed momentum exposure is a clear plus, widening the opportunity set. Gradually nudging the non-US allocation higher over time, if desired, can further diversify currency, regulatory, and economic risks while still keeping the US as a core anchor.

Market capitalization Info

  • Large-cap
    41%
  • Mega-cap
    32%
  • Mid-cap
    13%
  • Small-cap
    3%
  • Micro-cap
    2%

The portfolio is well spread across company sizes, with a strong tilt to mega and large caps, and smaller but meaningful exposure to mid, small, and micro caps. Large and mega caps tend to be more stable and widely followed, which can moderate risk. Mid and small caps, while more volatile, often offer higher growth potential over long periods. Compared with many broad benchmarks, this mix is quite aligned and suggests healthy diversification by size. This balance supports both resilience and upside. Keeping an eye on whether mid or small caps drift too low (or high) can help maintain a good blend of stability and growth potential.

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.

From a risk versus return perspective, the portfolio appears positioned above-average on the Efficient Frontier for growth investors. The Efficient Frontier is a concept that maps the best possible risk-return trade-offs using only your current building blocks and different weightings among them. Here, emphasizing the diversified core while keeping the focused growth ETFs at sizes that match your risk comfort could move the mix closer to maximum “efficiency” for the given ingredients. Efficiency doesn’t mean the lowest volatility or the highest return at all costs; it means getting the most expected return for each unit of risk you’re willing to accept, based solely on reallocating among these existing funds.

Dividends Info

  • Invesco S&P International Developed Momentum ETF 1.60%
  • The Advisorsa€™ Inner Circle Fund III 1.00%
  • VanEck Semiconductor ETF 0.30%
  • Weighted yield (per year) 0.85%

Dividend yield for the overall portfolio is relatively low at 0.85%, reflecting its growth and momentum focus. Dividends are the cash payments companies make to shareholders; higher-yield portfolios tend to be more income oriented, while lower-yield ones usually emphasize price appreciation. This setup is well-suited to someone prioritizing long-term capital growth rather than current income. The income that does come in can still be useful when reinvested, compounding gains over time. If future needs shift toward regular cash flow—such as retirement spending—this kind of portfolio could be gradually paired with higher-yield holdings or a separate income sleeve to better match those changing goals.

Ongoing product costs Info

  • Invesco S&P International Developed Momentum ETF 0.25%
  • The Advisorsa€™ Inner Circle Fund III 0.65%
  • VanEck Semiconductor ETF 0.35%
  • Weighted costs total (per year) 0.46%

The total expense ratio (TER) of about 0.46% is quite reasonable for an active, growth-tilted ETF mix. TER is the annual fee charged by the funds, taken out before you see your returns. The costs here are impressively low relative to many actively managed options and support better long-term performance by leaving more of the gains in your pocket. While it’s always possible to trim costs further using ultra-low-fee broad funds, that might reduce the intentional tilts that drive this higher-growth profile. Periodically checking whether all funds still earn their fee through performance and role in the portfolio helps keep the cost-benefit balance in a good place.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey