This portfolio has only about 1.9 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.
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Growth-oriented portfolio with a focus on large-cap stocks and a notable allocation to Bitcoin

Report created on Dec 10, 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 characterized by a significant concentration in U.S. large-cap growth stocks and a broader stock market exposure, complemented by an adventurous allocation to Bitcoin. The 40% allocation to the Schwab U.S. Large-Cap Growth ETF and 35% to the Vanguard Total Stock Market Index Fund ETF Shares indicate a strong tilt towards growth-oriented large-cap stocks. Meanwhile, the 15% in the Vanguard Total International Stock Index Fund ETF Shares offers some international diversification. The inclusion of the Fidelity Wise Origin Bitcoin Trust at 10% is a bold move, introducing higher volatility and potential for substantial gains, albeit with increased risk.

Growth Info

The portfolio has demonstrated impressive historical performance with a Compound Annual Growth Rate (CAGR) of 25.50%. However, it's crucial to remember that past performance is not indicative of future results. The maximum drawdown of -20.67% highlights periods of significant value decline, which are important to consider for risk management. The days contributing to 90% of returns being so few suggest that returns have been highly concentrated in specific periods, emphasizing the importance of staying invested through market cycles.

Projection Info

Monte Carlo simulations, which project future outcomes based on historical data, show a wide range of potential portfolio values. While 999 out of 1,000 simulations yielded positive returns, the variability between the 5th percentile and the 67th percentile is substantial. This underscores the uncertainty and risk involved, particularly with the Bitcoin allocation. Investors should view these projections as one of many tools in assessing potential risk and return, not as guarantees.

Asset classes Info

  • Stocks
    89%
  • Other
    10%
  • Cash
    1%

The portfolio's asset class distribution, with 89% in stocks and 10% in other (primarily Bitcoin), reflects a growth-focused strategy with a high-risk profile. The 1% in cash offers minimal liquidity and safety net. This heavy tilt towards equities and alternative investments like Bitcoin increases potential returns but also exposes the portfolio to higher volatility. Diversifying across more asset classes could provide a smoother investment experience, especially during market downturns.

Sectors Info

  • Technology
    33%
  • Financials
    11%
  • Telecommunications
    10%
  • Consumer Discretionary
    10%
  • Health Care
    8%
  • Industrials
    7%
  • Consumer Staples
    3%
  • Basic Materials
    2%
  • Energy
    2%
  • Utilities
    1%
  • Real Estate
    1%

The sector allocation reveals a strong emphasis on technology, which accounts for a third of the portfolio. This concentration can drive high returns but also increases susceptibility to sector-specific downturns. Financial services, communication services, and consumer cyclicals round out the top sectors, indicating a focus on industries that can benefit from economic growth. However, the low allocation to defensive sectors like utilities and real estate could mean the portfolio is less resilient during market slumps.

Regions Info

  • North America
    76%
  • Europe Developed
    6%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, the portfolio is heavily weighted towards North America (76%), with modest exposure to developed Europe and emerging Asia. This concentration in the U.S. market leverages the growth potential of the world's largest economy but also exposes the portfolio to country-specific risks. Increasing exposure to emerging markets and other developed regions could enhance diversification and potentially tap into faster-growing economies.

Market capitalization Info

  • Mega-cap
    46%
  • Large-cap
    25%
  • Mid-cap
    14%
  • Small-cap
    3%
  • Micro-cap
    1%

The portfolio's emphasis on mega (46%) and big (25%) cap stocks aligns with its growth and risk profile, as these companies often offer more stability than their smaller counterparts. However, the limited exposure to medium, small, and micro-cap stocks means the portfolio may miss out on the higher growth potential these companies can offer. Broadening the market cap range could enhance returns and provide better diversification.

Redundant positions Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The high correlation between the Vanguard Total Stock Market Index Fund ETF Shares and the Schwab U.S. Large-Cap Growth ETF suggests redundancy, limiting the diversification benefits. By reallocating from one to underrepresented asset classes or sectors, the portfolio's risk-adjusted returns could improve. Diversification is not just about holding different assets, but about holding assets that behave differently under various market conditions.

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.

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Optimizing the portfolio involves addressing the overlap between the highly correlated U.S. stock ETFs. By diversifying into less correlated assets or sectors, the portfolio can achieve a more efficient risk-return profile, as indicated by the Efficient Frontier. This concept suggests that for any given level of risk, there's an optimal combination of assets that maximizes returns. Adjusting the portfolio to move closer to this frontier can enhance performance without necessarily increasing risk.

Dividends Info

  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 0.95%

The portfolio's dividend yield mix, with a total yield of 0.95%, contributes to its total return. While the growth-focused assets like the Schwab ETF offer lower yields, the international exposure through Vanguard's Total International Stock ETF provides a higher yield, balancing income with growth. Investors should consider the role of dividends in achieving their total return objectives, especially in growth-oriented portfolios where dividends may be a smaller component of returns.

Ongoing product costs Info

  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • 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) 0.06%

With a total expense ratio (TER) of 0.06%, the portfolio benefits from low costs, which is crucial for long-term investment success. Lower costs mean more of the portfolio's gains are retained by the investor, rather than being eroded by fees. This is particularly relevant for the Bitcoin trust, which, despite its higher individual cost, represents a manageable expense within the context of the entire portfolio.

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