Growth-focused portfolio with strong US equity presence and moderate diversification

Report created on Oct 14, 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 weighted towards US equities, comprising 100% stocks with a significant emphasis on technology and utilities sectors. The allocation across five ETFs focused on the US market and one international ETF indicates a preference for domestic over global exposure. The presence of specialized ETFs, like the Utilities Select Sector SPDR® Fund, alongside broad-market ETFs, suggests an attempt to balance sector-specific bets with overall market participation.

Growth Info

Historically, this portfolio has shown a robust Compound Annual Growth Rate (CAGR) of 17.92%, though it has experienced a significant drawdown of -33.33%. These figures underscore the portfolio's growth orientation but also highlight its vulnerability to market volatility. The days contributing to 90% of returns are relatively few, indicating that performance peaks are concentrated in specific periods, which is typical for growth-focused investments.

Projection Info

The Monte Carlo simulation, with 1,000 runs, projects a wide range of outcomes, emphasizing the inherent uncertainty in forecasting. The median outcome suggests substantial growth potential, yet the spread between the 5th and 67th percentiles indicates a high risk of variability in returns. This underscores the importance of understanding the volatility and risk associated with high-growth strategies.

Asset classes Info

  • Stocks
    100%

With stocks constituting the entire portfolio, there's a clear growth orientation but also a significant risk exposure due to the absence of diversifying asset classes like bonds or real estate. This singular focus on equities enhances potential returns but also increases susceptibility to market downturns, lacking the buffer more diversified asset allocations might provide.

Sectors Info

  • Technology
    31%
  • Utilities
    17%
  • Financials
    12%
  • Telecommunications
    9%
  • Consumer Discretionary
    9%
  • Industrials
    7%
  • Health Care
    6%
  • Consumer Staples
    4%
  • Energy
    2%
  • Real Estate
    1%
  • Basic Materials
    1%

The sector allocation reveals a heavy tilt towards technology and utilities, with financial services and communication services also having notable shares. This concentration in tech and utilities could lead to higher portfolio volatility, especially given the tech sector's sensitivity to interest rate changes and utilities' defensive nature, which behaves differently across market cycles.

Regions Info

  • North America
    91%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%

The geographic distribution is heavily skewed towards North America, with minimal exposure to international markets. This focus on domestic equities limits global diversification benefits and potentially increases exposure to country-specific risks. Expanding into more international and emerging markets could offer growth opportunities and risk mitigation through geographic diversification.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    31%
  • Mid-cap
    23%
  • Small-cap
    2%

The market capitalization breakdown shows a preference for mega and big-cap stocks, which tend to be more stable and less volatile than their smaller counterparts. However, this focus may limit the portfolio's potential to benefit from the often higher growth rates of medium, small, and micro-cap stocks.

Redundant positions Info

  • SPDR® Portfolio S&P 500 ETF
    Vanguard Russell 1000 Growth Index Fund ETF Shares
    iShares Core S&P Total U.S. Stock Market ETF
    High correlation

The high correlation among the SPDR® Portfolio S&P 500 ETF, Vanguard Russell 1000 Growth Index Fund ETF Shares, and iShares Core S&P Total U.S. Stock Market ETF indicates overlapping exposures. This redundancy suggests that the portfolio may not be as diversified as intended, as these assets tend to move in tandem, reducing the effectiveness of diversification as a risk management tool.

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 stands to benefit from an optimization process that addresses the high correlation among certain assets. By reducing overlap and introducing assets with low or negative correlations, the portfolio could achieve a more efficient risk-return profile. This adjustment would not necessarily require sacrificing growth potential but would aim to improve the portfolio's resilience against market volatility.

Dividends Info

  • iShares Core S&P Total U.S. Stock Market ETF 1.10%
  • SPDR® Portfolio S&P 500 ETF 1.20%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares 0.50%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Utilities Select Sector SPDR® Fund 2.50%
  • Weighted yield (per year) 1.30%

The portfolio's dividend yield stands at 1.30%, which is modest but not insignificant. The higher yields from the Utilities Select Sector SPDR® Fund and Vanguard Total International Stock Index Fund ETF Shares contribute positively to the portfolio's income generation, complementing capital gains with a steady income stream.

Ongoing product costs Info

  • iShares Core S&P Total U.S. Stock Market ETF 0.03%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Russell 1000 Growth Index Fund ETF Shares 0.08%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Utilities Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.06%

The overall portfolio cost, represented by a Total Expense Ratio (TER) of 0.06%, is impressively low, which is beneficial for long-term growth as it minimizes the drag on performance. Keeping costs low is crucial for enhancing net returns, especially in a growth-oriented portfolio where compounding plays a significant role.

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