Growth-focused portfolio with a strong tilt towards technology and North America

Report created on Aug 1, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Your portfolio is heavily weighted towards stock funds, comprising 60% in a total market index fund, 20% in an international index fund, 10% in a U.S. small-cap value ETF, and 10% in a U.S. large-cap growth ETF. This composition reflects a growth-oriented approach, primarily investing in equities with a broad diversification across sectors and geographies, albeit with a significant emphasis on the U.S. market. The allocation towards large-cap and technology sectors indicates a preference for established, high-growth potential companies.

Growth Info

Historically, your portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 15.52%, with a maximum drawdown of -35.40%. The days contributing most significantly to returns were relatively few, indicating that performance peaks were driven by short, strong market rallies. This performance pattern is typical for growth-oriented portfolios, where returns can be highly concentrated in periods of market optimism, particularly within the technology sector.

Projection Info

Using Monte Carlo simulations, which project future performance based on historical data, your portfolio shows a wide range of outcomes. The median simulation suggests a 564.9% return, with a 5th percentile at a much lower 38.3% return, highlighting the potential for high volatility. While these simulations can provide insight, it's important to remember they are based on past trends and cannot predict future market conditions with certainty.

Asset classes Info

  • Stocks
    100%

Your portfolio's allocation is entirely in stocks, with no presence in bonds, cash, or alternative investments. This allocation supports high growth potential but also increases susceptibility to market volatility. Diversifying across different asset classes can provide a buffer against stock market downturns and reduce overall portfolio risk.

Sectors Info

  • Technology
    26%
  • Financials
    17%
  • Industrials
    10%
  • Health Care
    9%
  • Consumer Discretionary
    8%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    5%
  • Basic Materials
    3%
  • Consumer Discretionary
    3%
  • Utilities
    2%
  • Real Estate
    2%

The sectoral distribution leans heavily towards technology and financial services, followed by industrials and healthcare. This concentration in technology and financial sectors can drive significant growth but also exposes your portfolio to sector-specific risks, such as regulatory changes or economic cycles affecting these industries.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Japan
    3%
  • Asia Emerging
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, your portfolio is predominantly invested in North America (81%), with modest exposure to developed Europe and minimal allocations to emerging markets and other regions. This concentration may limit global diversification benefits and exposure to growth opportunities in emerging markets, which can offer higher returns albeit with increased risk.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    27%
  • Mid-cap
    16%
  • Small-cap
    9%
  • Micro-cap
    6%

Your portfolio's market capitalization exposure is skewed towards mega and big-cap stocks, which tend to be more stable but might offer lower growth potential compared to smaller companies. Including small and micro-cap stocks can increase growth prospects but also comes with higher volatility and risk.

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.

Considering the Efficient Frontier, your portfolio could potentially be optimized for a better risk-return ratio by diversifying across more asset classes and reducing sector-specific concentrations. This doesn't necessarily mean a complete overhaul but rather a strategic refinement to balance growth prospects with risk management.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • FIDELITY ZERO INTERNATIONAL INDEX FUND 2.50%
  • FIDELITY ZERO TOTAL MARKET INDEX FUND 1.10%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Weighted yield (per year) 1.37%

The overall dividend yield of your portfolio stands at 1.37%, with the international index fund contributing the highest yield. While growth-focused portfolios typically prioritize capital appreciation over income, dividends can provide a steady income stream and contribute to total returns, especially in volatile or declining markets.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Weighted costs total (per year) 0.03%

The portfolio's costs are impressively low, with the total expense ratio (TER) averaging 0.03%. Low costs are crucial for long-term investment success, as they directly enhance net returns. Your emphasis on low-cost funds aligns well with best practices for maximizing long-term growth.

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