This portfolio has only about 1.2 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.

Growth-oriented portfolio with a tech-heavy tilt and a strong foundation in diversified funds

Report created on Aug 27, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

5/5
Highly Diversified
Less diversification More diversification

Positions

Your portfolio is structured around a mix of broad-market funds and individual tech stocks, with a significant portion allocated to a target-date fund. This setup suggests a focus on long-term growth, leveraging the broad exposure of the Vanguard Target Retirement 2050 Fund alongside concentrated bets in tech through the Invesco QQQ Trust, Vanguard S&P 500 ETF, and direct stock holdings. The blend of diversified funds and specific equities aims to balance market-wide growth with sector-specific opportunities.

Growth Info

Historically, your portfolio has shown impressive growth, with a CAGR of 27.51%. This high rate of return is indicative of the portfolio's aggressive growth orientation and the strong performance of the tech sector in recent years. However, the max drawdown of -23.64% highlights the volatility and risk associated with this growth. It's crucial to understand that such high returns come with significant risk, as evidenced by the sharp drawdowns during market corrections.

Projection Info

Utilizing a Monte Carlo simulation, which projects future performance based on historical data, your portfolio shows a wide range of potential outcomes. While the median projection suggests substantial growth, it's important to remember that this method relies on past trends, which may not always predict future movements. The high degree of variability in the simulation outcomes underscores the uncertainty inherent in stock market investments.

Asset classes Info

  • Stocks
    95%
  • Bonds
    4%
  • Cash
    1%

Your portfolio's asset allocation leans heavily towards stocks, with a minimal allocation to bonds and cash. This allocation is consistent with a growth-focused strategy, aiming for higher returns at the expense of higher volatility. While this setup can offer significant rewards during bull markets, it may also expose you to sharper declines during market downturns. Balancing growth with risk management is key to navigating market cycles effectively.

Sectors Info

  • Technology
    40%
  • Financials
    13%
  • Health Care
    9%
  • Telecommunications
    8%
  • Industrials
    8%
  • Consumer Discretionary
    5%
  • Consumer Staples
    4%
  • Consumer Discretionary
    4%
  • Utilities
    3%
  • Energy
    2%
  • Basic Materials
    2%
  • Real Estate
    2%

The sectoral distribution of your portfolio, with a 40% allocation to technology, underscores a strong conviction in tech's growth prospects. While this concentration has likely contributed to your portfolio's high returns, it also increases vulnerability to sector-specific risks. Diversifying across more sectors could help mitigate this risk without necessarily compromising on growth potential.

Regions Info

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

With 81% of your assets in North America, your portfolio has a strong domestic focus. While this concentration has benefited from the robust performance of U.S. markets, it also limits exposure to potential growth in other regions. Expanding geographic diversity could reduce risk and tap into emerging market opportunities.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    28%
  • Mid-cap
    13%
  • Small-cap
    5%
  • Micro-cap
    1%

The market capitalization breakdown reveals a preference for mega and big-cap stocks, which is typical for investors seeking stability and growth. These companies often offer more predictable returns and resilience in volatile markets. However, incorporating a broader mix of mid and small-cap stocks could enhance growth potential and diversification.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Invesco QQQ Trust
    VANGUARD TARGET RETIREMENT 2050 FUND INVESTOR SHARES
    High correlation

The high correlation among your major holdings, especially between the Vanguard S&P 500 ETF, Invesco QQQ Trust, and the Vanguard Target Retirement 2050 Fund, suggests overlapping exposures that may limit diversification benefits. Reducing redundancy in your portfolio can help improve its overall risk profile without significantly sacrificing 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.

Considering the Efficient Frontier, your portfolio could potentially achieve a more favorable risk-return balance. By diversifying more effectively and reducing overlap among correlated assets, you could maintain, or even enhance, expected returns while managing risk more efficiently. This optimization process is not about reducing growth potential but about achieving the best possible returns for a given level of risk.

Dividends Info

  • Oracle Corporation 0.80%
  • Invesco QQQ Trust 0.50%
  • VANGUARD TARGET RETIREMENT 2050 FUND INVESTOR SHARES 1.90%
  • Vanguard S&P 500 ETF 1.20%
  • Weighted yield (per year) 1.23%

Your portfolio's dividend yield, while not the primary focus, contributes to total returns. In growth-oriented portfolios, dividends often play a secondary role to capital appreciation. However, reinvesting dividends can compound growth over time, subtly boosting your portfolio's performance.

Ongoing product costs Info

  • Invesco QQQ Trust 0.20%
  • VANGUARD TARGET RETIREMENT 2050 FUND INVESTOR SHARES 0.08%
  • Vanguard S&P 500 ETF 0.03%
  • Weighted costs total (per year) 0.08%

The overall low cost of your portfolio, with a total expense ratio (TER) averaging 0.08%, is commendable. Lower costs translate directly into higher net returns over time. Maintaining focus on cost efficiency, especially when selecting funds and ETFs, is a prudent long-term investment strategy.

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