A focused growth portfolio with 100% allocation to Vanguard S&P 500 ETF
Report created on Oct 14, 2025Risk profile
5/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 100.00%
Your portfolio is entirely invested in the Vanguard S&P 500 ETF, which mirrors the performance of the S&P 500 Index. This composition indicates a straightforward approach, focusing on the broad US equity market without diversification into other asset classes or geographic regions. While this strategy simplifies portfolio management, it also concentrates risk in the performance of the US stock market and its sectors, primarily technology, financial services, and consumer cyclicals.
Growth
Historically, your portfolio has shown a Compound Annual Growth Rate (CAGR) of 15.28%, with a maximum drawdown of -34.01%. These figures illustrate robust growth potential but also significant volatility, as evidenced by the substantial drawdown. The days contributing to 90% of returns highlight the market's unpredictability and the importance of staying invested through volatile periods to capture gains.
Projection
Monte Carlo simulations, using historical data to forecast future performance, suggest a wide range of outcomes for your portfolio. With 996 out of 1,000 simulations predicting positive returns, the analysis indicates a strong likelihood of future growth. However, the significant spread between the 5th and 67th percentiles underscores the inherent uncertainty and risk in stock market investments.
Asset classes
- Stocks 100%
Your portfolio's exclusive investment in stocks, specifically through a single ETF tracking the S&P 500, offers a concentrated exposure to the equity market's growth potential. While this approach can lead to significant gains during bullish market phases, it lacks the risk mitigation benefits of asset class diversification, such as bonds or real estate, which can provide stability during downturns.
Sectors
- Technology 35%
- Financials 13%
- Consumer Discretionary 11%
- Telecommunications 10%
- Health Care 9%
- Industrials 8%
- Consumer Staples 5%
- Energy 3%
- Utilities 2%
- Real Estate 2%
- Basic Materials 2%
The sectoral allocation within your ETF reflects the composition of the S&P 500, with a heavy emphasis on technology, financial services, and consumer cyclicals. This concentration in high-growth sectors has likely contributed to your portfolio's strong performance but also increases susceptibility to sector-specific downturns, such as regulatory changes in tech or economic cycles affecting consumer spending.
Regions
- North America 100%
With 100% of your investments in North American assets, specifically US equities, your portfolio lacks international diversification. While the US market offers substantial growth opportunities, geographic diversification can reduce risk and capture growth in other economies. Emerging markets, for example, can offer higher growth rates, though with increased volatility.
Market capitalization
- Mega-cap 47%
- Large-cap 34%
- Mid-cap 18%
- Small-cap 1%
The market capitalization breakdown shows a focus on mega and big-cap stocks, which tend to be more stable and established companies. This concentration can provide a level of resilience during market volatility. However, the minimal exposure to small-cap stocks limits potential high-growth opportunities in emerging companies.
Dividends
- Vanguard S&P 500 ETF 1.20%
- Weighted yield (per year) 1.20%
The dividend yield of 1.20% adds an income component to your portfolio, contributing to total returns. While not as high as some income-focused investments, these dividends can provide a steady cash flow and help cushion volatility, especially when reinvested to compound growth.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.03%
The portfolio's total expense ratio (TER) of 0.03% is impressively low, ensuring that the vast majority of your investment returns are not eroded by fees. Keeping costs low is crucial for long-term investment success, particularly in a straightforward, index-tracking strategy like yours.
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