Balanced and broadly diversified portfolio with a strong emphasis on stocks and technology

Report created on Jul 30, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio predominantly consists of ETFs, with a significant 70% allocation to the Vanguard Total Stock Market Index Fund ETF Shares, 20% to the Vanguard Total International Stock Index Fund ETF Shares, and 10% to the Invesco NASDAQ 100 ETF. Such a composition indicates a strategic focus on broad market exposure, both domestically and internationally, with an additional tilt towards technology through the NASDAQ-focused ETF.

Growth Info

Historically, the portfolio has shown a Compound Annual Growth Rate (CAGR) of 13.96%, with a maximum drawdown of -26.65%. These figures suggest a robust growth trajectory, albeit with notable volatility. The days contributing to 90% of the returns being limited to 19 indicates that the portfolio's performance is significantly impacted by sharp, short-term market movements.

Projection Info

Utilizing Monte Carlo simulations, which forecast future performance based on historical data, the portfolio shows a wide range of outcomes. The median projection suggests a potential 461.1% increase, with a 14.43% annualized return across all simulations. However, the reliance on historical data means these projections are not guaranteed, emphasizing the importance of considering a range of outcomes in planning.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

With 99% of the portfolio in stocks and 1% in cash, the asset class allocation underscores a strong growth orientation, typical of a balanced profile that leans towards higher risk and return potential. This heavy stock weighting is suitable for investors with a medium to long-term horizon, capable of weathering market volatility.

Sectors Info

  • Technology
    30%
  • Financials
    15%
  • Consumer Discretionary
    11%
  • Industrials
    10%
  • Telecommunications
    9%
  • Health Care
    9%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

The sectoral breakdown reveals a substantial emphasis on technology, financial services, and consumer cyclicals, comprising over half of the portfolio. This concentration in sectors known for volatility but also significant growth potential aligns with the portfolio's overall risk-return profile.

Regions Info

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

The geographic allocation is heavily weighted towards North America (81%), with modest exposure to developed Europe and emerging Asian markets. This distribution reflects a preference for the stability and growth potential of developed markets, though it may limit exposure to the diversification benefits and growth opportunities available in emerging markets.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    31%
  • Mid-cap
    18%
  • Small-cap
    5%
  • Micro-cap
    2%

The market capitalization breakdown shows a preference for mega and big-cap stocks, which constitute 74% of the portfolio. This bias towards larger companies may offer stability and lower volatility compared to smaller caps but could also limit growth potential and diversification benefits from smaller, more dynamic firms.

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, the portfolio appears to be positioned for a favorable risk-return balance based on its current asset allocation. However, ongoing review and potential adjustment could further optimize its position on the Efficient Frontier, enhancing the risk-return profile by adjusting allocations without necessarily increasing risk.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.45%

The overall dividend yield of the portfolio stands at 1.45%, with the highest yield coming from the Vanguard Total International Stock Index Fund ETF Shares. This yield contributes to the portfolio's total return, providing a steady income stream in addition to potential capital gains, which is particularly valuable in volatile or declining markets.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • 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) 0.05%

The portfolio benefits from relatively low costs, with a total expense ratio (TER) of 0.05%. Low costs are crucial for long-term investment success, as they directly enhance net returns by minimizing the drag on performance. This cost efficiency is a significant strength of the portfolio.

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