Growth-focused portfolio with a strong tilt towards technology and US markets

Report created on Jul 9, 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 predominantly consists of ETFs, with a heavy allocation towards the Vanguard Total World Stock Index Fund ETF Shares, making up 60% of your portfolio. This is complemented by specific exposures to the S&P 500, momentum stocks, U.S. small cap value, and the semiconductor sector. The concentration in ETFs suggests a preference for diversified, passive investment strategies, albeit with a significant tilt towards U.S. and technology stocks. This structure supports broad market exposure while aiming for growth through sector and thematic bets.

Growth Info

Historically, your portfolio has shown a Compound Annual Growth Rate (CAGR) of 16.67%, with a maximum drawdown of -34.46%. These figures indicate a strong performance, albeit with notable volatility. The days contributing most to returns highlight the impact of significant market movements on portfolio performance. Comparing this to benchmarks would help understand relative performance, but the growth focus seems to have paid off, considering the high CAGR.

Projection Info

Monte Carlo simulations, which use historical data to forecast potential future outcomes, suggest a wide range of possibilities for your portfolio. With 990 out of 1,000 simulations showing positive returns, the projection is overwhelmingly optimistic. However, it's crucial to remember that these simulations are based on past data, and future market conditions can diverge significantly. Thus, while the projections are encouraging, they should not be the sole basis for investment decisions.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Your portfolio is almost entirely invested in stocks, with a negligible cash allocation. This asset class composition aligns with a growth-oriented strategy but comes with higher volatility. Stocks offer the potential for significant returns over time, especially in a well-diversified portfolio like yours. However, the minimal cash position could limit flexibility in taking advantage of market dips or rebalancing without selling existing investments.

Sectors Info

  • Technology
    30%
  • Financials
    17%
  • Consumer Discretionary
    11%
  • Industrials
    10%
  • Telecommunications
    8%
  • Health Care
    7%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

The sector allocation reveals a heavy emphasis on technology, financial services, and consumer cyclicals. This concentration in high-growth sectors can enhance returns but also increases susceptibility to sector-specific downturns. For instance, technology stocks often experience heightened volatility during interest rate hikes. Balancing high-growth sectors with more defensive ones like healthcare or consumer staples could provide stability during market fluctuations.

Regions Info

  • North America
    77%
  • Europe Developed
    10%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

With 77% of your portfolio allocated to North America, there's a pronounced home bias, which is common but can introduce geographic concentration risk. Diversifying more into developed Europe, emerging Asia, or other regions could spread risk and tap into growth opportunities outside the U.S. This would not only mitigate potential downturns in the U.S. market but also capitalize on global economic growth.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    31%
  • Mid-cap
    15%
  • Small-cap
    7%
  • Micro-cap
    5%

Your exposure spans mega to micro-cap stocks, with a lean towards larger companies. This is beneficial for stability and liquidity but may limit exposure to high-growth potential in smaller companies beyond your current 8% allocation to U.S. small cap value. Considering a more balanced approach could enhance returns while managing volatility, as smaller companies often outperform larger ones in bull markets.

Redundant positions Info

  • Vanguard Total World Stock Index Fund ETF Shares
    SPDR® Portfolio S&P 500 ETF
    High correlation

The high correlation between the Vanguard Total World Stock Index Fund ETF Shares and the SPDR® Portfolio S&P 500 ETF indicates overlapping exposures, which may dilute diversification benefits. While both aim for broad market coverage, their significant overlap in U.S. large caps suggests you might be overexposed to this segment. Reassessing these positions could lead to a more efficient diversification strategy.

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.

Optimizing your portfolio along the Efficient Frontier could enhance the risk-return profile. This involves adjusting the asset allocation to achieve the best possible balance between expected return and risk. Given the high correlation among some of your holdings, there's room to reduce overlap and potentially introduce assets with lower correlation to increase diversification benefits without necessarily increasing risk.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • VanEck Semiconductor ETF 0.40%
  • SPDR® Portfolio S&P 500 ETF 1.20%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard Total World Stock Index Fund ETF Shares 1.80%
  • Weighted yield (per year) 1.48%

Your portfolio's average dividend yield stands at 1.48%, contributing to total returns alongside capital gains. This yield is a reflection of the income-generating capacity of your investments, with the Vanguard Total World Stock Index Fund ETF Shares offering the highest yield. While not the primary focus of a growth-oriented strategy, dividends can provide a steady income stream and mitigate volatility.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • VanEck Semiconductor ETF 0.35%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.11%

The portfolio's average expense ratio is 0.11%, which is impressively low, especially for a diversified, growth-focused strategy. Keeping costs low is crucial for long-term investment success, as high fees can significantly erode returns over time. Your emphasis on cost-effective ETFs aligns with best practices for maintaining portfolio efficiency and maximizing net returns.

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