A growth-focused portfolio with a blend of ETFs and stocks emphasizing tech and international dividends

Report created on Jul 22, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio showcases a strategic blend of technology and dividend-focused investments, with a significant allocation towards ETFs that track major indices like the NASDAQ 100 and S&P 500, alongside international stock and high dividend yield ETFs. The inclusion of specific tech stocks adds a layer of growth potential. This composition aligns with a growth-oriented investment strategy, leveraging both the stability of major indices and the high-growth prospects of technology equities.

Growth Info

Historically, this portfolio has demonstrated strong performance with a Compound Annual Growth Rate (CAGR) of 19.99%, despite experiencing a maximum drawdown of -32.05%. This indicates a resilient growth trajectory over time, though the drawdown highlights potential volatility. The days contributing most to returns suggest that significant gains are concentrated in relatively few periods, emphasizing the importance of long-term holding to capture peak growth moments.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with a median increase of 3,133.1%, underscoring substantial growth potential. However, the broad spread between the 5th and 67th percentiles indicates high uncertainty. These projections, while optimistic, should be approached with caution, as past performance is not a reliable indicator of future results. The high annualized return across simulations suggests robust growth prospects, albeit with significant risk.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

With 99% of the portfolio in stocks and only a minimal cash reserve, this allocation underscores a strong commitment to equity markets for growth. This high equity exposure is typical for growth-oriented portfolios but comes with increased market risk. Diversifying across different asset classes could provide a more balanced risk-return profile.

Sectors Info

  • Technology
    32%
  • Financials
    17%
  • Consumer Discretionary
    9%
  • Industrials
    8%
  • Telecommunications
    8%
  • Health Care
    7%
  • Consumer Staples
    7%
  • Energy
    5%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

The sector allocation is heavily weighted towards technology, financial services, and consumer cyclicals, reflecting a growth-focused investment approach. However, this concentration increases susceptibility to sector-specific downturns. Diversifying across more sectors or reducing exposure to the most heavily weighted ones could mitigate this risk.

Regions Info

  • North America
    63%
  • Europe Developed
    17%
  • Japan
    6%
  • Asia Emerging
    5%
  • Asia Developed
    4%
  • Australasia
    2%
  • Africa/Middle East
    2%
  • Latin America
    1%

Geographic allocation is predominantly in North America and developed European markets, with modest exposure to emerging markets. This geographical distribution supports stability and growth but may limit potential gains from faster-growing emerging markets. Increasing exposure to underrepresented regions could enhance growth prospects and diversification.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    33%
  • Mid-cap
    15%
  • Small-cap
    2%

The portfolio leans heavily towards mega and big-cap stocks, which tend to be more stable but may offer lower growth rates compared to smaller caps. Including a broader range of market capitalizations could improve diversification and potential for higher returns, albeit with increased volatility.

Redundant positions Info

  • Vanguard Total International Stock Index Fund ETF Shares
    Vanguard International High Dividend Yield Index Fund ETF Shares
    High correlation

The high correlation between certain international ETFs indicates overlapping exposures, which may diminish the intended diversification benefits. Identifying and reducing such redundancies can enhance portfolio efficiency by ensuring each investment contributes to diversification.

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.

To optimize the risk-return profile, the portfolio could benefit from reducing asset overlap and considering a broader diversification across asset classes, sectors, and geographies. Applying the Efficient Frontier concept could identify an allocation that offers the highest expected return for a given level of risk.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 4.10%
  • Weighted yield (per year) 2.10%

The portfolio's average dividend yield of 2.10% contributes to its total return, combining growth and income strategies. While the focus on higher-yielding ETFs is beneficial for income generation, it's important to balance yield-seeking with growth prospects and risk management.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Weighted costs total (per year) 0.10%

With an overall expense ratio of 0.10%, the portfolio is cost-efficient, which is crucial for maximizing long-term returns. Keeping costs low is a fundamental principle of successful investing, particularly in a growth-oriented strategy where compound returns can be significantly impacted by expenses.

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