A growth-focused portfolio with strong tech exposure and an emphasis on US markets

Report created on Sep 7, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is heavily weighted towards equities, with a significant 50% allocation in the Vanguard S&P 500 ETF, reflecting a strong basis in US large-cap stocks. The 15% allocation in the Vanguard Information Technology Index Fund ETF Shares indicates a pronounced tilt towards the technology sector, further accentuated by the portfolio's overall 38% technology sector exposure. The inclusion of the Vanguard Total International Stock Index Fund ETF Shares and the Vanguard Russell 2000 Index Fund ETF Shares adds international and small-cap diversification, respectively. However, the overall geographic allocation remains predominantly North American (86%), with minimal exposure to emerging markets and other global regions.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 18.13% and a maximum drawdown of -33.69%, the portfolio has demonstrated strong growth potential albeit with significant volatility. The days contributing to 90% of returns being concentrated in just 34.0 days highlights the portfolio's susceptibility to short-term market movements, underscoring the importance of a long-term investment horizon to mitigate the impact of volatility.

Projection Info

The Monte Carlo simulation, based on 1,000 iterations, suggests a wide range of potential outcomes, from a 5th percentile growth of 136.2% to a 67th percentile growth of 1,351.9%. With 994 simulations showing positive returns, the projected annualized return of all simulations stands at 20.03%. While encouraging, it's important to note that such simulations are based on historical data, which may not accurately predict future performance.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset class distribution is almost entirely in stocks (99%), with a minimal cash holding (1%). This composition underscores the growth orientation but also highlights a lack of asset class diversification. Incorporating additional asset classes such as bonds or real estate could provide a buffer against stock market volatility.

Sectors Info

  • Technology
    38%
  • Financials
    14%
  • Consumer Discretionary
    9%
  • Industrials
    9%
  • Health Care
    8%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    3%
  • Real Estate
    2%
  • Utilities
    2%
  • Basic Materials
    2%

The sector allocation reveals a heavy emphasis on technology (38%), with financial services (14%) and consumer cyclicals (9%) following. While the tech focus aligns with growth objectives, it also introduces sector-specific risks, particularly in market downturns or during tech sector corrections. Diversifying into underrepresented sectors could help mitigate these risks.

Regions Info

  • North America
    86%
  • Europe Developed
    6%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, the portfolio is heavily skewed towards North America (86%), with limited exposure to developed Europe (6%), Asia, and other emerging markets. This concentration enhances exposure to US market performance but limits global diversification, potentially missing out on growth opportunities in other regions.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    29%
  • Mid-cap
    15%
  • Small-cap
    7%
  • Micro-cap
    5%

The market capitalization breakdown shows a preference for mega (43%) and big (29%) cap stocks, indicative of a conservative approach within the equity allocation. However, the presence of medium (15%), small (7%), and micro (5%) cap stocks introduces a balanced mix, aiming to capture growth from smaller companies alongside the stability of larger 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.

The portfolio's current allocation appears to be near the Efficient Frontier, suggesting an optimal risk-return balance given the existing asset selections. However, the heavy tilt towards technology and US equities might be worth reevaluating to ensure alignment with the investor's risk tolerance and diversification goals. Exploring additional asset classes and geographic regions could further optimize the portfolio's performance.

Dividends Info

  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Russell 2000 Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.24%

The dividend yield of the portfolio averages 1.24%, with the highest yield from the Vanguard Total International Stock Index Fund ETF Shares at 2.70%. While dividends contribute to the portfolio’s total return, the focus remains on capital appreciation, as reflected by the overall growth orientation.

Ongoing product costs Info

  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Russell 2000 Index Fund ETF Shares 0.10%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

The Total Expense Ratio (TER) of 0.06% is impressively low, enhancing the portfolio's attractiveness by minimizing the drag on returns due to costs. This efficiency is crucial for long-term growth, as even small differences in costs can significantly impact cumulative returns.

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