A growth-oriented portfolio with a strong focus on US and international equities

Report created on Aug 8, 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 is heavily weighted towards equities, with a significant 60% allocation to the Vanguard S&P 500 ETF, 30% in the Vanguard Total International Stock Index Fund ETF Shares, and 10% in the Avantis® U.S. Small Cap Value ETF. This composition underscores a growth-focused strategy, leveraging the broad market exposure of large-cap U.S. stocks alongside international diversification and the potential high returns of U.S. small-cap value stocks. The blend of domestic and international equities is commendable for its broad diversification, though it leans heavily on stock market performance.

Growth Info

The portfolio has shown a Compound Annual Growth Rate (CAGR) of 14.66%, with a maximum drawdown of -35.04%. This performance indicates a strong growth trajectory, albeit with significant volatility, as evidenced by the steep drawdown. The days contributing to 90% of returns being concentrated in just 16 days highlights the portfolio's susceptibility to short-term market movements, underscoring the importance of long-term commitment and potential stomach for volatility.

Projection Info

Monte Carlo simulations, using historical data to project future outcomes, suggest a wide range of potential returns for this portfolio. With 965 out of 1,000 simulations yielding positive returns and a median projected increase of 431.4%, the analysis supports the portfolio's strong growth potential. However, the significant spread between the 5th and 67th percentiles (from 17.1% to 705.8%) indicates considerable uncertainty, emphasizing the risk involved.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's allocation is nearly entirely in stocks (99%), with a minimal cash holding (1%). This asset class distribution aligns with a growth-oriented strategy, aiming for higher returns through equity investments. However, the lack of bonds or other asset classes may increase volatility and risk, particularly in market downturns. Diversifying across more asset classes could provide better risk-adjusted returns.

Sectors Info

  • Technology
    24%
  • Financials
    18%
  • Consumer Discretionary
    11%
  • Industrials
    11%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector allocations show a heavy tilt towards Technology (24%) and Financial Services (18%), followed by Consumer Cyclicals and Industrials. This sector composition is reflective of the growth focus but may expose the portfolio to sector-specific risks, such as regulatory changes or economic cycles affecting tech and finance industries. Balancing sector exposures could mitigate these risks while still capturing growth opportunities.

Regions Info

  • North America
    72%
  • Europe Developed
    12%
  • Asia Emerging
    5%
  • Japan
    5%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic allocation emphasizes North America (72%), with meaningful exposure to developed Europe (12%) and emerging and developed Asia. This distribution supports global diversification, reducing the risk of regional economic downturns disproportionately affecting the portfolio. However, the relatively low exposure to emerging markets outside of Asia suggests potential missed opportunities in high-growth regions.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    30%
  • Mid-cap
    16%
  • Small-cap
    6%
  • Micro-cap
    5%

The market capitalization breakdown—41% mega, 30% big, 16% medium, 6% small, and 5% micro—indicates a strong bias towards large-cap stocks, which are typically less volatile but may offer lower growth potential compared to smaller caps. Incorporating a greater small and micro-cap presence could enhance growth prospects, albeit at increased risk.

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.

Based on the Efficient Frontier analysis, the current allocation appears well-optimized for growth within its defined risk parameters. However, "efficiency" in this context means achieving the best possible return for the given level of risk, and there may be room to adjust the asset allocation for improved risk-adjusted returns. Regularly reviewing and adjusting the portfolio in response to changing market conditions and personal financial goals can help maintain this optimization.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.73%

With a total dividend yield of 1.73%, the portfolio offers a modest income component, which can contribute to total returns, especially in volatile or bear markets. The higher yield from the international ETF (2.80%) complements the growth strategy with income generation, providing a balanced approach to wealth accumulation.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

The portfolio's overall expense ratio is impressively low at 0.06%, which is beneficial for long-term growth as lower costs translate directly into higher net returns. This cost efficiency is a strong aspect of the portfolio, ensuring that more of the investment returns are retained by the investor rather than being consumed by fees.

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