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

Report created on Jul 29, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Your portfolio is predominantly invested in US equities, with a significant emphasis on the technology sector, represented by a 45% allocation to the Invesco NASDAQ 100 ETF. The Vanguard Total Stock Market Index Fund ETF Shares also comprise 45% of your portfolio, offering broad exposure to the US stock market. The remaining 10% is allocated to the Vanguard FTSE Emerging Markets Index Fund ETF Shares, providing a modest diversification into emerging markets. This composition indicates a growth-oriented strategy with moderate diversification across sectors and geographies.

Growth Info

Historically, your portfolio has achieved a Compound Annual Growth Rate (CAGR) of 15.04%, with a maximum drawdown of -29.82%. This performance suggests a strong growth trajectory, albeit with significant volatility. The days contributing to 90% of returns being concentrated in just 18.0 days highlight the portfolio's reliance on short periods of high returns, which is typical for growth-focused investments in volatile sectors like technology.

Projection Info

Monte Carlo simulations, based on historical data, suggest a wide range of potential outcomes for your portfolio. With 987 out of 1,000 simulations yielding positive returns, the median projected growth is substantial. However, it's crucial to remember that these projections are based on past performance, which is not a reliable indicator of future results. This method helps in understanding potential volatility and risks but does not guarantee future performance.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Your portfolio is almost entirely invested in stocks (99%), with a minimal cash holding (1%). This asset class allocation aligns with a high-growth investment strategy but comes with increased volatility and risk. Diversifying across different asset classes, such as bonds or real estate, could provide a buffer against market fluctuations.

Sectors Info

  • Technology
    40%
  • Telecommunications
    12%
  • Consumer Discretionary
    12%
  • Financials
    9%
  • Health Care
    7%
  • Industrials
    6%
  • Consumer Staples
    5%
  • Basic Materials
    2%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    2%

The sectoral allocation of your portfolio is heavily weighted towards technology (40%), followed by communication services and consumer cyclicals. This concentration in high-growth sectors supports your portfolio's growth objectives but also increases susceptibility to sector-specific risks. Diversifying across a broader range of sectors could mitigate this risk.

Regions Info

  • North America
    89%
  • Asia Emerging
    6%
  • Asia Developed
    2%
  • Latin America
    1%
  • Africa/Middle East
    1%
  • Europe Developed
    1%

Geographically, your portfolio is heavily concentrated in North America (89%), with limited exposure to emerging markets (10%) and other developed regions. This concentration enhances exposure to the US economy's growth potential but also increases vulnerability to region-specific economic downturns. Increasing geographic diversification could reduce this risk.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    31%
  • Mid-cap
    16%
  • Small-cap
    3%
  • Micro-cap
    1%

The market capitalization breakdown shows a preference for mega (48%) and big (31%) cap stocks, which tend to be more stable than smaller companies but may offer lower growth potential. The small (3%) and micro (1%) cap allocations could increase growth potential but also 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.

Considering the Efficient Frontier, your portfolio's current allocation suggests a focus on maximizing returns, albeit with a higher level of risk. This approach is consistent with a growth-oriented strategy. However, there might be room to optimize the risk-return ratio by adjusting the asset allocation, possibly by increasing diversification across less correlated assets or different asset classes.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.04%

The dividend yields from your ETFs contribute to the portfolio's total yield of 1.04%, with the highest yield coming from the Vanguard FTSE Emerging Markets Index Fund ETF Shares. While dividends are a source of income, the primary focus of your portfolio appears to be capital growth. Balancing growth and income-generating assets could provide a steadier income stream alongside capital appreciation.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.09%

The total expense ratio (TER) of your portfolio is relatively low at 0.09%, which is beneficial for long-term growth as lower costs can significantly impact net returns. This cost efficiency is a strong aspect of your portfolio, supporting the accumulation of wealth over time.

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