A growth-focused portfolio with a strong tech orientation and global diversification

Report created on Aug 6, 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 characterized by a significant allocation to ETFs (90%) and a notable position in a single technology stock (10%). The ETFs cover a broad spectrum of the global stock market, including the U.S. total stock market, NASDAQ 100, international stocks, and emerging markets. This composition suggests a strategy aimed at capturing growth across both domestic and international equities, with a heavy emphasis on technology. The inclusion of a significant single stock position in NVIDIA Corporation adds a layer of concentration risk but also potential for higher returns.

Growth Info

Historically, the portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 18.39%, with a maximum drawdown of -34.20%. These figures indicate a strong performance, albeit with periods of significant volatility. The days contributing to 90% of returns being concentrated in a relatively small number (26) highlight the portfolio's susceptibility to sharp market movements, underscoring the importance of maintaining a long-term perspective.

Projection Info

Monte Carlo simulations, using historical data to forecast future performance, suggest a wide range of outcomes. With 992 out of 1,000 simulations showing positive returns, the median projected growth is substantial. However, the broad spread between the 5th and 67th percentiles underlines the inherent uncertainty in these projections. It's crucial to remember that while Monte Carlo provides a useful range of possible outcomes, it cannot predict future market movements with certainty.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is heavily skewed towards stocks (99%), with a minimal cash holding (1%). This allocation is consistent with a growth-oriented investment strategy but comes with higher volatility and risk. The absence of bonds or alternative asset classes means the portfolio may lack cushioning during stock market downturns.

Sectors Info

  • Technology
    38%
  • Financials
    13%
  • Consumer Discretionary
    10%
  • Telecommunications
    9%
  • Industrials
    8%
  • Health Care
    7%
  • Consumer Staples
    5%
  • Basic Materials
    3%
  • Energy
    3%
  • Utilities
    2%
  • Real Estate
    2%

The technology sector dominates the portfolio at 38%, followed by financial services and consumer cyclicals. This sectoral distribution reflects a growth-focused approach, as these sectors often exhibit higher volatility but also the potential for significant returns. However, the heavy reliance on technology heightens the portfolio's sensitivity to sector-specific risks.

Regions Info

  • North America
    71%
  • Asia Emerging
    9%
  • Europe Developed
    8%
  • Asia Developed
    4%
  • Japan
    3%
  • Africa/Middle East
    2%
  • Latin America
    1%
  • Australasia
    1%

Geographically, the portfolio is heavily weighted towards North America (71%), with meaningful exposure to emerging Asia and developed Europe. This distribution leverages growth opportunities in both established and developing markets. However, the limited exposure to other regions like Latin America and Africa/Middle East suggests potential areas for further diversification.

Market capitalization Info

  • Mega-cap
    51%
  • Large-cap
    28%
  • Mid-cap
    15%
  • Small-cap
    4%
  • Micro-cap
    1%

The portfolio's market capitalization breakdown shows a preference for mega (51%) and big (28%) cap stocks, indicative of a focus on established, large companies likely to offer stability and steady growth. The smaller allocations to medium, small, and micro-cap stocks suggest a cautious approach to risk but may limit exposure to high-growth opportunities in these segments.

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 current allocation appears well-tuned to the Efficient Frontier, aiming for the optimal risk-return balance given the existing assets. While adjustments could potentially enhance returns or reduce volatility, any optimization should carefully consider the investor's risk tolerance and investment horizon. It's also worth noting that achieving efficiency is an ongoing process, as market conditions and asset performances evolve.

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 2.80%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.42%

The portfolio's overall dividend yield stands at 1.42%, with the highest yields coming from the Vanguard FTSE Emerging Markets and Total International Stock Index Fund ETF Shares. While not the primary focus of a growth-oriented strategy, these dividends contribute to total returns and provide a modest income stream, which can be reinvested for compounding effects.

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%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

The portfolio's total expense ratio (TER) averages to a low 0.06%, which is favorable for long-term growth as it minimizes the drag on returns. Keeping costs low is crucial in maximizing investment growth, and this portfolio benefits from the selection of low-cost ETFs and the efficient structure of its holdings.

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