Growth-focused portfolio with a strong tilt towards US equities and technology sector

Report created on Jun 4, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is heavily weighted towards US equities, primarily through the Vanguard S&P 500 ETF, which makes up 70% of the portfolio. The inclusion of the Avantis® U.S. Small Cap Value ETF and Vanguard Total International Stock Index Fund ETF Shares adds a layer of diversification, though the international exposure remains limited. The portfolio's allocation reflects a growth-oriented strategy with a higher risk profile, given its significant concentration in large-cap stocks and the technology sector.

Growth Info

Historically, this portfolio has exhibited a Compound Annual Growth Rate (CAGR) of 15.46%, with a maximum drawdown of -36.23%. These figures suggest a strong performance trend, albeit with notable volatility. The days contributing to 90% of returns being limited to just 14 indicates that the portfolio's gains are highly concentrated in a few periods of exceptional performance, underlining the importance of timing and market conditions in its success.

Projection Info

Using a Monte Carlo simulation, which projects future performance based on historical data, the portfolio shows a wide range of outcomes. The median projection suggests a 394.1% return, but with a significant spread, indicating potential for both high rewards and risks. It's crucial to understand that these projections are not guarantees but provide insight into the portfolio's volatility and potential growth.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely allocated to stocks, with no diversification into other asset classes like bonds or real estate. This allocation supports a high-growth strategy but also increases susceptibility to market fluctuations. Diversifying across different asset classes can mitigate risk and provide more stable returns over time.

Sectors Info

  • Technology
    25%
  • Financials
    18%
  • Consumer Discretionary
    12%
  • Industrials
    10%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

With 25% in technology and significant investments in financial services and consumer cyclicals, the portfolio is poised to benefit from growth in these sectors. However, this concentration also exposes it to sector-specific risks, such as regulatory changes or economic downturns affecting consumer spending.

Regions Info

  • North America
    90%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%

The geographic allocation is heavily skewed towards North America (90%), with minimal exposure to international markets. While this focus on the US market has historically offered strong returns, it also limits potential gains from global economic growth, particularly in emerging markets.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    27%
  • Mid-cap
    14%
  • Small-cap
    10%
  • Micro-cap
    10%

The portfolio's market capitalization exposure is diversified across mega, big, medium, small, and micro-cap stocks. This spread can provide a balance between stability offered by large-cap companies and the growth potential of smaller companies, though the emphasis remains on 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.

Considering the portfolio's current allocation, there's room for optimization towards achieving a better risk-return balance. Utilizing the Efficient Frontier concept could help in adjusting the asset allocation to enhance returns for a given level of risk, potentially by increasing diversification across asset classes and geographic regions.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.80%
  • Vanguard S&P 500 ETF 1.30%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.56%

With an overall dividend yield of 1.56%, the portfolio offers a modest income component, which can contribute to total returns, especially in volatile or bear markets. The higher yield from the Vanguard Total International Stock Index Fund ETF Shares indicates potential for income diversification through international exposure.

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) 0.08%

The portfolio benefits from low total expense ratios (TER), averaging 0.08%, which is favorable for long-term growth. Lower costs mean more of the investment's return is retained by the investor, a crucial factor in compounding growth over time.

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