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Strategically diversified growth-focused portfolio with an emphasis on global and US equities

Report created on Jul 9, 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 strong emphasis on equity investments, with 70% allocated to a global stock index and the remainder distributed among US-focused ETFs. The significant weight in the Vanguard Total World Stock Index Fund ETF Shares provides broad global exposure, while the selection of sector- and strategy-specific ETFs aims to capitalize on momentum, growth, and value within the US market. This composition suggests a growth-oriented strategy with a tilt towards large-cap and technology sectors, reflecting a higher risk tolerance and a pursuit of higher returns.

Growth Info

Historically, the portfolio has demonstrated robust performance with a Compound Annual Growth Rate (CAGR) of 15.16%. The maximum drawdown of -34.50% indicates a period of significant value decline, which is a crucial consideration for risk assessment. Notably, the days contributing 90% of returns were limited, highlighting the impact of short-term gains. This performance, compared against a diversified benchmark, suggests that the portfolio's risk-return profile may be attractive for growth-oriented investors, albeit with a tolerance for volatility.

Projection Info

Monte Carlo simulations, which use historical data to project future outcomes, show a wide range of potential portfolio values. The 50th percentile outcome suggests substantial growth, while the presence of 995 simulations out of 1,000 with positive returns underscores the portfolio's potential for significant gains. However, it's essential to remember that these projections are speculative and depend on past market behaviors, which may not predict future movements accurately.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is heavily skewed towards stocks (99%), with a minimal cash reserve (1%). This allocation underscores a growth-focused strategy but comes with higher market risk. Diversification across different asset classes could provide a buffer against stock market volatility, suggesting an opportunity to explore fixed-income investments or alternative assets for risk management.

Sectors Info

  • Technology
    25%
  • Financials
    18%
  • Consumer Discretionary
    12%
  • Industrials
    11%
  • Telecommunications
    9%
  • Health Care
    8%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector allocation highlights a strong preference for technology, financial services, and consumer cyclicals, which are sectors often associated with growth but also higher volatility. The underweight positions in defensive sectors like utilities and consumer staples suggest a portfolio strategy that may perform well in bull markets but could be sensitive to economic downturns. Balancing growth-oriented sectors with more stable, defensive sectors could enhance the portfolio's resilience.

Regions Info

  • North America
    75%
  • Europe Developed
    11%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

The geographic distribution shows a heavy concentration in North America (75%), with moderate exposure to developed European markets and minimal allocations to emerging markets and other regions. This concentration benefits from the stability and growth of developed markets but may miss out on the potential high growth in emerging markets. Diversifying geographically could reduce region-specific risks and tap into growth opportunities globally.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    29%
  • Mid-cap
    16%
  • Small-cap
    7%
  • Micro-cap
    4%

The portfolio's market capitalization breakdown reveals a focus on mega and big-cap stocks, which typically offer stability and lower volatility compared to their smaller counterparts. However, this focus might limit the portfolio's exposure to the potentially higher growth rates of small and micro-cap stocks. Incorporating a broader range of market caps could enhance diversification and growth potential.

Redundant positions Info

  • Vanguard Total World Stock Index Fund ETF Shares
    Schwab U.S. Large-Cap Growth ETF
    SPDR® Portfolio S&P 500 ETF
    High correlation

The high correlation observed among the Vanguard Total World Stock Index Fund ETF Shares, Schwab U.S. Large-Cap Growth ETF, and SPDR® Portfolio S&P 500 ETF indicates overlapping investments that may not provide significant diversification benefits. Reducing exposure to highly correlated assets can help achieve a more diversified portfolio, potentially lowering risk without sacrificing expected returns.

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.

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Before optimizing the portfolio, it's recommended to address the issue of overlapping assets to enhance diversification. The portfolio's current allocation on the Efficient Frontier could be improved by adjusting the asset mix to reduce correlation without compromising the growth objective. This process involves a careful review of each holding to ensure that it contributes to the portfolio's overall risk and return profile effectively.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • SPDR® Portfolio S&P 500 ETF 1.20%
  • Invesco S&P 500® Momentum ETF 0.60%
  • Vanguard Total World Stock Index Fund ETF Shares 1.80%
  • Weighted yield (per year) 1.56%

The portfolio's dividend yield stands at 1.56%, contributed by the individual ETFs' yields. While not the primary focus of a growth-oriented strategy, dividends can offer a steady income stream and potential for reinvestment. Given the portfolio's growth focus, the current yield is reasonable, but investors seeking income might explore options with higher dividend yields.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Weighted costs total (per year) 0.08%

With a total expense ratio (TER) of 0.08%, the portfolio is cost-efficient, minimizing the drag on returns due to fees. This low cost structure is commendable, as it allows more of the investment's return to compound over time. Investors should continue to monitor fees, as even small differences can have a significant impact over the long term.

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