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Growth-oriented portfolio with a strong tech focus and limited international exposure

Report created on Jul 4, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is heavily weighted towards technology and growth-oriented ETFs, with significant positions in the Vanguard S&P 500 ETF, Fidelity® MSCI Information Technology Index ETF, and Vanguard Growth Index Fund ETF Shares. The allocation towards U.S. equities is notably high, with minimal exposure to international and emerging markets. This composition suggests a strategy focused on capitalizing on the growth potential of the technology sector and the overall U.S. stock market.

Growth Info

Historically, the portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 16.28%, with a maximum drawdown of -29.87%. The days contributing most to returns are relatively few, indicating that the portfolio's performance has been driven by strong market days. Comparing these figures to benchmarks could help assess performance relative to market averages, bearing in mind that past performance is not indicative of future results.

Projection Info

Monte Carlo simulations, which use historical data to forecast future outcomes, show a wide range of potential returns for this portfolio, with a median projected growth of 506.4%. However, it's crucial to remember that these projections are hypothetical and should be taken with caution. They can serve as a guide for potential outcomes but are not guarantees.

Asset classes Info

  • Stocks
    100%

The portfolio is entirely invested in stocks, with no allocation to cash, bonds, or other asset classes. This allocation aligns with a growth-focused strategy but lacks diversification across asset classes, which could mitigate risk during market downturns. A more balanced approach might include a mix of asset classes to reduce volatility.

Sectors Info

  • Technology
    53%
  • Financials
    9%
  • Consumer Discretionary
    9%
  • Telecommunications
    8%
  • Health Care
    7%
  • Industrials
    5%
  • Consumer Staples
    3%
  • Energy
    2%
  • Real Estate
    2%
  • Utilities
    1%
  • Basic Materials
    1%

The technology sector dominates the portfolio, representing over half of the total allocation. While the tech sector has historically provided substantial growth opportunities, this heavy concentration increases the portfolio's vulnerability to sector-specific risks. Diversifying across more sectors could help manage this risk.

Regions Info

  • North America
    97%
  • Asia Emerging
    1%
  • Europe Developed
    1%

With 97% of assets allocated to North America, the portfolio's geographic exposure is highly concentrated. This focus on the U.S. market has likely contributed to its robust performance but also exposes it to regional economic and political risks. Increasing exposure to international markets could provide diversification benefits.

Market capitalization Info

  • Mega-cap
    51%
  • Large-cap
    29%
  • Mid-cap
    15%
  • Small-cap
    4%
  • Micro-cap
    1%

The portfolio's emphasis on mega and large-cap stocks suggests a preference for established companies, which typically offer stability and consistent returns. However, including more mid to small-cap stocks could enhance growth potential and diversification, albeit with higher volatility.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    Fidelity® MSCI Information Technology Index ETF
    Vanguard Growth Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    High correlation

The high correlation among the portfolio's largest holdings, particularly within U.S. equities and technology-focused ETFs, limits its diversification benefits. Diversifying holdings to include less correlated assets could reduce risk and improve the portfolio's overall performance during various market conditions.

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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The portfolio could benefit from an optimization process that addresses the high correlation among its holdings. By strategically reallocating assets to reduce overlap and enhance diversification, the investor could achieve a more efficient risk-return profile, potentially moving closer to the Efficient Frontier.

Dividends Info

  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 2.70%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Growth Index Fund ETF Shares 0.50%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 0.87%

The portfolio's average dividend yield is moderate, with certain ETFs offering higher yields. While dividends contribute to total returns, the focus on growth stocks and ETFs means dividend income is not the primary goal. Investors seeking income might consider a higher allocation to assets with substantial dividend yields.

Ongoing product costs Info

  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard FTSE All-World ex-US Index Fund ETF Shares 0.07%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.05%

The overall portfolio costs, reflected by the Total Expense Ratios (TERs) of the included ETFs, are impressively low, averaging 0.05%. This cost efficiency supports better long-term performance by minimizing the drag on returns. Keeping costs low is a prudent strategy for any investment portfolio.

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