This portfolio has only about 1.6 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

A growth-focused portfolio with heavy US stock market exposure and a unique position in Bitcoin

Report created on Aug 11, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

This portfolio is predominantly invested in US equities, with a significant 75% allocation to a broad market ETF, complemented by targeted exposures to small-cap value and large-cap growth ETFs. The inclusion of a 5% position in a Bitcoin ETF introduces an alternative asset class, albeit with a higher risk profile. The portfolio's heavy tilt towards equities, particularly within the US market, underscores its growth-oriented strategy. However, the singular focus on stocks and cryptocurrencies, with no allocation to fixed income or international equities, limits diversification.

Growth Info

Historically, this portfolio has exhibited a Compound Annual Growth Rate (CAGR) of 22.54%, a figure that is notably high, reflecting the strong performance of US equities and potentially the Bitcoin position in recent years. The maximum drawdown of -20.51% suggests periods of significant volatility, likely exacerbated by the portfolio's concentrated exposure to high-growth sectors and the inherent volatility of cryptocurrency. The days contributing to 90% of returns being limited suggests that the portfolio's performance is heavily reliant on a few exceptional periods.

Projection Info

Monte Carlo simulations, using historical data to project future outcomes, indicate a wide range of potential portfolio values, with the median outcome suggesting substantial growth. However, it's crucial to remember that these simulations are based on past performance, which is not a reliable indicator of future results. The high annualized return projection from all simulations reflects the portfolio's aggressive growth orientation but also underscores the associated risk levels.

Asset classes Info

  • Stocks
    95%
  • Other
    5%

The portfolio's asset class allocation is heavily skewed towards stocks (95%), with a small portion in alternative investments via the Bitcoin ETF (5%). This composition aligns with a growth-focused strategy but offers limited protection against stock market downturns. The absence of fixed income or cash holdings exacerbates this risk, as these asset classes can provide stability and income, potentially reducing overall portfolio volatility.

Sectors Info

  • Technology
    29%
  • Financials
    14%
  • Consumer Discretionary
    11%
  • Industrials
    9%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    2%

Sector allocations reveal a strong emphasis on technology, financial services, and consumer cyclicals, sectors often associated with higher growth prospects. This concentration enhances the portfolio's growth potential but also increases its susceptibility to sector-specific downturns. Diversifying across a broader range of sectors could help mitigate this risk while still allowing for significant growth opportunities.

Regions Info

  • North America
    94%

With 94% of assets allocated to North America, the portfolio's geographic exposure is highly concentrated. This focus on the US market has likely contributed to the portfolio's strong historical performance but also exposes it to regional economic and political risks. Expanding geographic diversification, especially into developed and emerging markets outside the US, could provide additional growth avenues and reduce risk.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    25%
  • Mid-cap
    16%
  • Small-cap
    10%
  • Micro-cap
    7%

The market capitalization breakdown shows a balanced exposure across mega, big, medium, small, and micro-cap stocks. This diversity within the equity component is positive, as it spreads risk and potential for growth across companies of varying sizes. However, the overall portfolio risk is still significant due to the high equity concentration and the speculative nature of the Bitcoin investment.

Redundant positions Info

  • Schwab U.S. Large-Cap Growth ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The high correlation observed between the large-cap growth ETF and the broad market ETF suggests redundancy, limiting the portfolio's diversification benefits. This overlap means that both positions are likely to react similarly to market movements, which could amplify losses during downturns. Reducing overlap by reallocating assets could enhance portfolio diversification without significantly compromising growth potential.

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.

Optimizing the portfolio along the Efficient Frontier could improve its risk-return profile. Currently, the high correlation between certain assets suggests an opportunity to enhance diversification without sacrificing expected returns. By adjusting allocations to reduce overlap and potentially introducing new asset classes or regions, the portfolio could achieve a more favorable balance between risk and return.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Weighted yield (per year) 1.11%

The portfolio's overall dividend yield of 1.11% indicates a modest income component, which is typical for growth-oriented portfolios that prioritize capital appreciation over income. While dividends contribute to total returns, the primary focus here is clearly on asset value growth. Investors seeking income might consider increasing allocations to higher-yielding assets.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Bitcoin Trust 0.12%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.06%

The portfolio's total expense ratio (TER) of 0.06% is impressively low, enhancing its long-term return potential by minimizing cost drag. This efficiency is particularly noteworthy given the inclusion of a specialized asset class through the Bitcoin ETF, which often carries higher fees. Keeping costs low is a fundamental principle of successful investing, and this portfolio aligns well with that strategy.

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