Growth-focused portfolio with heavy tech exposure and low costs

Report created on Aug 15, 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 structured around major ETFs, with a significant emphasis on technology through the Invesco QQQ Trust, and broad market exposure via the Vanguard S&P 500 ETF and Vanguard Total International Stock Index Fund ETF Shares. The addition of Beam Therapeutics Inc, a biotech company, introduces a higher-risk, higher-reward element. This composition suggests a strategy aiming for growth, leveraging the stability of broad market indices while seeking additional gains from the tech sector and innovative biotech space.

Growth Info

Historically, this portfolio has shown a Compound Annual Growth Rate (CAGR) of 16.72%, with a significant drawdown of -32.80%. The performance highlights the portfolio’s aggressive growth nature, capable of substantial returns but not without considerable risk, as evidenced by the drawdown. The days contributing to 90% of returns being limited to just 15 indicates that the portfolio's returns are highly concentrated, underscoring the importance of timing in investment decisions.

Projection Info

Monte Carlo simulations, which use historical data to project a range of possible outcomes, show a wide dispersion in potential returns for this portfolio, from a 5th percentile outcome of -72.4% to a 67th percentile outcome of 710.3%. This underscores the high-risk, high-reward nature of the portfolio, with a significant portion of simulations resulting in positive returns, suggesting potential for substantial growth albeit with considerable volatility.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio is almost entirely composed of stocks (99%), with a minimal cash holding. This asset class allocation is typical for growth-oriented investors seeking higher returns, albeit with increased exposure to market fluctuations. The lack of bonds or other fixed-income securities means the portfolio may lack cushioning during stock market downturns.

Sectors Info

  • Technology
    34%
  • Health Care
    12%
  • Consumer Discretionary
    11%
  • Financials
    11%
  • Telecommunications
    10%
  • Industrials
    8%
  • Consumer Staples
    5%
  • Basic Materials
    3%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    2%

The sector allocation is heavily weighted towards technology, healthcare, and consumer cyclicals, aligning with a growth-focused investment strategy. This concentration in high-growth sectors can lead to higher volatility, especially during market corrections or when sector-specific headwinds arise. Diversifying into more defensive sectors may provide balance during turbulent times.

Regions Info

  • North America
    76%
  • Europe Developed
    10%
  • Asia Emerging
    4%
  • Japan
    4%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

With 76% of assets in North America and significant allocations to developed Europe and emerging Asia, the portfolio has a strong foundation in established markets while maintaining some exposure to the growth potential of emerging markets. This geographic distribution supports diversification, though the portfolio may benefit from increased exposure to underrepresented regions for additional global diversification.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    31%
  • Mid-cap
    14%
  • Small-cap
    6%

The emphasis on mega and big-cap stocks (78% combined) suggests a focus on stability and growth potential of large, established companies. However, the presence of medium and small-cap stocks adds a layer of growth potential and risk. Balancing market cap exposure can help manage risk while capturing growth across different segments of the market.

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 shows a well-considered approach to risk vs. return, aiming for high growth with a calculated acceptance of risk. While the Efficient Frontier suggests this portfolio is near optimal for its current composition, exploring diversification options could potentially offer a more favorable risk-return balance, especially in terms of sector and geographic exposure.

Dividends Info

  • Invesco QQQ Trust 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.27%

The portfolio's dividend yield stands at 1.27%, with the highest yield from the Vanguard Total International Stock Index Fund ETF Shares. While dividends contribute to total return, the primary focus here appears to be on capital appreciation. Investors seeking income may need to adjust the portfolio to include higher-yielding assets.

Ongoing product costs Info

  • Invesco QQQ Trust 0.20%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.09%

The portfolio benefits from low costs, with a total expense ratio (TER) of 0.09%. Low costs are crucial for long-term growth, as they directly enhance net returns. This cost efficiency is a strong aspect of the portfolio, ensuring that more of the investment returns are retained by the investor.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey