A growth-focused portfolio with strong US and international ETFs and high diversification

Report created on Jul 30, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is heavily weighted towards ETFs, with a significant 58.15% in the Schwab U.S. Broad Market ETF and a 19.57% stake in the Vanguard Total International Stock Index Fund ETF Shares. This structure suggests a strategic focus on capturing the broad market returns of both the US and international stocks. The inclusion of Avantis® U.S. Small Cap Value ETF and Avantis® International Small Cap Value ETF, accounting for 11.61% and 10.67% respectively, indicates an emphasis on value stocks in both the US and international markets. This composition aligns with a growth-oriented strategy aiming for long-term capital appreciation.

Growth Info

Historically, the portfolio has demonstrated a Compound Annual Growth Rate (CAGR) of 14.85%, with a maximum drawdown of -36.75%. These figures suggest a strong performance relative to the inherent risks, as evidenced by a relatively high risk score of 5 out of 7. The concentration on broad market and value ETFs has likely contributed to this robust growth. However, the significant drawdown highlights the portfolio's exposure to market volatility, a common trait in growth-focused investments aiming for higher returns.

Projection Info

Using Monte Carlo simulations, which project future portfolio performance based on historical data, we see a wide range of outcomes. The median projection suggests a 385.4% increase, with the majority of simulations (967 out of 1,000) indicating positive returns. This analysis underscores the potential for substantial growth but also highlights the uncertainty inherent in stock market investments. Investors should consider these projections as one of many tools, keeping in mind that past performance is not indicative of future results.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's asset allocation is heavily skewed towards stocks (99%), with a minimal cash holding (1%). This allocation is consistent with the portfolio's growth orientation but comes with higher volatility and risk. The absence of bonds or other asset classes means the portfolio may lack the diversification benefits these could provide, potentially leading to greater swings in value in response to market changes.

Sectors Info

  • Technology
    23%
  • Financials
    18%
  • Industrials
    13%
  • Consumer Discretionary
    12%
  • Health Care
    8%
  • Telecommunications
    7%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    5%
  • Real Estate
    2%
  • Utilities
    2%

Sector allocation is concentrated in Technology (23%), Financial Services (18%), and Industrials (13%), with lesser allocations across other sectors. This sector spread is typical for growth-oriented portfolios, especially with the heavy emphasis on technology, a sector known for its high growth potential but also for its volatility. Balancing these sectors with more defensive ones like Healthcare or Consumer Defensive could provide a buffer during market downturns.

Regions Info

  • North America
    72%
  • Europe Developed
    12%
  • Japan
    7%
  • Asia Emerging
    3%
  • Asia Developed
    2%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic exposure is predominantly North American (72%), with significant investments in developed European markets (12%) and Japan (7%). Emerging markets are underrepresented, which may limit exposure to high-growth regions. While the current allocation benefits from the stability of developed markets, incorporating a greater share of emerging markets could enhance growth prospects and diversification.

Market capitalization Info

  • Mega-cap
    33%
  • Large-cap
    24%
  • Mid-cap
    20%
  • Small-cap
    14%
  • Micro-cap
    8%

The portfolio's market capitalization exposure is diversified across mega (33%), big (24%), medium (20%), small (14%), and micro (8%) caps. This spread suggests a balanced approach to capturing growth across different company sizes, with a tilt towards larger companies likely providing stability and smaller companies offering 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.

The current allocation appears well-positioned on the Efficient Frontier, suggesting an optimal risk-return ratio based on historical performance. However, investors should periodically review their portfolio to ensure it remains aligned with their risk tolerance and investment goals, considering market changes and personal circumstances.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.80%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • Schwab U.S. Broad Market ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.85%

The portfolio's dividend yield stands at 1.85%, with individual ETF yields ranging from 1.20% to 3.80%. While not the primary focus of a growth-oriented strategy, dividends contribute to total returns and provide a source of income, which can be reinvested for compound growth. The varied yields across the ETFs reflect the balance between growth and value investments, with value-oriented ETFs typically offering higher dividends.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Schwab U.S. Broad Market ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.09%

The portfolio's total expense ratio (TER) of 0.09% is impressively low, enhancing its long-term return potential by minimizing costs. The range of individual ETF costs from 0.03% to 0.36% reflects a strategic choice to prioritize cost-efficiency, which is particularly important in a growth-focused portfolio where every percentage point of return matters.

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