Balanced growth-focused portfolio with a strong tilt towards US equities and technology

Report created on Jul 21, 2025

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

Your portfolio is heavily weighted towards US equities, with a significant focus on the technology sector, given the high allocations to the Vanguard S&P 500 ETF and Invesco NASDAQ 100 ETF. This composition suggests a strategy aiming for growth through large-cap US stocks, particularly in tech. While the inclusion of the Schwab U.S. Dividend Equity ETF and Vanguard Total International Stock Index Fund ETF Shares introduces some diversification, the overall portfolio remains predominantly US-centric and technology-oriented.

Growth Info

The historical performance, with a Compound Annual Growth Rate (CAGR) of 14.69%, is impressive, especially considering the relatively moderate maximum drawdown of -25.71%. This suggests that the portfolio has managed to capture significant upside during bullish market periods while somewhat mitigating losses during downturns. The days contributing to 90% of returns highlight the impact of short-term significant gains, which is characteristic of growth-focused strategies.

Projection Info

Monte Carlo simulations project a wide range of outcomes, with a median increase of 462.0% in portfolio value, indicating potential for substantial growth. However, the wide spread between the 5th and 67th percentiles underscores the inherent volatility and risk. These projections, while useful for setting expectations, should be interpreted with caution as they rely on historical data, which may not always predict future performance accurately.

Asset classes Info

  • Stocks
    100%

Your portfolio's exclusive investment in stocks, with no allocations to bonds, cash, or alternative assets, positions it for high growth potential but also exposes it to higher volatility. This asset class concentration aligns with a growth-oriented strategy but lacks the cushioning effect that fixed income or other diversifying assets could provide during market downturns.

Sectors Info

  • Technology
    33%
  • Financials
    12%
  • Consumer Discretionary
    11%
  • Telecommunications
    10%
  • Health Care
    9%
  • Industrials
    8%
  • Consumer Staples
    7%
  • Energy
    4%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

The sectoral allocation further emphasizes the growth focus, with a third of the portfolio in technology. Financial services, consumer cyclicals, and communication services also have significant representation, supporting the portfolio's growth orientation. However, this sector concentration may increase susceptibility to sector-specific risks.

Regions Info

  • North America
    90%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%

Geographically, the portfolio's 90% allocation to North America, primarily the US, reflects a strong bias towards domestic equities. While the 10% international exposure introduces some global diversification, the portfolio may benefit from increasing its allocation to developed European markets, Asia, or emerging markets to enhance global exposure and potentially reduce geographic risk.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    36%
  • Mid-cap
    18%
  • Small-cap
    1%

The emphasis on mega and big-cap stocks (79% combined) suggests a preference for stability and established companies, which is typical for growth-focused portfolios seeking to mitigate risk while pursuing significant returns. However, the minimal exposure to small and micro-cap stocks limits opportunities for outsized gains from smaller, faster-growing companies.

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.

Considering the Efficient Frontier, your portfolio appears to be positioned for high returns but with considerable risk, given its heavy equity concentration and sector biases. Adjusting the asset allocation to include lower-correlation assets or diversifying across more sectors and geographies could potentially move the portfolio towards a more optimal risk-return balance.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.80%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.48%

The portfolio's average dividend yield of 1.48% contributes to its total return, with the Schwab U.S. Dividend Equity ETF offering a substantial yield boost. While the focus is clearly on growth, dividends provide a steady income stream and can offer some cushion during market dips.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

The portfolio benefits from low total expense ratios (TER), averaging 0.06%, which is excellent for maximizing long-term returns. Keeping costs low is crucial in enhancing net returns, and your ETF selections demonstrate a cost-effective approach to investing.

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