A growth tilted stock portfolio with strong diversification and a notable technology overweight

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

What type of investor this portfolio is suitable for

Growth Investors

This setup fits an investor who is comfortable with meaningful market swings and is focused on long term growth rather than short term stability. They likely have a multi decade horizon, such as saving for retirement or building generational wealth, and can tolerate large temporary drawdowns without panicking. Goals may center on maximizing wealth through global stock exposure with thoughtful tilts toward areas believed to offer higher returns over time. This investor accepts that there is very little downside protection from bonds or cash, relying instead on time in the market, diversification within stocks, and disciplined rebalancing to ride out volatility.

Positions

  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    35.00%
  • Vanguard Information Technology Index Fund ETF Shares
    VGT - US92204A7028
    20.00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    20.00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    15.00%
  • Avantis® International Small Cap Value ETF
    AVDV - US0250728021
    10.00%

This portfolio is almost entirely in stocks, with five broad ETFs covering total markets plus focused tilts. The largest piece tracks a broad domestic market, with meaningful slices in technology, international stocks, and small cap value. Compared with a typical growth benchmark, this setup is more concentrated in stocks and a bit lighter on defensive assets like bonds or cash. That matters because it increases both long term growth potential and short term swings. Keeping this kind of structure on track usually means sticking with regular rebalancing, using new contributions or small trades to keep each ETF close to its target percentage over time.

Growth Info

Historically, a 10,000 dollar starting investment growing at a 17.32 percent compound annual growth rate (CAGR) would have multiplied several times over a typical decade. CAGR is just the “average yearly speed” your money has grown, smoothing out ups and downs. That said, a max drawdown of about minus 36 percent shows it has also seen big temporary drops, which is normal for growth heavy portfolios. This outcome compares favorably with many broad stock benchmarks, which is a strong sign the mix has been effective. Still, past returns are not a promise, so it helps to plan emotionally and financially for similar future swings.

Projection Info

The Monte Carlo analysis, which runs 1,000 simulated futures using patterns from historical data, points to a wide range of outcomes. A 5th percentile result around 89.1 percent means a bad case roughly breaks even or slightly loses over the full period, while the median path reaches over 7 times the starting value. An average simulated annual return near 19 percent reflects how strong the historical data has been. Monte Carlo is useful because it shows many paths, not just one line. Still, it assumes that future markets behave somewhat like the past, which is never guaranteed, so these results are best seen as rough navigation tools, not precise forecasts.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%
  • Other
    0%
  • No data
    0%

The allocation is essentially 99 percent stock and 1 percent cash, with no meaningful exposure to bonds or other assets. This stock heavy setup is typical for growth focused investors who accept more volatility for higher return potential. The upside is strong participation in equity markets across many segments. The tradeoff is that there is little buffer in sharp market downturns, so portfolio value can swing significantly. This allocation is well balanced within stocks and aligns closely with global standards for equity diversification, but it may be helpful to think through whether any stabilizing assets are desired later as goals approach or circumstances change.

Sectors Info

  • Technology
    36%
  • Financials
    15%
  • Industrials
    11%
  • Consumer Discretionary
    10%
  • Health Care
    6%
  • Energy
    5%
  • Telecommunications
    5%
  • Basic Materials
    5%
  • Consumer Staples
    4%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is broad, covering all major areas, but there is a clear tilt toward technology at about 36 percent. Financials, industrials, consumer cyclicals, and healthcare form a solid secondary layer, which supports diversification across different parts of the economy. This kind of tech emphasis often helps during innovation driven bull markets, but it can feel bumpier during periods of higher interest rates or when growth stocks fall out of favor. Still, the presence of more cyclical and value oriented areas keeps the portfolio from being one dimensional. Your portfolio’s sector composition matches benchmark data, which is a strong indicator of diversification despite the tech tilt.

Regions Info

  • North America
    72%
  • Europe Developed
    11%
  • Japan
    6%
  • Asia Emerging
    3%
  • Asia Developed
    3%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Europe Emerging
    0%

Geographically, around 72 percent exposure to North America with the rest spread across developed Europe, Japan, and smaller allocations to emerging regions is broadly in line with global equity benchmarks. This home bias toward the US has been helpful in the last decade given strong domestic market performance. The remaining international exposure adds currency and economic diversification, which can matter when different regions cycle at different times. The current balance is well aligned with common global standards. Over time, some investors choose to dial international exposure slightly up or down, but the existing mix already provides a solid global footprint without becoming overly complex.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    22%
  • Mid-cap
    18%
  • Small-cap
    16%
  • Micro-cap
    9%

Market capitalization is spread across mega, large, mid, small, and micro caps, with roughly a third in the very largest companies and a substantial 25 percent across small and micro caps. This is more diversified by size than many standard benchmarks, which often lean heavier into mega caps. Smaller companies can offer higher growth and value opportunities but usually with more volatility and bigger swings in sentiment. The inclusion of dedicated small cap value funds enhances this size tilt, supporting long term return potential. This allocation is well balanced and aligns closely with global standards while still adding a thoughtful twist toward smaller, cheaper companies.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.00%
  • Avantis® U.S. Small Cap Value ETF 1.50%
  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.10%
  • Weighted yield (per year) 1.61%

The overall dividend yield of about 1.61 percent is modest, which fits a growth oriented stock portfolio. Yield comes mainly from the international total market and the international small cap value fund, with smaller contributions from the domestic holdings. Dividends can act like a “paycheck” from investments, but here they are more of a bonus than the main event. For long term growth, reinvesting these payouts back into the portfolio can compound returns over time. This balance between dividend income and growth focus makes sense for investors prioritizing wealth building rather than near term cash flow needs or high income distributions.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.11%

Total ongoing costs around 0.11 percent per year are impressively low, especially given the inclusion of more specialized small cap value strategies. Expense ratios represent the annual fee charged by funds, and shaving even a fraction of a percent can noticeably boost long term outcomes through compounding. The heavy use of broad, low cost index ETFs keeps overall expenses down while still allowing for targeted tilts where fees are slightly higher. The costs are impressively low, supporting better long term performance. Keeping an eye on new lower cost options periodically can help maintain this edge without significantly changing the core structure.

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.

On a risk versus return basis, this portfolio sits on the aggressive side of the Efficient Frontier for all stock mixes. The Efficient Frontier is the set of portfolios that deliver the best possible return for a given level of volatility using just the current building blocks. With your mix of broad and tilted ETFs, minor adjustments between technology, small cap value, and broad market funds could shift the balance slightly toward either lower risk or potentially higher expected return. Here, “efficiency” simply refers to that risk return tradeoff, not necessarily to diversification, taxes, or personal comfort, which also matter a lot.

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