A growth portfolio cosplaying as diversified while secretly mainlining US tech and small cap drama
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 portfolio fits someone who isn’t afraid of volatility, secretly enjoys a bit of market chaos, and is clearly playing a long game. It suggests goals like aggressive wealth building, maybe early retirement or big future spending, with a time horizon of at least 10–15 years. There’s a willingness to ride through ugly drawdowns, but also a slight overconfidence in equities always bailing things out. This is not for someone who panics at red days or needs stable income soon. It’d best suit a patient, numbers-driven type who can tolerate seeing -30% and still calmly mutter, “Cool, guess I’m buying more,” instead of rage-closing their brokerage app.
Positions
-
Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
Avantis® International Small Cap Value ETF
AVDV - US0250728021 10.00% -
Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
Fidelity® MSCI Information Technology Index ETF
FTEC - US3160928087 10.00%
Structurally this thing is 99% stocks and 1% "I guess we should hold some cash." It’s basically a growth rocket with a tiny paper parachute taped on. The core is sensible: big chunk of US large caps, decent slice of international, some small cap value spice, then an extra tech ETF just to flex. Compared with a plain global stock index, it’s tilted toward the US and extra growthy. If that’s intentional, fine; if not, this is accidental adrenaline. If more balance is the goal, think about adding something boring—bonds, cash-like, or other stabilizers—to keep future crashes from feeling like a freefall.
Growth
A 16.74% CAGR is “did the market forget gravity?” territory. CAGR (Compound Annual Growth Rate) is basically your average speed on a long road trip, ignoring the potholes. Starting with $10k, that kind of return over a decade-ish could easily land you north of $45k–$50k, which beats typical global equity benchmarks and most humans’ expectations. But that -35.4% max drawdown is the part everyone pretends not to see. That’s the "open your brokerage app and immediately close it again" experience. Past performance is yesterday’s weather: useful hint, not a prophecy. Testing how you’d feel in another -35% slide is more important than high-fiving the CAGR.
Projection
The Monte Carlo numbers are basically the market telling you, “This could be awesome… or not.” Monte Carlo is just running loads of what-if scenarios using historical-like randomness—like simulating 1,000 alternate timelines. A 5th percentile of 98% means in the really rough worlds you barely break even, while the median 729% and 67th percentile over 1,100% are “retire early and brag about it” outcomes. The 19% annualized across simulations is more optimistic than history deserves. Markets don’t care about spreadsheets, and future crashes won’t match the past. It’d be smart to plan spending and savings assuming lower returns and nastier drawdowns than the rosy median suggests.
Asset classes
- Stocks 99%
- Cash 1%
- Other 0%
- No data 0%
Asset classes here are basically: stocks, stocks, and… still stocks. With 99% in equities, this isn’t a portfolio, it’s an opinion about capitalism. There’s zero real ballast from bonds, real assets, or anything that usually dampens volatility. That’s great if the time horizon is long and nerves are made of reinforced steel, but brutal if big drops trigger panic selling. Asset classes are like food groups: you can live on caffeine and sugar for a while, but it’s not a balanced diet. If smoother ride matters at all, even a modest allocation to something less dramatic would take the edge off without totally killing growth.
Sectors
- Technology 31%
- Financials 15%
- Industrials 11%
- Consumer Discretionary 11%
- Health Care 7%
- Telecommunications 7%
- Basic Materials 5%
- Energy 5%
- Consumer Staples 4%
- Utilities 2%
- Real Estate 2%
Tech addiction detected: 31% in technology plus extra small cap value and the S&P 500 means a lot of earnings are riding on innovation not face-planting. Financials, industrials, consumer cyclicals—those are beefed up too, which makes this very economically sensitive. Defensives like utilities and consumer staples are token background characters at 2–4%. Compared with broad global indexes, this has more “boom when things are good, sulk when things are bad” energy. Sector tilt is fine if it’s intentional, but it can turn into a hidden bet. Dialing down the dedicated tech exposure or balancing with more boring sectors would help if the goal is not living and dying by the next rate-hike headline.
Regions
- 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%
“America or bust” is the vibe here: 72% North America, with Europe, Japan, and the rest getting side roles. At least there is actual global exposure—this isn’t pure home-country tunnel vision—but it’s still anchored heavily to the US. That’s been a winning bias for the last decade, but leadership rotates, and one day non-US markets might remember how to exist. Geographic spread matters because different regions mess up at different times. A rough US decade with this setup would sting more than necessary. If a smoother global ride is the goal, nudging the non-US slice up a bit over time could keep this from living or dying with the S&P’s mood swings.
Market capitalization
- Mega-cap 37%
- Large-cap 26%
- Mid-cap 19%
- Small-cap 11%
- Micro-cap 6%
The market cap mix is actually one of the smarter-looking parts, almost annoyingly so. Mega and big caps are the main course (63%), but you’ve sprinkled in 19% mid, 11% small, and even 6% micro. That’s enough to get both stability and chaos in one package. Size tilts like this can boost long-term returns but make drawdowns nastier—small and micro caps are the last ones invited to recover after a crash. Market cap is basically “how big a company is”; betting more on smaller ones is like betting on scrappy underdogs. If volatility feels too spicy, slowly trimming the small/micro tilt could calm future whiplash without totally killing upside.
Dividends
- Avantis® International Small Cap Value ETF 2.70%
- Avantis® U.S. Small Cap Value ETF 1.40%
- Fidelity® MSCI Information Technology Index ETF 0.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.90%
- Weighted yield (per year) 1.58%
A 1.58% total yield is “we pay you, but don’t get excited” territory. That’s normal for a growth-tilted equity mix, especially with heavy US large caps and tech, which prefer reinvesting profits to handing out generous checks. Dividends are just the cash companies pay you for owning their stock, but relying on them alone here would be painful—this setup is clearly built for capital growth, not income. That’s fine if the plan is to sell shares later. If future income is the goal, there’d eventually need to be a shift toward higher-yielding, more defensive stuff, or at least a strategy for turning this growth engine into a paycheck machine.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Fidelity® MSCI Information Technology Index ETF 0.08%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.09%
Costs are suspiciously good. A 0.09% total expense ratio is the financial equivalent of finding out the fancy restaurant is actually cheap. TER (Total Expense Ratio) is what you pay yearly to keep the funds running, and you’ve mostly stuck to low-cost, broad ETFs with only a mild splurge on the Avantis funds. Versus the average active fund circus at 0.6–1%+, this is lean. Low costs don’t guarantee success, but they stop quiet bleeding in the background. Just don’t get tempted by shiny, pricey, “smart” products later; they usually just transfer money from your pocket to someone else’s marketing department.
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 risk versus return, this thing is efficient for what it is: an aggressive, growth-leaning equity stack. “Efficient” here just means the return seems reasonable for the level of stomach-churning risk taken, not magic free returns. But that -35% historical drawdown and high equity concentration suggest you’re definitely not leaving risk on the table. If the goal truly is long-term growth and volatility doesn’t cause emotional damage, this sits in a rational place on the risk–return spectrum. If sleep quality matters more than bragging rights, shifting a slice into stabilizers—bonds, cash-like, or lower-volatility assets—would move it closer to a more comfortable point on that imaginary Efficient Frontier curve.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
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.
