A growth focused all stock portfolio with strong US tilt and balanced style tilts

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 ups and downs in pursuit of strong long‑term growth. They likely have a multi‑decade horizon, such as saving for retirement or building generational wealth, and are less dependent on the portfolio for near‑term spending. A moderate‑to‑high risk tolerance is important, since a pure stock portfolio can drop 30–40% in severe markets without being “broken.” This type of investor values low costs, broad diversification within stocks, and is okay with a US tilt while still wanting some international exposure. They tend to stick with their plan through downturns and may rebalance occasionally rather than trading frequently.

Positions

  • Vanguard Mega Cap Value Index Fund ETF Shares
    MGV - US9219108407
    24.17%
  • SPDR S&P 500 ETF Trust
    SPY - US78462F1030
    17.92%
  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    14.71%
  • Avantis® International Small Cap Value ETF
    AVDV - US0250728021
    10.53%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    9.88%
  • WisdomTree International Hedged Quality Dividend Growth Fund
    IHDG - US97717X5941
    9.47%
  • iShares Morningstar Mid-Cap Growth ETF
    IMCG - US4642883072
    6.66%
  • iShares Morningstar Mid-Cap Value ETF
    IMCV - US4642884062
    6.66%

This portfolio is a pure stock mix with no bonds or cash and a strong tilt to large US companies. It blends broad US exposure with extra slices of value small caps and international stocks, which adds some depth versus a plain market fund. Compared with a simple broad-market benchmark that mixes large mid and small caps in one fund, this setup is more hands-on but still coherent. Keeping everything in stocks boosts long‑term growth potential but also means bigger swings when markets drop. If stability or near‑term spending is important, gradually layering in a small buffer of lower‑volatility assets outside this core may help smooth the ride.

Growth Info

Historically this mix has delivered a very strong Compound Annual Growth Rate (CAGR) of 15.44%. CAGR is like your portfolio’s average “speed” per year over a long trip, smoothing out bumps. A hypothetical $10,000 would have grown far faster than a broad market benchmark in recent years, but that came with a -35.69% maximum drawdown, meaning big temporary losses along the way. The fact that 90% of returns came in just 20 days shows how concentrated gains can be, and why staying invested matters. Past results are impressive, but markets change; it’s smart to treat this as evidence of potential, not a guarantee.

Projection Info

The Monte Carlo simulation used 1,000 return paths based on historical patterns to estimate future possibilities. Monte Carlo basically “re-rolls the dice” on past ups and downs to see a range of outcomes. Here, the median (50th percentile) outcome of about 542.5% growth and an average simulated annual return around 16.39% show strong upside potential. Even the low 5th percentile at 72.1% suggests modest growth in many tougher scenarios, and only eight simulations ended negative. Still, simulations reuse history and can’t predict new shocks or regime shifts. It’s wise to treat these projections as rough weather maps and regularly check whether your goals and risk comfort still match this growth‑heavy approach.

Asset classes Info

  • Stocks
    100%
  • Cash
    0%
  • Other
    0%

Everything here is in one asset class: stocks. That makes the portfolio very growth‑oriented and simple to understand, but it also means no built‑in cushion from bonds or cash when markets fall. A benchmark “growth” portfolio might still keep some allocation in steadier assets to reduce volatility. The upside of your all‑equity stance is higher expected long‑term returns, especially over decades. The trade‑off is that even normal market drops can feel severe. If this structure is kept, it’s crucial to manage risk through time horizon and behavior: using a long holding period, avoiding panic selling in downturns, and possibly keeping emergency savings or shorter‑term money separate from this portfolio.

Sectors Info

  • Technology
    20%
  • Financials
    17%
  • Industrials
    15%
  • Consumer Discretionary
    11%
  • Health Care
    10%
  • Telecommunications
    7%
  • Energy
    6%
  • Consumer Staples
    6%
  • Basic Materials
    5%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is nicely spread across technology, financials, industrials, consumer areas, healthcare, and more, with no single sector looking wildly outsized. Tech around 20% is meaningful but not extreme versus common benchmarks, while financials and industrials are solid secondary weights. This balance is a strong point: your sector mix looks close to broad market norms, which supports diversification and reduces the risk of being tied to one theme. For example, a tech-heavy portfolio might be hit hard if interest rates spike, but your more even spread helps soften that. It’s worth checking once or twice a year that no single sector drifts too far ahead due to performance, and trimming back if it does.

Regions Info

  • North America
    81%
  • Europe Developed
    11%
  • Japan
    5%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Asia Developed
    0%
  • Asia Emerging
    0%
  • Latin America
    0%
  • Europe Emerging
    0%

Geographically, the portfolio is strongly tilted to North America at 81%, with moderate exposure to developed Europe and Japan and almost nothing in emerging markets. This US‑heavy stance has been rewarded over the last decade as US markets outperformed many peers. It also aligns closely with what many US‑based market‑cap benchmarks look like, which is a plus for familiarity and currency convenience. The trade‑off is more dependence on US economic and policy conditions. If you want broader global risk spreading, gradually increasing non‑US developed or select emerging markets could help. If you’re comfortable with a home bias and track US markets closely, this current split is reasonable but should still be revisited over time.

Market capitalization Info

  • Large-cap
    33%
  • Mega-cap
    26%
  • Mid-cap
    25%
  • Small-cap
    9%
  • Micro-cap
    5%

Market‑cap exposure is well layered: a strong base in mega and big companies, meaningful mid‑cap exposure, and smaller slices of small and micro caps. This is a nice alignment with diversified equity best practices; it mirrors how global markets are structured while adding a bit of extra small‑cap tilt. Larger companies tend to be more stable and easier to hold through volatility, while smaller ones add growth potential but can swing more. This blend helps balance risk and return better than going all‑in on either mega caps or tiny firms. It’s worth keeping an eye on whether small and micro caps drift much above comfort, since they can drive both upside and stress during rough markets.

Redundant positions Info

  • SPDR S&P 500 ETF Trust
    Schwab U.S. Large-Cap Growth ETF
    High correlation

There’s notable overlap between the S&P 500 ETF and the large‑cap growth ETF, which are highly correlated. Correlation measures how often investments move in the same direction; when it’s high, holding both doesn’t add much diversification. This overlap means a chunk of the portfolio may be doubling up on similar US large growth exposure without improving the overall risk profile. The current mix is still coherent, but trimming redundant positions and consolidating into fewer core holdings could simplify monitoring and make your style tilts (like value and small caps) more intentional. When adjusting, the key is keeping the overall risk level similar while reducing unnecessary duplication.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.50%
  • WisdomTree International Hedged Quality Dividend Growth Fund 1.80%
  • iShares Morningstar Mid-Cap Growth ETF 0.80%
  • iShares Morningstar Mid-Cap Value ETF 2.10%
  • Vanguard Mega Cap Value Index Fund ETF Shares 1.90%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • SPDR S&P 500 ETF Trust 1.10%
  • Weighted yield (per year) 1.52%

The total dividend yield around 1.52% is modest, which is normal for a growth‑tilted stock portfolio. Dividends are the cash payments companies make to shareholders and can be a steady component of total return, especially over long periods. Here, a lot of your return expectation comes from price growth rather than income, consistent with a growth profile. Some value and international funds provide higher yields, which adds a bit of balance. For someone not relying on current income, this structure works well. If in the future income needs rise, shifting a portion toward higher‑yielding holdings or adopting a payout‑focused sleeve could increase cash flow, while still keeping a core growth engine.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • WisdomTree International Hedged Quality Dividend Growth Fund 0.58%
  • iShares Morningstar Mid-Cap Growth ETF 0.06%
  • iShares Morningstar Mid-Cap Value ETF 0.06%
  • Vanguard Mega Cap Value Index Fund ETF Shares 0.07%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • SPDR S&P 500 ETF Trust 0.10%
  • Weighted costs total (per year) 0.17%

The average Total Expense Ratio (TER) of about 0.17% is impressively low for such a diversified ETF mix. TER is the annual fee you pay to fund managers, and even small differences compound over decades. Being well below many actively managed alternatives is a major strength, giving more of the portfolio’s gross returns back to you. A few funds sit on the higher side relative to the others, but they still look reasonable given their more specialized strategies. Keeping costs this tight strongly supports long‑term performance. Over time, it’s still worth comparing any higher‑fee holdings to lower‑cost alternatives with similar exposure to make sure each fee line is truly earning its keep.

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.

From a risk‑return perspective, this set of holdings looks broadly aligned with an Efficient Frontier idea, where “efficiency” means getting the most expected return for a given level of volatility using the current building blocks. Because all assets are equities, the main optimization levers are style (growth vs value), size (large vs small), and geography, plus cleaning up overlap. Reducing highly correlated duplicates and tightening around a smaller number of core funds could nudge the portfolio closer to that efficient mix without changing the overall stock‑heavy profile. Historical data and simulations help map this, but they’re backward‑looking, so it’s smart to reassess the mix periodically as markets and personal circumstances evolve.

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