Growth-oriented portfolio with a strong emphasis on technology and global equities

Report created on Aug 9, 2025

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 is well-suited for an investor with a growth-oriented mindset, comfortable with higher levels of risk for the potential of higher returns. Ideal for those with a long-term investment horizon, it caters to individuals who are less concerned with short-term volatility and more focused on capital appreciation. The investor likely has a moderate to high risk tolerance, allowing them to weather the market's ups and downs while staying invested in growth opportunities.

Positions

Your portfolio is heavily weighted towards the Vanguard Growth Index Fund ETF Shares, making up 70% of your holdings, with the remaining 30% in the Vanguard Total International Stock Index Fund ETF Shares. This allocation is indicative of a growth-focused strategy, leveraging the broader market's potential while maintaining a significant international exposure to diversify risks. The blend suggests a preference for capital appreciation over immediate income, aligning with a growth investment profile.

Growth Info

Historically, your portfolio has achieved a Compound Annual Growth Rate (CAGR) of 14.76%, with a maximum drawdown of -34.25%. These figures highlight the portfolio's strong performance over time, albeit with a notable level of volatility, as evidenced by the significant drawdown. It's crucial to remember that while past performance can offer insights, it doesn't guarantee future results, especially in a market environment that can change rapidly.

Projection Info

Monte Carlo simulations, utilizing historical data to forecast potential outcomes, suggest a wide range of future performance scenarios for your portfolio. With 978 out of 1,000 simulations showing positive returns, there's a strong indication of potential for continued growth. However, the broad spread between the 5th and 67th percentiles underscores the inherent uncertainties and risks in the market.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

The portfolio's allocation is almost entirely in stocks (99%), with a minimal cash holding (1%). This asset class distribution underpins the portfolio's growth orientation but comes with higher volatility and risk, especially in short-term market downturns. Diversifying across different asset classes could provide a buffer against market volatility while still allowing for growth.

Sectors Info

  • Technology
    40%
  • Consumer Discretionary
    13%
  • Financials
    11%
  • Telecommunications
    11%
  • Industrials
    8%
  • Health Care
    6%
  • Consumer Staples
    3%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Energy
    2%
  • Utilities
    1%

The sector allocation reveals a heavy emphasis on technology (40%), followed by consumer cyclicals and financial services. This concentration in technology and growth sectors is consistent with the portfolio's overall growth strategy but may increase susceptibility to sector-specific risks. Diversifying more evenly across sectors could mitigate some of this risk.

Regions Info

  • North America
    72%
  • Europe Developed
    12%
  • Asia Emerging
    5%
  • Japan
    5%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographic exposure is predominantly in North America (72%), with a balanced spread across developed and emerging markets internationally. This geographic distribution supports diversification, though the heavy North American focus may expose the portfolio to regional economic and political risks. Increasing exposure to underrepresented regions could enhance global diversification.

Market capitalization Info

  • Mega-cap
    60%
  • Large-cap
    25%
  • Mid-cap
    13%
  • Small-cap
    1%

The portfolio's market capitalization exposure is skewed towards mega (60%) and big (25%) cap stocks, which typically offer stability and less volatility than smaller companies. However, this concentration might limit potential high-growth opportunities in the medium and small-cap sectors, which could be considered for enhanced diversification and 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.

Considering the Efficient Frontier, your portfolio appears to be positioned for growth but may not be fully optimized for the best possible risk-return ratio. Rebalancing the asset allocation could potentially move the portfolio closer to the Efficient Frontier, optimizing the balance between risk and return without necessarily compromising on the growth objective.

Dividends Info

  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.12%

The dividend yield of the portfolio stands at 1.12%, reflecting the growth-focused nature of the investments over immediate income generation. While this aligns with a growth strategy, investors seeking income in addition to growth might consider reallocating a portion towards higher-yielding assets.

Ongoing product costs Info

  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.04%

The portfolio benefits from exceptionally low costs, with a Total Expense Ratio (TER) of just 0.04%. This efficient cost structure is commendable, as lower costs can significantly enhance long-term returns by minimizing the drag on performance.

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