A growth tilted stock heavy portfolio with strong US bias and low ongoing investment costs

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 in pursuit of higher long-term growth. They likely have a multi-decade horizon, such as saving for retirement, and can tolerate temporary drops of 30% or more without abandoning the plan. Goals might include building substantial wealth over time rather than seeking regular income. This person is usually okay with a heavy equity tilt, understands that short-term volatility is the price of long-term return, and prefers broad, low-cost funds to complex trading. They value diversification across sectors and regions but are fine with a deliberate bias toward the domestic market they know best.

Positions

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    60.00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    15.00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    15.00%
  • SPDR® Portfolio S&P 600 Small Cap ETF
    SPSM - US78468R8530
    10.00%

This portfolio is almost entirely in stocks, with a big core in a broad US index, smaller tilts to US small caps, and a meaningful slice in international shares. Compared with a typical balanced benchmark that might hold a mix of stocks and bonds, this setup is clearly geared toward growth over stability. That matters because stock-only portfolios can grow faster over long periods but also swing more day to day. For someone wanting to keep the growth focus while softening volatility, blending in a small portion of defensive assets could make the ride smoother without fully changing the growth profile. Staying disciplined with this structure through cycles is key.

Growth Info

Using a simple example, if someone had put $10,000 into a mix like this and earned roughly a 16% Compound Annual Growth Rate (CAGR), that money could have grown to around $44,000 over 10 years. CAGR is like the “average speed” of growth, smoothing out the bumps along the way. The tradeoff is clear from the max drawdown of about -36%, meaning at one point the value could have dropped roughly a third from a peak. That kind of fall is normal for equity-heavy portfolios but emotionally tough. It’s important to remember that historical returns are not a promise, just a guide to how this mix behaved in past markets.

Projection Info

The Monte Carlo results use history-based simulations to map a range of possible futures, like rolling the dice 1,000 times with realistic odds. An annualized return near 17% across simulations and a median outcome above 500% growth shows very strong upside potential, consistent with a growth-heavy stock allocation. However, the 5th percentile outcome around 40% total growth over the full period shows that disappointing paths are still possible. Monte Carlo relies on past volatility and relationships between assets, which may change, so it should be seen as a rough weather forecast, not a guarantee. Treat these projections as scenario planning and sanity checks rather than precise predictions.

Asset classes Info

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

With about 99% in stocks and essentially nothing in bonds or cash, the asset-class mix is unapologetically aggressive. Compared with more traditional portfolios that blend stocks and safer assets, this leans hard into long-term growth potential at the cost of bigger swings and deeper temporary losses. The positive side is that for long horizons, a stock-heavy approach has historically beaten more conservative mixes. The flip side is that it demands emotional resilience, especially during sharp downturns. Someone wanting to keep the growth engine running but reduce gut-wrenching volatility could gradually layer in a modest slice of lower-risk assets over time, especially as big life goals get closer.

Sectors Info

  • Technology
    26%
  • Financials
    17%
  • Consumer Discretionary
    12%
  • Industrials
    11%
  • Health Care
    9%
  • Telecommunications
    8%
  • Energy
    5%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Real Estate
    2%
  • Utilities
    2%

Sector exposure is broad across all major parts of the economy, with meaningful weights in technology, financials, consumer companies, industrials, and healthcare. This spread is very much in line with common broad-market benchmarks and signals healthy diversification across business types. A notable tilt toward growth-linked areas such as technology can mean stronger gains when innovation and risk appetite are rewarded, but sharper drops when interest rates rise or growth fears appear. The good news is that no single sector dominates to an extreme degree, which is a strong sign of balance. Keeping this diversified sector mix helps avoid betting too heavily on any one economic story.

Regions Info

  • North America
    86%
  • Europe Developed
    6%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Europe Emerging
    0%

Geographically, the portfolio is strongly tilted toward North America, with most of that exposure in the US, and a smaller but still meaningful slice in international developed and emerging markets. This US bias is common and has been rewarded over the past decade, as US markets have outpaced many others. The international exposure adds useful diversification because markets around the world do not move in perfect lockstep. This allocation is well-balanced and aligns closely with global standards for a US-based growth investor, though anyone wanting more global risk spreading could gradually nudge the international share higher over time while monitoring how comfortable they are with currency and regional swings.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    26%
  • Small-cap
    14%
  • Mid-cap
    14%
  • Micro-cap
    12%

The mix across company sizes is impressively broad: there’s substantial exposure to mega and large companies, plus a solid slice in mid, small, and even micro caps. That spread is powerful because large firms often bring stability and steady growth, while smaller companies can deliver higher long-term returns but with more bumps. The small-cap tilt here is clear and intentional, which can boost return potential but may add volatility, especially during economic stress. Your portfolio’s size mix looks thoughtfully designed and compares favorably with many diversified benchmarks. Periodically checking that the small-cap tilt still fits comfort levels and time horizon can keep the strategy aligned with personal risk tolerance.

Redundant positions Info

  • Avantis® U.S. Small Cap Value ETF
    SPDR® Portfolio S&P 600 Small Cap ETF
    High correlation

The two small-cap funds move very similarly, which is what “highly correlated” means: they tend to go up and down together. Correlation is a measure of how closely assets move in tandem, and when it’s very high, holding multiple funds that behave almost the same brings limited diversification benefit. This doesn’t make them “bad,” but it does mean the portfolio may be more concentrated in that small-cap slice than it first appears. Streamlining overlapping positions could simplify monitoring and slightly reduce redundancy while keeping the overall small-cap tilt intact, as long as the broader risk-return profile remains in line with growth objectives.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.40%
  • SPDR® Portfolio S&P 600 Small Cap ETF 1.50%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 1.47%

The overall dividend yield of about 1.5% is modest, which is typical for a growth-focused, equity-heavy portfolio. Dividends are the cash payments companies make to shareholders, and they can be useful as a steady income stream or a source of funds to reinvest. Here, the primary engine is capital appreciation rather than income, which makes sense for growth profiles with long time horizons. The higher yield from international stocks and value-tilted small caps slightly boosts the income component. For someone prioritizing growth, automatically reinvesting these dividends back into the portfolio can quietly accelerate compounding over many years, even if the yield looks small in any single year.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • SPDR® Portfolio S&P 600 Small Cap ETF 0.03%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.07%

The total ongoing cost (TER) around 0.07% is impressively low and a real strength. TER, or Total Expense Ratio, is like a small yearly “membership fee” to own each fund. Lower fees leave more of the portfolio’s returns in your pocket, and over long periods even a tiny difference can add up to thousands of dollars. This cost structure is better than many actively managed strategies and aligns with best practices for long-term investing. Keeping costs low is one of the few things investors can control with certainty, so maintaining this low-fee, broadly diversified approach supports better long-term performance.

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.

Risk versus return here could be fine-tuned using the Efficient Frontier concept, which is basically the set of allocations that give the best possible return for each level of risk using the existing building blocks. “Efficient” in this context doesn’t mean the portfolio is perfectly diversified for every goal; it just means that, given these funds, there may be mixes that either reduce volatility for the same expected return or improve expected return for the same volatility. Because the two small-cap funds are highly correlated, simplifying them before any optimization could make that process cleaner. Any shifts should respect personal comfort with risk and the desire to stay growth oriented.

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