A growth focused equity portfolio with strong tech tilt and impressive historic risk adjusted characteristics

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 kind of portfolio fits an investor who is comfortable with meaningful ups and downs in pursuit of stronger long‑term growth. They likely have a long investment horizon, think 10 years or more, and don’t need to tap this money for near‑term expenses. Their goals might include building substantial wealth, funding retirement, or growing a legacy rather than generating high current income. Volatility and drawdowns in the 30–40% range are something they can tolerate emotionally and financially, as long as the long‑run odds remain in their favor. They tend to value broad diversification within stocks, low fees, and simple index‑based strategies, while being open to intentional tilts toward specific characteristics.

Positions

  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    45.00%
  • 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%

This setup is a pure equity, ETF‑only portfolio tilted toward US stocks with a notable overweight to technology and small‑cap value. Compared with a typical broad global equity benchmark, it holds less international exposure and more intentional tilts. That matters because broad ETFs help capture market returns, while tilts can boost or drag performance depending on market cycles. The current mix leans clearly toward long‑term growth rather than short‑term stability. Keeping this structure on track mainly comes down to periodically checking that the tech and small‑cap tilts still match the desired risk level and rebalancing back to target weights after big market moves.

Growth Info

Historically this mix has delivered a very strong compound annual growth rate (CAGR) of 17.41%. CAGR is like your average speed on a long road trip, smoothing out the ups and downs along the way. Against a broad equity benchmark, that level of growth is impressive and suggests past tilts have been rewarded. However, the max drawdown of about ‑35% shows that deep temporary losses are very possible. This level of decline is typical for aggressive growth‑oriented equity portfolios. Since past performance cannot guarantee future results, it’s useful to focus less on the exact number and more on whether that kind of drop would feel emotionally and financially manageable.

Projection Info

The Monte Carlo analysis uses 1,000 simulations based on historical return and volatility patterns to estimate future ranges. Think of it as rerunning market history thousands of different ways to see many plausible paths. The median outcome of roughly 744% growth and a 5th percentile outcome around 74% highlight both strong upside potential and meaningful downside risk. An annualized projected return near 19% is optimistic and heavily influenced by strong past data, which may not repeat. Monte Carlo results are helpful for setting expectations, but they are not forecasts. It’s wise to treat the lower‑end outcomes seriously when planning savings rates, withdrawal rates, and emergency reserves.

Asset classes Info

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

The portfolio is essentially 99% in stocks with just a sliver in cash, which clearly pushes it into the growth‑oriented camp. Compared with balanced portfolios that include bonds or other defensive assets, this structure will likely swing more during market stress but should also have more upside over long horizons. Being “broadly diversified” within stocks helps spread risk across many companies, which is a big positive. Still, diversification across asset classes is limited. Anyone relying on this capital in the near term might consider adding more defensive assets, while those with long horizons can focus instead on staying invested and using a separate cash buffer for short‑term needs.

Sectors Info

  • Technology
    38%
  • Financials
    15%
  • Consumer Discretionary
    10%
  • Industrials
    10%
  • Health Care
    7%
  • Telecommunications
    6%
  • Energy
    5%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

Sector exposure is dominated by technology at 38%, well above what broad global benchmarks usually show, with financials, consumer cyclicals, and industrials also playing meaningful roles. This tech tilt has likely been a big driver of the strong historical returns. However, tech‑heavy portfolios can be more sensitive when interest rates rise or when growth expectations cool. The breadth across nine major sectors is a strength and supports the “broadly diversified” label. To keep risk in check, it can help to regularly review whether the tech weight is an intentional long‑term tilt or if it has drifted higher after strong performance, then rebalance if it feels out of line with risk comfort.

Regions Info

  • North America
    81%
  • Europe Developed
    8%
  • Asia Emerging
    3%
  • Japan
    3%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Europe Emerging
    0%

Geographically, about 81% is in North America, which is higher than many global benchmarks, with the rest spread across developed and emerging markets. This US‑lean reflects common practice for US‑based investors and has been rewarded over the past decade as US stocks outpaced many peers. That alignment with a strong home market is comforting, but it does mean outcomes are more tied to the US economy and policy environment. The 20% international slice still adds useful diversification, especially in different currencies and economic cycles. Over time, revisiting whether the US vs. international split matches personal comfort with foreign exposure can help maintain both familiarity and global balance.

Market capitalization Info

  • Mega-cap
    38%
  • Large-cap
    25%
  • Mid-cap
    15%
  • Small-cap
    12%
  • Micro-cap
    9%

The spread across market caps is well‑balanced: heavy exposure to mega and large companies, with meaningful allocations to mid, small, and even micro caps. This mix is closer to a “total market plus tilts” profile than a pure large‑cap portfolio. Large and mega caps tend to be more stable and dominate major indexes, while small and micro caps can add extra growth potential but with bumpier rides. This structure is well‑aligned with many best‑practice approaches to equity diversification. To keep this balance effective, periodic checks on whether small and micro caps have grown or shrunk relative to targets can help keep risk and opportunity in a comfortable zone.

Dividends Info

  • 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 3.00%
  • Weighted yield (per year) 1.40%

The overall dividend yield of about 1.4% fits a growth‑leaning equity profile: some income, but most return likely coming from price appreciation. The international holding’s higher yield and the small‑cap value ETF’s moderate yield help offset the lower payouts from tech‑heavy exposure. Dividends can be useful for reinvesting and compounding over time, or for modest income in later years. Still, with this yield level, the portfolio is clearly not an income‑focused strategy. For long‑term accumulators, automatically reinvesting dividends is usually a simple way to keep compounding working, while anyone planning withdrawals later on can treat the yield as just one piece of their cash‑flow puzzle.

Ongoing product costs Info

  • 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) 0.08%

The total expense ratio (TER) of around 0.08% is impressively low and a major strength. TER is the ongoing annual fee charged by funds, and keeping it low leaves more of the return in your pocket each year. This cost profile compares very favorably with typical active funds and is competitive even among index and factor‑tilted ETFs. Over decades, the difference between 0.08% and, say, 0.50% can add up to tens of thousands of dollars on a sizeable account. This aspect of the setup is firmly aligned with best practices. The main task going forward is simply to maintain this low‑fee mindset whenever considering new additions or changes.

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‑return basis, this mix sits in a growth‑oriented spot that likely lies somewhere near an efficient point for an equity‑only universe. The Efficient Frontier is the set of portfolios that offer the best expected return for a given level of risk, assuming only these existing funds and shifting their weights. “Efficient” here doesn’t mean perfectly diversified or suitable for all goals; it just means good bang for the risk taken. Adjusting the balance between broad market, tech tilt, international exposure, and small‑cap value could tweak volatility or expected return slightly. Any tuning would mainly be about matching personal comfort with drawdowns rather than chasing small theoretical efficiency gains.

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