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A growth portfolio dressed like a diversified adult but still secretly hooked on tech and vibes

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 suits someone who believes in growth, is comfortable with big swings, and can watch a third of their portfolio vanish on paper without panic-selling. It fits a long time horizon mindset: decades, not years. The personality behind this is likely optimistic, US-centric, and somewhat allergic to bonds or anything that looks “boring.” There’s a willingness to lean into tech and small caps for extra upside, accepting the emotional rollercoaster that comes with it. Ideal for someone focused on future wealth-building, not immediate income, and who understands that high return potential comes with some very real gut-check moments along the way.

Positions

  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    50.00%
  • iShares Expanded Tech Sector ETF
    IGM - US4642875490
    20.00%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    10.00%
  • Schwab U.S. Dividend Equity ETF
    SCHD - US8085247976
    10.00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    10.00%

This thing looks diversified at first glance, then you realize it’s basically US stocks wearing different hats. Half the money in total US market, plus an extra 20% in a tech ETF, 10% in US small value, 10% in US dividends, and just 10% tossed to international like a consolation prize. That’s like ordering the sampler platter and then adding three more plates of fries. The structure leans heavily on one engine: US equities. If the US market stumbles, everything here trips together. To tighten this up, define the goal: growth-only, or growth with some resilience? Then adjust the building blocks to match that on purpose, not by accident.

Growth Info

A 17.3% CAGR (Compound Annual Growth Rate) is hot, no way around it. But that’s “you caught a great decade” hot, not “you’re a genius” hot. CAGR is like your average speed on a road trip: it hides the fact that you hit traffic and potholes on the way. The -34.6% max drawdown is the pothole — that’s “one-third of your money vanished on screen” territory. Also, 21 days making up 90% of returns screams: you survived by not missing a handful of freakishly good days. Past data is yesterday’s weather: useful, but not a prophecy. Treat these returns as a lucky stretch, not a baseline expectation.

Projection Info

The Monte Carlo stats are wild: median result around 679% and an average simulated annual return of 18.5%. Sounds like fantasy league investing. Monte Carlo is basically a thousand “what if” market paths based on past behavior and volatility — like running the same movie with slightly different scripts. The 5th percentile at 95% shows that in the worst scenarios you roughly break even in real terms, but that’s still based on rosy historical inputs. Simulations love smooth math and ignore messy reality: regime changes, higher inflation, tax changes, or decade-long slumps. Use these numbers as “possible ranges,” not guarantees, and consider tempering expectations with more modest long-run return assumptions.

Asset classes Info

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

Asset classes? This is 99% stocks and 1% “we found a lonely dollar in the couch.” For a growth profile, high equity makes sense, but this is basically “all gas, no brakes.” Having only one real asset class means when stocks are down, there is nowhere to hide. Asset classes are like different genres in a playlist: you don’t want only screaming guitars when you’re stuck in traffic. If the plan includes surviving crashes without panicking, it might help to add at least some defensive ballast — not to kill returns, but to reduce the “oh no” moments when markets drop 30%+ and everything in here goes down together.

Sectors Info

  • Technology
    36%
  • Financials
    12%
  • Telecommunications
    10%
  • Consumer Discretionary
    9%
  • Industrials
    9%
  • Health Care
    8%
  • Energy
    6%
  • Consumer Staples
    5%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    1%

Tech at 36% plus Communication Services at 10% is a stealth “Big Tech & friends” addiction. Toss in Consumer Cyclicals and you’ve built a portfolio that loves good times and low interest rates. This isn’t a sector mix; it’s a bet that the current market darlings will keep carrying the world on their backs. Sectors are like workplace teams: if all your stars are in one department, a downturn there wrecks the company mood. To avoid being held hostage by a handful of tech giants, consider dialing back the explicit tech overweight or at least balancing with more boring, less mood-swingy areas that don’t rely on infinite optimism.

Regions Info

  • North America
    90%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%
  • Australasia
    0%
  • Latin America
    0%
  • Africa/Middle East
    0%
  • Europe Emerging
    0%

“North America 90%” should really be labeled “America or nothing.” This is classic home bias: investing mostly where you live because it feels familiar. Problem is, the global economy doesn’t care about your ZIP code. If the US underperforms for a decade — totally possible — this setup eats it. A 10% nod to international is more PR than substance. Geography in investing is like not eating only food from your hometown forever. Bumping up non-US exposure could help if leadership shifts to other regions, and at least gives some protection if US valuations finally remember gravity.

Market capitalization Info

  • Mega-cap
    34%
  • Large-cap
    32%
  • Mid-cap
    17%
  • Small-cap
    10%
  • Micro-cap
    6%

The market-cap spread is actually one of the more reasonable parts: 34% mega, 32% big, 17% mid, 10% small, 6% micro. Nice accidental balance between giants and ankle-biters. But that small and micro chunk — juiced further by the small-cap value ETF — means extra volatility baked in. Smaller companies are like startup friends: amazing when it works, brutal when it doesn’t. If the idea is long-term growth and you can stomach swings, this is fine. If sleep quality matters, trimming the more chaotic stuff or keeping small/micro closer to market weights could keep the ride bumpy but not rollercoaster-from-hell level.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.40%
  • iShares Expanded Tech Sector ETF 0.20%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.35%

Total yield at 1.35% is… not exactly “live off the income” territory. The dividend ETF and international fund do some heavy lifting, but the tech tilt and growth focus drag income down. This setup screams: “I care more about growth than cash flow,” which is perfectly valid if the horizon is long and withdrawals are far away. Dividends are just one way to get paid; growth does the rest. If future income is part of the plan, over time you might shift a bit more toward reliable payers or a slightly higher yield mix, but for now this is clearly built for reinvestment and compounding, not current spending.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • iShares Expanded Tech Sector ETF 0.41%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • 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) 0.13%

Costs are the one area where this portfolio looks like it actually read a book. Total TER of 0.13% is impressively low, especially for something with a spicy tech ETF and a factor tilt. Paying less in fees is like not tipping the house every time you walk into the casino — it doesn’t guarantee you win, but at least you’re not handicapping yourself. Still, that 0.41% tech ETF and 0.25% small-cap value fund are the “premium toppings.” If there’s ever a shift toward simplicity, you could likely get a similar exposure with cheaper, broader tools and keep more of the upside when markets cooperate.

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 vs return here is basically “send it.” You’ve got big historical returns, big drawdowns, and heavy concentration in US growth and tech. Efficient Frontier (fancy term: the best combo of risk and return) would probably tell you that you’re hugging the high-risk side harder than needed to get similar long-term outcomes. There’s almost no ballast and plenty of overlapping exposure. This is fine if the plan is “ride volatility and don’t look at the account too often,” but not great if you want smoother progress. A slightly saner mix of regions, sectors, and a bit of stability could nudge you closer to efficient instead of just “hope the bull market never ends.”

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