A growth focused portfolio tilted to technology with strong historical returns and low overall 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 someone with a fairly high risk tolerance, comfortable seeing sizable ups and downs in pursuit of long‑term growth. They likely have a multi‑decade horizon, no immediate need to withdraw large amounts, and a focus on building wealth rather than generating current income. Short‑term drops of 30% or more would be seen as uncomfortable but acceptable bumps in a long journey, not reasons to abandon the plan. This kind of investor typically values simplicity, low costs, and broad market exposure, while being intentionally willing to accept concentrated bets in areas like technology to potentially enhance returns over time.

Positions

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    55.00%
  • Vanguard Information Technology Index Fund ETF Shares
    VGT - US92204A7028
    33.00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    12.00%

This portfolio is built almost entirely from three broad stock ETFs, with a big anchor in a large US index, a heavy tilt toward technology, and a smaller slice in international stocks. That structure creates a clear growth focus and a meaningful concentration in one theme. Compared with a typical broad global equity mix, this setup leans harder into US and tech, which can boost returns in strong markets but amplifies swings when those areas struggle. Keeping this simple, three‑fund approach is efficient and easy to manage. Periodically checking whether the balance between core broad exposure and the tech tilt still matches long‑term goals can help keep the overall mix on track.

Growth Info

Historically, this portfolio’s compound annual growth rate (CAGR) of about 18% means a $10,000 starting amount would’ve grown to roughly $51,000 over ten years, assuming similar conditions. CAGR is just the “average yearly speed” of growth over time. This comfortably beats what many broad equity benchmarks delivered over the same era, helped by strong US and tech performance. The max drawdown of about –33% shows that, during rough markets, the value can drop by a third, which is normal for aggressive stock portfolios. This pattern suggests high reward paired with meaningful volatility. It’s important to remember that past returns reflect a very favorable period and cannot be assumed going forward.

Projection Info

The Monte Carlo results show a very wide range of possible futures. Monte Carlo simulation basically reruns history thousands of times in different sequences to estimate where the portfolio might land. In these simulations, even the weaker 5th percentile outcome more than doubles the starting value, while the median path grows several times over. That’s typical for a growth‑heavy equity mix. However, these numbers rely on historical return and volatility patterns, which may not repeat. They are best viewed as rough weather forecasts rather than promises. Using these ranges to test comfort with bad‑case scenarios, not just the exciting upside, can help decide if the current risk level is appropriate over the intended timeframe.

Asset classes Info

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

Almost everything here is in stocks, with only a token slice in cash. That pure‑equity profile is fully aligned with an aggressive growth approach and is similar to many equity benchmarks that exclude bonds and cash. It can be powerful for long horizons because stocks historically outpace inflation more than safer assets. The trade‑off is bigger and more frequent declines, especially during recessions or rate shocks. This allocation is well‑balanced for someone prioritizing long‑term growth over short‑term stability, but less ideal for anyone needing to draw money soon. For those wanting smoother rides, gradually mixing in defensive assets over time can reduce volatility while still keeping growth as the main focus.

Sectors Info

  • Technology
    54%
  • Financials
    10%
  • Consumer Discretionary
    7%
  • Telecommunications
    7%
  • Health Care
    6%
  • Industrials
    6%
  • Consumer Staples
    3%
  • Energy
    2%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is dominated by technology at more than half of the portfolio, with the rest spread across financials, consumer areas, healthcare, and others in smaller weights. Compared with broad equity benchmarks, this is a noticeably stronger tech tilt. Tech‑heavy portfolios can shine in innovation‑driven or low‑rate environments but may be hit harder when interest rates rise, regulation tightens, or sentiment turns against growth names. The good news is that exposure to multiple other sectors still provides some diversification. For balance over the long run, it can help to check that enthusiasm for technology is intentional, not accidental, and consider whether a slightly more even spread across sectors would better match comfort with potential large drawdowns.

Regions Info

  • North America
    88%
  • Europe Developed
    5%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    0%
  • Latin America
    0%
  • Europe Emerging
    0%

Geographically, the portfolio is overwhelmingly tilted toward North America, especially the US, with a modest allocation to developed markets overseas and just a small slice in emerging regions. This is broadly in line with many US‑based benchmarks but still a bit more home‑biased than the global market as a whole. Heavy US exposure has been a strength in the last decade, thanks to strong large‑cap and tech performance. The flip side is higher vulnerability if US markets underperform or the dollar weakens over time. The existing non‑US exposure already improves diversification. Periodically revisiting whether the US vs. international balance still matches long‑term views and comfort with currency and regional risks can be helpful.

Market capitalization Info

  • Mega-cap
    48%
  • Large-cap
    31%
  • Mid-cap
    16%
  • Small-cap
    4%
  • Micro-cap
    1%

By market cap, the portfolio is dominated by mega and big companies, with some mid‑cap exposure and a small stake in smaller firms. Market capitalization simply measures company size by total stock value. This tilt toward large, established companies matches major benchmarks and supports stability and liquidity, since these firms are widely traded and well‑researched. Smaller companies, while more volatile, can sometimes offer higher growth over long periods. The current mix leans sensibly toward large caps while still giving some growth potential from mid and smaller names. If desired, one could dial small‑cap exposure up or down over time depending on how much extra volatility feels acceptable relative to the potential upside.

Dividends Info

  • Vanguard Information Technology Index Fund ETF Shares 0.40%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.08%

The combined dividend yield of around 1% shows this portfolio is geared more toward price growth than income. Yield is just the yearly cash payout as a percentage of the portfolio value. The international piece contributes a higher yield, while the tech‑heavy exposure pays relatively little, which is common for companies reinvesting earnings to grow. This structure is well‑aligned for investors focused on compounding over many years rather than spending the income today. For those eventually needing cash flow, a future shift toward higher‑yielding holdings or a planned “systematic withdrawal” strategy from capital gains could be considered instead of relying solely on dividends for spending needs.

Ongoing product costs Info

  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.06%

The total expense ratio (TER) of roughly 0.06% is impressively low. TER is the annual fee charged by funds, similar to a small “membership cost” for professional management. Keeping costs this low is a major long‑term advantage, because every dollar not spent on fees stays invested to compound. This cost level compares very favorably to both active funds and many passive alternatives, strongly supporting overall performance. From a fee perspective, the setup is already highly efficient and does not leave much room for meaningful improvement. The main focus going forward can stay on asset mix and risk alignment rather than hunting for tiny additional fee reductions.

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 for this portfolio can be examined using the Efficient Frontier, which maps combinations of the existing holdings to find the best trade‑off between volatility and expected return. “Efficiency” here simply means getting the most expected return for each unit of risk, not necessarily maximizing diversification or other goals. Given the strong tilt to technology and US equities, some alternative weightings among the three funds might slightly reduce risk without giving up much expected return. Any such changes would only rebalance between current components, not add new ones. Periodically running this kind of analysis can help keep the portfolio’s risk‑return profile aligned with evolving comfort levels.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.