Highly concentrated utilities led portfolio with growth tilt and modest diversification across global equity ETFs

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 with a relatively high risk tolerance who accepts large swings in value in pursuit of strong long term growth. Such a person may have a long investment horizon, often 10 years or more, and enough flexibility that short term drawdowns do not disrupt major life plans. They might appreciate a blend of steady dividend income with the potential upside of innovative, growth oriented themes. Comfort with concentration risk and company specific headlines is important, along with the discipline to stay invested through deep downturns. A preference for low ongoing costs, combined with some interest in thematic exposure, also matches the behavioural profile this portfolio reflects.

Positions

  • Dominion Energy Inc
    D - US25746U1097
    83.88%
  • Tesla Inc
    TSLA - US88160R1014
    8.39%
  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    2.88%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    VEA - US9219438580
    1.40%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares
    VWO - US9220428588
    1.12%
  • iShares iBoxx $ Investment Grade Corporate Bond ETF
    LQD - US4642872422
    0.70%
  • ARK Innovation ETF
    ARKK - US00214Q1040
    0.46%
  • Vanguard Dividend Appreciation Index Fund ETF Shares
    VIG - US9219088443
    0.31%
  • Riot Blockchain Inc
    RIOT - US7672921050
    0.23%
  • ARK Fintech Innovation ETF
    ARKF - US00214Q7088
    0.21%
  • iShares Core Dividend Growth ETF
    DGRO - US46434V6213
    0.20%
  • BlackBerry Ltd
    BB - CA09228F1036
    0.14%
  • iShares Self-Driving EV and Tech ETF
    IDRV - US46435U3665
    0.09%

This portfolio is extremely concentrated, with one utility stock making up almost 84% of the value and a second single growth stock near 8%. The rest is spread thinly over several broad and thematic ETFs plus a small corporate bond position. Compared with a typical broad benchmark, which holds thousands of positions with no single name above a few percent, this is a very focused setup. This concentration can amplify both gains and losses tied to company specific or sector specific news. Gradually shifting a portion from the largest single holdings into broader, rules based funds could move the structure closer to benchmark like balance while keeping the overall growth profile.

Growth Info

Historically, the portfolio delivered a compound annual growth rate (CAGR) of 10.69%, meaning an imagined 10,000 dollars could have grown to around 27,600 dollars over ten years if that rate persisted. However, the maximum drawdown of about minus 53% shows that at some point the value could have fallen near 4,700 dollars before recovering. This combination of solid growth with very deep temporary losses fits a concentrated, stock heavy approach. Broad benchmarks with similar long term returns often show smaller drawdowns. Using this history mainly as context and remembering that past performance never guarantees future results can help set realistic expectations for volatility and patience.

Projection Info

The Monte Carlo analysis, which simulates many future paths by reshuffling historical return patterns, shows very wide possible outcomes. Monte Carlo is like running 1,000 alternate market histories to see the range of endings for today’s portfolio. Here, the median path suggests strong growth, but the 5th percentile shows the possibility of very large losses, while the higher percentiles imply explosive upside. The average simulated annual return above 20% mainly reflects past volatility and concentration rather than a promise. Because simulations depend heavily on historical data and assumptions, they are best seen as a risk thermometer, not a forecast. Using them, an investor can decide whether this level of potential downside is emotionally and financially tolerable.

Asset classes Info

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

The asset mix is roughly 99% stock and 1% bonds, which is much more aggressive than many blended benchmarks. Stocks represent ownership in companies and typically drive long term growth but also big swings. Bonds are loans to governments or firms and often act as a stabilizer. With almost no ballast from bonds or cash, this portfolio’s value will likely move closely with equity markets, especially when stress hits. For someone wanting growth with fewer shocks, slowly lifting the share of defensive assets over time could help. For a high risk taker, it might instead be useful to define a strict plan for adding to safer assets if volatility becomes uncomfortable or life circumstances change.

Sectors Info

  • Utilities
    84%
  • Consumer Discretionary
    9%
  • Technology
    2%
  • Financials
    1%
  • Industrials
    1%
  • Health Care
    1%
  • Telecommunications
    1%
  • Consumer Staples
    0%
  • Basic Materials
    0%
  • Energy
    0%
  • Real Estate
    0%

Sector exposure is dominated by utilities, followed by a sizable consumer cyclicals sleeve and smaller positions in technology and other areas. Utilities are usually known for stability and dividends, but a single name making up nearly all that sector exposure changes the risk profile into more stock specific. Thematically focused funds add growth oriented themes that can swing sharply, especially when interest rates move or sentiment shifts. Compared with broad benchmarks that spread weight across many sectors, this setup is more vulnerable to anything affecting its top sector and themes. Easing that risk could involve increasing exposure to more diversified vehicles rather than additional narrow themes tied to the same trends.

Regions Info

  • North America
    97%
  • Europe Developed
    1%
  • Asia Emerging
    1%
  • Asia Developed
    0%
  • Japan
    0%
  • Africa/Middle East
    0%
  • Australasia
    0%
  • Latin America
    0%
  • Europe Emerging
    0%

Geographically, the portfolio is heavily tilted to North America, especially the United States, with only small allocations to developed and emerging markets overseas. Many global benchmarks hold a meaningful share of non U.S. equities to capture different economic cycles, currencies, and policy environments. A strong U.S. tilt has helped in recent years, but it also ties outcomes to one economy and regulatory system. If the U.S. underperforms or the dollar weakens, returns might lag a more globally balanced mix. Increasing the size of broad international holdings over time could improve diversification without needing to pick specific countries, while still keeping the home bias that often feels more familiar and comfortable.

Market capitalization Info

  • Large-cap
    86%
  • Mega-cap
    11%
  • Mid-cap
    2%
  • Small-cap
    0%
  • Micro-cap
    0%

Most holdings sit in the big and mega cap bucket, meaning large, established companies and broad funds that track them. Market capitalization, or “market cap,” is simply the total value of a company’s shares and often correlates with business maturity and stability. Large caps typically move less wildly than small caps, though they still fall sharply in broad market downturns. Having minimal small or mid cap exposure can reduce extreme swings but also slightly limit the chance of outsized growth from younger firms. If a bit more growth potential is desired without changing overall risk drastically, gradually increasing exposure within diversified funds that already hold a mix of sizes can be a measured way to adjust.

Redundant positions Info

  • iShares Core Dividend Growth ETF
    Vanguard Dividend Appreciation Index Fund ETF Shares
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

Several of the equity ETFs in this portfolio are highly correlated, meaning they tend to move up and down together because they hold many of the same underlying companies. Correlation is like watching two dancers who follow similar steps; when one moves, the other usually does too. In investing, high correlation between holdings limits diversification benefits, especially during market stress. This portfolio already earns good alignment with best practices by including broad, low cost options, but holding multiple similar funds dilutes simplicity without much extra risk reduction. Streamlining overlapping positions into the single most suitable broad vehicle could keep exposure intact while making the portfolio cleaner and easier to manage.

Dividends Info

  • Dominion Energy Inc 3.40%
  • iShares Core Dividend Growth ETF 2.00%
  • iShares Self-Driving EV and Tech ETF 1.80%
  • iShares iBoxx $ Investment Grade Corporate Bond ETF 4.40%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.70%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 1.60%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 2.99%

The overall dividend yield is around 3%, boosted by the large utility position and the small slice of bond exposure. Dividend yield is the annual cash payout as a percentage of the current price, like interest from a savings account but not guaranteed. This level of income is respectable for a growth classified portfolio and aligns nicely with investors who enjoy some cash flow while still prioritizing appreciation. However, because most value sits in one dividend paying stock, income stability is tied to that company’s policy and financial health. Shifting a modest portion of capital into diversified dividend focused funds could keep a similar yield while spreading income risk across many issuers.

Ongoing product costs Info

  • ARK Fintech Innovation ETF 0.75%
  • ARK Innovation ETF 0.75%
  • iShares Core Dividend Growth ETF 0.08%
  • iShares Self-Driving EV and Tech ETF 0.47%
  • iShares iBoxx $ Investment Grade Corporate Bond ETF 0.14%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.01%

The total expense ratio across the portfolio is impressively low, around 0.01% when weighted by position sizes. Expense ratio is the annual fee charged by funds, quietly deducted from returns like a small service charge. Low costs are a major strength here and align strongly with long term best practices, since every fraction of a percent saved compounds into meaningful extra wealth over decades. A few smaller holdings carry higher fees, but their tiny weights limit the drag. Over time, it could still be helpful to ask whether each high cost thematic fund adds unique value or could be replaced by low cost, broad options while preserving the overall growth goal and return 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.

Efficient Frontier analysis suggests that, using the existing building blocks, it is possible to reach a higher expected return for the same or similar risk by rebalancing weights. The Efficient Frontier is a curve showing the best trade off between risk and return for a given set of assets, like finding the fastest route for a fixed amount of fuel. Here, optimization points toward less concentration and more use of the diversified funds to lift “efficiency.” This does not automatically mean better diversification in every sense, but rather a sharper risk return ratio. Even small, periodic shifts away from the most dominant positions toward the diversified core could move the portfolio closer to that efficient region.

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