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Investment Portfolio Client B Age: 15 Funds: $10,000 - Coggle Diagram

- - - - Growth ETFs will provide our client with diversification as well as exposure to high growth.
        
        VUG (Vanguard Growth ETF, VOOG (Vanguard S&P 500 Growth ETF), SPYG (SPDR S&P 500 Growth ETF) are some examples of low expense ratio high growth ETFs.
      - Sector ETFs provide diversification in industries that are due for major growth in the future. Information Technology, FinTech, and Artificial Intelligence relitively new and growing sectors we recommend.
        
        VGT (Vanguard Information Technology ETF), AIQ (Global X FinTech ETF), Global X Artificial Intelligence & Tech ETF) are three examples of ETFs in high growth industries of the future.
      - Emerging Market ETFs are a good way to diversify into international growth markets. We especially recommend China due to it's large population and potential for growth.
        
        FXI (iShares China Large-Cap ETF), VWO (Vanguard Emerging Markets ETF), SPEM (SPDR Emerging Markets ETF) are a few examples of Emerging market ETFs we recommend.
  - - - We recommend our client devote about 50% of her individual stock allocation on growth stocks. This is risky, but because of her age her portfolio should be built towards growth and a high allocation towards growth stocks encompasses that idea.
        
        We recommend our client invest in companies in the industries of the future. Examples of these industries are FinTech, Electric Vehicles, and Artificial Intelligence.
        
        General Motors, PayPal, and Microsoft are examples of major players in these industries that boast consensus buy ratings on MarketBeat.
    - - With the other half of their individual stock exposure, our client should allocate it towards companies with a history of growing dividend returns. This would provide predictable growing income and help to hedge against the risk of growth stocks.
        
        Coca-Cola, McDonald's, and Lowe's are a few viable options.
  - - - FNILX (Fidelity Zero Large Cap Index), VOO (Vanguard S&P 500), QQQ (Invesco QQQ Trust) are three examples of ETFs we recommend that would give our client broad large-cap exposure at low expense ratios.
- - - - According to Vanguard, the average annual return on portfolios allocated 100% to bonds is 10.2%, which is greater than the average annual returns of any of the portfolios with any bond allocation.