Growth focused stock portfolio featuring strong US tilt and balanced factor exposures

Report created on Apr 4, 2026

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.

Positions

This portfolio is 100% in stocks, built entirely with broad-based and thematic ETFs. The core is split between large-cap growth, a momentum strategy, US dividend payers, and US mid-caps, with a meaningful satellite allocation to international stocks and a smaller slice in semiconductors. Being fully in equities makes the portfolio clearly growth-oriented, with higher potential returns but also larger swings in value. The combination of broad US exposure plus a targeted semiconductor ETF adds both diversification and a focused bet on one high-growth industry. For someone comfortable with volatility and a long time horizon, this sort of structure can be a solid way to pursue capital growth.

Growth Info

Historically, $1,000 invested here in 2016 would have grown to about $5,088, which is very strong. The portfolio’s compound annual growth rate (CAGR) of 20.25% meaning average yearly growth over the period clearly beat both the US market at 16.29% and the global market at 13.57%. Max drawdown the worst peak-to-trough fall was around -33%, similar to the benchmarks during the 2020 crash, showing it didn’t avoid big downturns but bounced back quickly. Outperformance with comparable drawdowns suggests the mix of growth, momentum, and semiconductors has been rewarded so far. Just keep in mind past returns, especially over a strong decade for US growth, don’t guarantee the next one looks the same.

Projection Info

The Monte Carlo projection runs 1,000 simulations of the next 15 years using historical ups and downs to model many possible futures. Median outcome has $1,000 growing to about $2,654, roughly an 8% annualized return, with a “likely” middle range from about $1,781 to $4,164. There’s still a meaningful chance of flat or negative results, and a small chance of very large gains. This helps show that even historically strong portfolios can experience wide result ranges. The key takeaway is that equities can compound nicely over long periods, but the path is bumpy, and planning should assume variability rather than a smooth 8% every year.

Asset classes Info

  • Stocks
    100%

All of the allocation is in equities, with no bonds or cash-like assets. Being 100% in stocks maximizes exposure to business growth and market upside, which is typically rewarded over decades but can be very uncomfortable over shorter stretches. There’s no built-in stabilization from fixed income to cushion drawdowns or provide dry powder during market stress. For investors in the accumulation phase with a long time horizon and stable outside income, this can still be reasonable. For anyone with shorter goals or a low tolerance for big swings, introducing a small allocation to more defensive assets is often how people dial down volatility without abandoning growth entirely.

Sectors Info

  • Technology
    37%
  • Industrials
    12%
  • Financials
    10%
  • Health Care
    10%
  • Telecommunications
    7%
  • Consumer Discretionary
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    3%
  • Real Estate
    2%
  • Utilities
    2%

Sector-wise, the portfolio is clearly tilted toward technology at 37%, with the rest spread across industrials, financials, healthcare, telecom, consumer areas, energy, materials, real estate, and utilities. That tech overweight versus a typical broad equity benchmark comes largely from growth, momentum, and the dedicated semiconductor ETF. This positioning has been a big driver of the strong past performance but also means results will be very sensitive to tech cycles and interest rate moves. If tech valuations compress or regulation hits, you’ll feel it more than a neutral sector mix. The positive side is that diversification across many non-tech sectors is still present, which helps avoid becoming a single-theme portfolio.

Regions Info

  • North America
    84%
  • Europe Developed
    8%
  • Japan
    3%
  • Asia Developed
    3%
  • Australasia
    1%

Geographically, about 84% is in North America, with modest exposure to developed Europe, Japan, other developed Asia, and a small slice of Australasia. This heavy US focus is very common for American investors and has been rewarded recently, as US stocks have outperformed most other regions. However, it does mean most of your risk is tied to one economy, one policy regime, and one currency. The rest of the world still represents a large portion of global market value that’s underrepresented here. The dedicated international ETF is a good step toward diversification; adding to global breadth over time is a typical way people reduce home-country concentration.

Market capitalization Info

  • Large-cap
    39%
  • Mega-cap
    33%
  • Mid-cap
    17%
  • Small-cap
    9%

The portfolio leans heavily toward larger companies: mega- and large-caps together make up over 70%, with smaller allocations to mid- and small-caps. Bigger companies tend to be more stable, more profitable, and better researched, which can reduce company-specific blowups compared to a small-cap-heavy portfolio. At the same time, mid- and small-caps often drive a lot of long-term growth and can outperform in certain economic phases, though with more volatility. Overall, the size mix here is reasonably balanced for a growth-leaning investor: anchored by big, global franchises while still giving a meaningful, though not dominant, role to smaller and mid-sized firms.

True holdings Info

  • NVIDIA Corporation
    6.53%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • VanEck Semiconductor ETF
  • Broadcom Inc
    3.33%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • VanEck Semiconductor ETF
  • Alphabet Inc Class A
    2.09%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Apple Inc
    2.07%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
  • Alphabet Inc Class C
    1.67%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Microsoft Corporation
    1.50%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
  • Johnson & Johnson
    1.40%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
  • Micron Technology Inc
    1.35%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
  • Lam Research Corp
    1.27%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • VanEck Semiconductor ETF
  • Taiwan Semiconductor Manufacturing
    1.17%
    Part of fund(s):
    • VanEck Semiconductor ETF
  • Top 10 total 22.39%

Looking through the ETFs, certain individual companies show up multiple times, creating hidden concentration. NVIDIA alone adds up to about 6.5% of the portfolio, while Broadcom, both Alphabet share classes, Apple, Microsoft, Johnson & Johnson, and several chip names each show meaningful exposure. Because we only see each ETF’s top 10 holdings, true overlap is probably higher. This matters because if a handful of mega-cap tech and semiconductor names struggle, several ETFs might be hit at once. The upside is that you’re strongly aligned with market leaders that have driven returns recently. The tradeoff is more reliance on a small group of big, tech-related firms.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure is very close to market-like across the board: value, size, momentum, quality, yield, and low volatility all sit in the neutral 40–60% band. Factors are characteristics like “cheap vs expensive,” “fast-rising vs lagging,” or “high vs low dividend” that academic research ties to long-term returns. A neutral profile means this portfolio behaves broadly like the overall equity market along these dimensions, rather than making strong bets on any single style. That’s actually a positive alignment for someone who wants broad, diversified exposure without having to bet heavily on value vs growth, or momentum vs low volatility cycles. Performance will be driven more by asset mix and sector choices than by factor tilts.

Risk contribution Info

  • Invesco S&P 500® Momentum ETF
    Weight: 25.00%
    25.0%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 20.00%
    21.8%
  • Schwab U.S. Mid-Cap ETF
    Weight: 15.00%
    15.1%
  • VanEck Semiconductor ETF
    Weight: 10.00%
    15.0%
  • Schwab International Equity ETF
    Weight: 15.00%
    11.9%
  • Top 5 risk contribution 88.7%

Risk contribution shows how much each ETF drives the portfolio’s overall volatility. The Invesco momentum ETF and the Schwab mid-cap ETF contribute risk roughly in line with their weights, while the Schwab large-cap growth slightly over-contributes. The standout is the VanEck Semiconductor ETF: it’s 10% of the portfolio but about 15% of total risk, a risk/weight ratio of 1.5, because chips are volatile. Meanwhile, the international ETF contributes less risk than its weight, acting as a mild diversifier. If someone wanted to smooth the ride without changing holdings, revisiting the size of the semiconductor slice would be an obvious lever.

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.

Click on the colored dots to explore allocations.

On the risk vs return chart, the current portfolio has a Sharpe ratio of 0.76, which is decent but sits about 2.1 percentage points below the efficient frontier at the same risk level. The efficient frontier is the curve of best possible risk/return mixes using only your existing holdings. The optimal portfolio point there shows a higher Sharpe of 1.06 by taking more risk but getting even more return, while the minimum variance option lowers risk with a similar Sharpe to what you already have. This suggests the mix is good but not fully optimized. Reweighting the same ETFs (no new products) could improve risk-adjusted returns.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.50%
  • Schwab International Equity ETF 3.30%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab U.S. Mid-Cap ETF 1.40%
  • VanEck Semiconductor ETF 0.30%
  • Invesco S&P 500® Momentum ETF 0.90%
  • Weighted yield (per year) 1.56%

The overall dividend yield of about 1.56% is modest, reflecting the strong presence of growth, momentum, and tech-heavy funds that typically reinvest earnings rather than pay them out. The Schwab US Dividend and Schwab International funds contribute most of the income, with yields above 3%, which is meaningful for investors who like some cash flow. Dividends can be a helpful part of total return and can feel reassuring during flat markets, but here the main growth engine is still capital appreciation. This setup suits investors who prioritize long-term value growth over immediate income and are fine with a lower yield in exchange for higher growth potential.

Ongoing product costs Info

  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab U.S. Mid-Cap ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Weighted costs total (per year) 0.10%

Costs are a real strength. The total expense ratio (TER) is about 0.10%, which is impressively low for a portfolio that mixes broad funds with a specialized semiconductor ETF. Most holdings are ultra-low-cost Schwab index products, with only the VanEck semiconductor ETF charging a noticeably higher fee, which is typical for niche strategies. Low costs matter because fees compound against you: shaving even a few tenths of a percent can add up to thousands of dollars over decades. Here, the fee drag is minimal, which supports better long-term performance. This cost profile is very well aligned with best practices for long-term, ETF-based portfolios.

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