Concentrated growth portfolio with strong US focus and efficient but aggressive risk return profile
Report created on Mar 24, 2026Risk 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
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VO Vanguard S&P 500 ETF
VOO - US9229083632 78.79% -
UR iShares MSCI World ETF
URTH - US4642863926 9.82% -
TS Tesla Inc
TSLA - US88160R1014 6.88% -
AD Adobe Systems Incorporated
ADBE - US00724F1012 4.51%
The structure is very focused: nearly 79% in a broad US large‑cap ETF, about 10% in a global developed ETF, and the rest in two single growth stocks. That means almost all risk and return is driven by equities, with no bonds or cash buffer. This kind of setup can grow quickly when markets rise but will also fully participate in equity downturns. The strong core in broad ETFs is a positive, as it mirrors major markets efficiently. The key question is whether the extra tilt into two individual growth names matches the comfort level with larger swings and stock‑specific news risk.
Growth
Historically, this mix has been very powerful: a $1,000 example grew to $5,148, beating both US and global market references. The portfolio’s compound annual growth rate (CAGR — the average yearly growth over the whole period) is 19.49%, versus 14.32% for the US market and 11.78% globally. The trade‑off is a much deeper maximum drawdown of -43.2%, meaning at one point it was down over 40% from a peak. Only 34 days made up 90% of gains, showing returns were concentrated in a few big up days. Missing those would have hurt results a lot.
Projection
The Monte Carlo projection simulates many possible 10‑year paths by remixing historical returns to estimate a range of outcomes. It’s like running 1,000 alternate futures based on past behavior. The 5th percentile shows a modest 11.3% total gain, while the median (50th percentile) suggests over 1,000% cumulative return, and the 67th percentile nearly 1,938%. The average simulated annual return of 27% is extremely high and heavily influenced by the strong backtest period. This kind of model assumes the future looks like the past, which is a big if. It’s useful for feeling the spread of outcomes, not as a promise of future performance.
Asset classes
- Stocks 100%
Everything is in one asset class: stocks. That creates very clear exposure to economic growth and corporate earnings, but also leaves no cushion from traditionally steadier assets like bonds or cash. A 100% equity stance is typical for aggressive growth profiles and longer horizons, and it has historically delivered higher returns over decades. The flip side is sharper drawdowns and more emotional pressure during bear markets. This allocation is well‑aligned with a growth objective, but anyone needing income stability or shorter‑term spending flexibility would usually mix in less volatile asset classes to smooth the ride.
Sectors
- Technology 33%
- Consumer Discretionary 16%
- Financials 11%
- Telecommunications 9%
- Health Care 9%
- Industrials 8%
- Consumer Staples 5%
- Energy 3%
- Utilities 2%
- Basic Materials 2%
- Real Estate 2%
Sector exposure is tilted toward growth‑oriented areas: technology is the largest slice at around one‑third, followed by consumer cyclicals and communication services. Financials, healthcare, and industrials provide some balance, with smaller allocations to defensive areas like utilities and consumer staples. Compared with broad global benchmarks, this leans more heavily into growth themes that tend to benefit from innovation and low interest rates. That tilt has been very rewarding in recent years. But tech‑ and consumer‑heavy portfolios can be hit harder when rates rise or when investors rotate into more defensive or value‑oriented areas. Sector balance will affect how bumpy future cycles feel.
Regions
- North America 97%
- Europe Developed 2%
- Japan 1%
Geographically, this is overwhelmingly a North America story: about 97% in that region, with tiny exposure to developed Europe and Japan. That’s actually more US‑centric than typical global benchmarks, which usually give the US a bit over half of total weight. The result is strong alignment with US economic and policy trends, including interest rates, inflation, and the dollar. When US markets outperform, this concentration is a tailwind, which has shown up in the high past returns. When the US lags or faces region‑specific issues, the portfolio has less offset from other economies. More global spread can reduce dependence on any single country’s market.
Market capitalization
- Mega-cap 48%
- Large-cap 35%
- Mid-cap 16%
- Small-cap 1%
Market‑cap exposure is dominated by mega and large companies, which together make up more than 80% of the portfolio. Only about 1% sits in small caps. Big, established businesses tend to have more stable earnings, better access to capital, and higher liquidity, which often leads to smoother trading and lower company‑specific blowups. The downside is less exposure to smaller, potentially faster‑growing firms that can drive long‑term outperformance but are more volatile. This large‑cap skew is very similar to major indexes, which is a strong indicator of a mainstream, benchmark‑like risk profile rather than a niche or speculative approach.
True holdings
-
TS Tesla Inc 8.52%
Part of fund(s):- Vanguard S&P 500 ETF
- iShares MSCI World ETF
-
NV NVIDIA Corporation 6.26%
Part of fund(s):- Vanguard S&P 500 ETF
- iShares MSCI World ETF
-
AA Apple Inc 5.68%
Part of fund(s):- Vanguard S&P 500 ETF
- iShares MSCI World ETF
-
AD Adobe Systems Incorporated 4.66%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.23%
Part of fund(s):- Vanguard S&P 500 ETF
- iShares MSCI World ETF
-
AM Amazon.com Inc 2.97%
Part of fund(s):- Vanguard S&P 500 ETF
- iShares MSCI World ETF
-
GO Alphabet Inc Class A 2.64%
Part of fund(s):- Vanguard S&P 500 ETF
- iShares MSCI World ETF
-
AV Broadcom Inc 2.19%
Part of fund(s):- Vanguard S&P 500 ETF
- iShares MSCI World ETF
-
GO Alphabet Inc Class C 2.11%
Part of fund(s):- Vanguard S&P 500 ETF
- iShares MSCI World ETF
-
ME Meta Platforms Inc. 2.05%
Part of fund(s):- Vanguard S&P 500 ETF
- iShares MSCI World ETF
- Top 10 total 41.31%
Looking through the ETFs shows a heavy overlap in a handful of mega‑cap growth names. Tesla is 8.52% total, combining your direct holding and ETF exposure. Adobe is similar, with almost all exposure from the single stock. NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, and Meta collectively form a big slice via the ETFs. This “hidden” concentration means the portfolio is less diversified than it appears, even though it holds many underlying companies. Overlap may be understated since only ETF top‑10s were analyzed, so real concentration is likely higher. Any shock to these big names would ripple through most of the portfolio.
Factors
Factor exposure — the portfolio’s tilt toward traits like value, size, momentum, quality, low volatility, and yield — shows dominant signals in low volatility, quality, and size (larger companies). Factor investing looks at these characteristics as “ingredients” that help explain returns. Strong low‑vol and quality tilts suggest an emphasis on financially solid, more stable businesses, even though the total portfolio can still swing due to equity‑only exposure. Momentum is moderate, yield is low, and value exposure is not especially pronounced, which fits a growth‑led profile. Compared with a neutral market, this mix may hold up relatively better in downturns than a pure high‑beta growth portfolio, but it will still feel very equity‑driven.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 78.79% 72.3% -
Tesla Inc
Weight: 6.88% 13.6% -
iShares MSCI World ETF
Weight: 9.82% 8.5% -
Adobe Systems Incorporated
Weight: 4.51% 5.6%
Risk contribution shows how much each holding actually drives portfolio volatility, which can differ from its weight. Here, the S&P 500 ETF is almost 79% of assets and about 72% of risk, so it pulls its share. Tesla, though, is only 6.9% by weight but contributes 13.6% of total risk — nearly double its share, thanks to its high volatility. Adobe also adds more risk than its size suggests. The top three holdings drive over 94% of total risk, which is extremely concentrated. Adjusting position sizes, especially in the most volatile names, would be the main way to rebalance risk without changing the core holdings.
Redundant positions
-
High correlationVanguard S&P 500 ETFiShares MSCI World ETF
The key ETFs move very closely together, which is what “high correlation” means — they tend to go up and down at the same time. That’s not surprising, since both lean heavily on large developed‑market stocks with a big US overlap. Correlation matters because diversification works best when holdings don’t all move in lockstep. In a sharp global equity selloff, this structure will behave much like one big stock bucket, with limited cushioning from other asset types or regions. That said, the use of broad index ETFs is still a positive: they reduce single‑company blowup risk compared to a purely individual‑stock portfolio.
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.
The risk‑return chart shows the current mix sits on the efficient frontier, meaning that for its particular blend of these holdings, it’s using them in a mathematically efficient way. The Sharpe ratio (return per unit of risk) is 0.8, solid but not the highest available. The “optimal” configuration of the same holdings reaches a higher Sharpe of 0.93 with more risk and return, while the minimum‑variance mix reduces risk to 17.25% with a lower return. There’s also a same‑risk optimized version with far higher expected return, though that number looks unrealistically high and likely reflects the limitations of historical data. Even so, the message is clear: reweighting the existing ingredients could tweak the risk/return balance without adding new assets.
Dividends
- iShares MSCI World ETF 1.50%
- Vanguard S&P 500 ETF 1.20%
- Weighted yield (per year) 1.09%
Dividend yield, at around 1.09%, is modest and typical for a growth‑oriented, large‑cap equity mix. Dividends are the cash payments companies make to shareholders, and over long periods they can be a meaningful part of total return, especially when reinvested. Here, most of the expected return is from price appreciation rather than income. That aligns well with a focus on capital growth instead of cash flow. For someone not relying on portfolio income today, this is quite reasonable. Over time, reinvesting these dividends back into the portfolio helps compound returns, even if the headline yield looks relatively low.
Ongoing product costs
- iShares MSCI World ETF 0.24%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.05%
The ongoing costs are impressively low, with a total expense ratio around 0.05%. That’s well below many actively managed funds and even cheaper than many other index solutions. Costs matter because they compound in reverse: every fraction of a percent paid out each year is performance you never see. Keeping fees this lean strongly supports better long‑term results and is one of the clearest controllable levers in investing. This is an area where the portfolio is very well‑aligned with best practices, and it makes the overall structure more resilient across different market environments.
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