Growth focused US stock portfolio with strong tech tilt and one highly volatile satellite position
Report created on Jun 3, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 45.00% -
VU Vanguard Growth Index Fund ETF Shares
VUG - US9229087369 35.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 10.00% -
DR Roundhill Memory ETF
DRAM 10.00%
This portfolio is made up of four US-listed stock ETFs, with no bonds or cash in the mix. Two broad Vanguard funds dominate: a total US stock market ETF at 45% and a US growth ETF at 35%. Around this core sit two smaller 10% “satellites” — a US dividend equity ETF and a focused thematic ETF in memory-related companies. This structure leans heavily on broad, low-cost index exposure, with a couple of targeted tilts for higher growth and dividends. Because everything is equity and mostly US-based, the portfolio is growth-oriented rather than capital-preservation focused, and short-term ups and downs will largely track stock markets rather than being cushioned by steadier assets.
Growth
Over the roughly two-month window available, the portfolio’s $1,000 hypothetical investment grew to about $1,258, far ahead of both US and global equity benchmarks over the same short period. The calculated CAGR (compound annual growth rate) above 300% just reflects how annualizing a very strong, very short burst can produce eye-popping numbers. Max drawdown — the largest peak-to-trough loss — was shallow at about -2.8%, similar to broad markets. This limited sample mainly shows that recent conditions, especially for growth and tech, were favorable. It does not yet reveal how this portfolio behaves across full market cycles, so these returns shouldn’t be treated as a long-term pattern.
Projection
The forward projection uses a Monte Carlo simulation, which basically runs thousands of “what if” scenarios by remixing historical returns and volatility. Here, it suggests a median outcome of about $2,743 from $1,000 over 15 years, with a wide possible range around that. The overall simulated annual return is roughly 8%, but this is built on only about two months of actual history, so the inputs are fragile. With such a short track record, the simulations mostly reflect recent strong performance and volatility, which may not persist. The key takeaway is the range of possible outcomes and uncertainty, not the precise dollar figures shown.
Asset classes
- Stocks 99%
- Other 1%
Asset class exposure is almost entirely in stocks (about 99%), with a tiny “other” slice that’s effectively negligible. That means the portfolio is fully tied to equity markets, with no built-in stabilizers like bonds or cash. In many broad benchmarks, you’d typically see a mix including some fixed income, which can reduce overall volatility. Here, all the risk and potential return come from company shares. Over long periods, stocks have historically grown faster than safer assets, but they can also experience deeper and more frequent drawdowns. With only a short history, the portfolio’s true long-run equity risk profile just hasn’t been fully tested yet.
Sectors
- Technology 46%
- Telecommunications 11%
- Consumer Discretionary 9%
- Financials 8%
- Health Care 8%
- Industrials 7%
- Consumer Staples 4%
- Energy 3%
- Real Estate 1%
- Basic Materials 1%
- Utilities 1%
Sector-wise, the portfolio is strongly tilted toward technology at about 46%, much higher than in many broad market indices. Telecommunications and consumer discretionary also show noticeable weights, while financials, health care, and industrials are present but smaller. Defensive sectors like utilities, consumer staples, and real estate are only minor positions. This kind of tech-heavy profile often benefits when growth companies and innovation themes are in favor, but can feel sharper swings during periods of rising interest rates or when investors rotate toward more cyclical or value-oriented areas. The short data window captures tech strength, but doesn’t show how this concentration behaves through a full tech downturn.
Regions
- North America 92%
- Asia Developed 7%
- Japan 1%
Geographically, about 92% of the portfolio sits in North America, with modest exposure to developed Asia and Japan. That means the portfolio is heavily aligned with the US economy, currency, and policy environment, much more so than a fully global equity index, where non-US markets carry a larger share. This strong US tilt has been helpful in the recent period the data covers, especially with US tech leadership. However, it also means that if US markets lag global peers in some future phase, the portfolio would reflect that. With just a couple of months of history, the regional tilt’s longer-term impact remains mostly theoretical rather than proven in this dataset.
Market capitalization
- Mega-cap 48%
- Large-cap 31%
- Mid-cap 14%
- Small-cap 3%
- Micro-cap 1%
By market capitalization, the portfolio leans strongly toward mega-cap and large-cap companies, with nearly 80% combined in those categories. Mid-caps make up a meaningful but smaller slice, while small and micro-caps are only a thin layer. Larger companies often bring more established business models and liquidity, which can make trading smoother and sometimes reduce idiosyncratic risk. On the other hand, smaller companies can be more volatile but also more sensitive to early-stage growth. This mix suggests a tilt toward big, well-known names that likely drive much of the portfolio’s movement. Over just two months, though, it’s hard to judge whether this size mix smooths or amplifies volatility in different market environments.
True holdings
-
NV NVIDIA Corporation 7.65%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 6.62%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 5.03%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 3.73%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 3.45%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 3.10%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.93%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
00 SK Hynix Inc 2.64%
Part of fund(s):- Roundhill Memory ETF
-
ME Meta Platforms Inc. 2.23%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.79%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Growth Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 39.15%
Looking through the ETFs’ top holdings, a substantial chunk of the portfolio is concentrated in a few major tech-related names. NVIDIA, Apple, and Microsoft together account for nearly 20% of the portfolio via overlapping ETF positions. Alphabet (both share classes), Amazon, Broadcom, SK Hynix, Meta, and Tesla add further concentration in a relatively small set of growth leaders. Because overlap is measured only using ETF top-10 lists, real concentration could be somewhat higher. This means that, while you see four funds on the surface, many dollars move together with a handful of large technology and internet-related companies, which can magnify both gains and setbacks tied to that group.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposure shows a very low tilt to Size (0%), meaning the portfolio is heavily skewed away from smaller companies and toward larger ones. That can make the portfolio behave more like an index dominated by big household-name stocks, which might be steadier than small caps in some stress periods but may miss episodes when smaller firms lead. There’s also high Momentum exposure at 75%, indicating a tilt toward stocks that have recently performed well. Momentum can amplify returns when trends persist but can also be vulnerable during sharp reversals. With only two months of history driving these estimates, factor tilts are more of an early snapshot than a confirmed long-term pattern.
Risk contribution
-
Roundhill Memory ETF
Weight: 10.00% 40.5% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 45.00% 30.2% -
Vanguard Growth Index Fund ETF Shares
Weight: 35.00% 28.6% -
Schwab U.S. Dividend Equity ETF
Weight: 10.00% 0.7%
Risk contribution looks at how much each holding adds to overall volatility, which can differ a lot from its weight. Here, the 10% Roundhill Memory ETF contributes over 40% of total portfolio risk, a risk-to-weight ratio above 4. In contrast, the broad Vanguard total market and growth funds together carry most of the remaining risk more in line with their size. The 10% dividend ETF barely moves the needle on risk, at less than 1% contribution. This shows the portfolio’s day-to-day swings are dominated by the thematic memory fund and the growth-heavy core, even though the headline allocation looks fairly diversified across four ETFs.
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 vs. return chart plots the current portfolio against an “efficient frontier” — the best risk/return mixes possible using these same four ETFs. The current portfolio sits about 10 percentage points below that frontier at its risk level, with a Sharpe ratio (risk-adjusted return measure) of 8.8 versus 10.01 for the optimal mix. In simple terms, the model suggests that, based on recent data, a different combination of the same funds could have delivered higher return per unit of risk. But because the inputs are based on just a couple of months, these efficiency gaps might be exaggerated or temporary rather than a reliable blueprint.
Dividends
- Schwab U.S. Dividend Equity ETF 3.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Growth Index Fund ETF Shares 0.40%
- Weighted yield (per year) 0.92%
The overall dividend yield of the portfolio, at about 0.92%, is relatively modest. The Schwab dividend ETF offers a higher yield around 3.3%, but it’s only 10% of the portfolio, while the large growth ETF has a very low yield of 0.4%. This setup tilts the portfolio more toward potential price appreciation than income. Dividends can help smooth returns over time and provide a steady cash flow, but they’re only one component of total return. With such a short history here, there isn’t yet a track record of how much actual income this mix will generate through different market phases and payout cycles.
Ongoing product costs
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Growth Index Fund ETF Shares 0.04%
- Weighted costs total (per year) 0.03%
Costs are impressively low, with total estimated TER around 0.03% thanks to the use of large, low-fee index ETFs. Even the more specialized and dividend-focused funds carry modest expense ratios. Lower ongoing fees mean more of any future returns stay in the portfolio rather than going to fund providers, and this compounds over long periods. In this case, costs act as a genuine strength: they support efficient exposure to the chosen strategies without a heavy drag. Over just two months, the impact of fees is tiny, but over many years the difference between 0.03% and higher-cost alternatives can add up to a meaningful gap.
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