Concentrated US technology growth portfolio with strong recent returns and focused semiconductor exposure
Report created on May 15, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 20.00% -
SO Invesco PHLX Semiconductor ETF
SOXQ - US46138G6153 15.00% -
GL SPDR® Gold Shares
GLD - US78463V1070 5.00%
This portfolio is a concentrated four‑ETF mix: a broad US equity core at 60%, two tech‑heavy funds at 35% combined, and a 5% sleeve in gold. Most of the risk and return comes from stocks, with a big focus on US large‑cap technology and an extra tilt into semiconductors. Gold sits as a small diversifier on the side. A structure like this behaves very differently from a broad global blend because a few big themes dominate. The “Growth Investors” label and mid‑high risk score line up with the heavy equity and tech focus, while the low diversification score reflects the narrow range of regions, sectors, and asset types represented.
Growth
Over the last few years, a $1,000 investment in this mix grew to about $2,305, a compound annual growth rate (CAGR) of 18.61%. CAGR is like your average speed on a long road trip, smoothing out the ups and downs along the way. This beat both the US market (13.54%) and global market (10.97%) by a clear margin, helped by strong tech and semiconductor performance. The price for that growth was a max drawdown of about -29%, meaning the portfolio once fell that far from a peak before recovering. That’s steeper than the US market, and the fact that 90% of gains came from just 24 days shows how missing a few big up days could have drastically changed the outcome.
Projection
The Monte Carlo projection uses past returns and volatility to simulate 1,000 different future paths for the portfolio over 15 years. Think of it as running lots of “what if” scenarios by shuffling the sequence of good and bad years. The median result turns $1,000 into about $2,640, but outcomes vary widely: roughly three‑quarters of simulations end positive, yet some finish near flat while others grow several times the starting amount. The average simulated annual return of 7.8% is lower than recent history, which underlines that past performance is not a promise. These ranges are useful for understanding uncertainty, not as a prediction of exactly what will happen.
Asset classes
- Stocks 95%
- Other 5%
By asset class, this portfolio is 95% stocks and 5% “other,” which here is gold. That means almost all of the behaviour is driven by equity markets, with only a small buffer from non‑stock assets. Compared with many diversified portfolios that mix in bonds or cash‑like holdings, this is clearly on the growth‑oriented side. The small allocation to gold adds a different return driver that does not always move with stocks, which can modestly soften some downturns. Overall, the asset mix lines up with the growth label and higher risk score: it targets equity‑style upside and is more exposed to equity‑style drawdowns.
Sectors
- Technology 55%
- Financials 7%
- Telecommunications 6%
- Consumer Discretionary 6%
- Health Care 6%
- Industrials 5%
- Consumer Staples 3%
- Energy 2%
- Utilities 2%
- Real Estate 1%
- Basic Materials 1%
This breakdown covers the equity portion of your portfolio only.
Sector‑wise, this is heavily tilted: about 55% sits in technology, with the rest spread thinly across areas like financials, telecom, consumer‑focused sectors, health care, and industrials. Broad market benchmarks usually have much lower tech weights and more balance across different parts of the economy. A tech‑heavy profile often benefits when innovation themes and growth stories lead the market, as they have in recent years, but it can also swing more when interest rates rise or when sentiment turns against high‑growth names. The relatively modest exposure to more defensive sectors means there are fewer natural stabilizers when tech goes through rough patches.
Regions
- North America 93%
- Europe Developed 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, around 93% of the portfolio is in North America, with only a tiny slice in developed Europe and effectively nothing elsewhere. The global equity market is far more spread out across regions, so this is a clear home‑country and US‑centric tilt. A concentration like this means results are closely tied to the US economy, US interest rates, and the US dollar. When US markets lead the world, that concentration can boost returns relative to global benchmarks, which has been the case in the recent past. The flip side is that if other regions outperform the US for an extended period, that leadership would hardly show up here.
Market capitalization
- Mega-cap 44%
- Large-cap 32%
- Mid-cap 16%
- No data 5%
- Small-cap 2%
- Micro-cap 1%
This breakdown covers the equity portion of your portfolio only.
The market‑cap breakdown shows a strong lean to mega‑ and large‑cap companies, together making up about three‑quarters of the portfolio, with smaller slices in mid‑, small‑, and micro‑caps. That’s broadly in line with how most cap‑weighted indices look, where the biggest companies dominate the weight. Larger firms tend to be more established, widely followed, and often less volatile than very small companies, which can help keep risk from getting extreme. At the same time, it means less exposure to the sometimes higher‑growth but more erratic behaviour of small‑caps. The result is a growth‑oriented portfolio that still anchors on well‑known, very large businesses.
True holdings
-
NV NVIDIA Corporation 9.81%
Part of fund(s):- Invesco PHLX Semiconductor ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc 7.17%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.99%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 3.85%
Part of fund(s):- Invesco PHLX Semiconductor ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.18%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.79%
Part of fund(s):- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.76%
Part of fund(s):- Invesco PHLX Semiconductor ETF
- Vanguard Information Technology Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.44%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.34%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Advanced Micro Devices Inc 1.23%
Part of fund(s):- Invesco PHLX Semiconductor ETF
- Vanguard Information Technology Index Fund ETF Shares
- Top 10 total 35.58%
This breakdown covers the equity portion of your portfolio only.
Looking through the ETFs’ top holdings, a handful of mega‑cap technology and semiconductor names stand out. NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet, Micron, Meta, AMD and similar companies together make up a meaningful slice of the portfolio, and several appear in more than one ETF. This overlap creates hidden concentration: even though there are four funds, the same stocks drive a big share of performance. It’s worth noting that only top‑10 ETF holdings are included here, so true overlap is likely higher. This concentration has helped during strong tech and chip rallies, but it also means news affecting a few big names can move the whole portfolio noticeably.
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.
The factor profile is mostly neutral across size, momentum, quality, yield, and low volatility, meaning it behaves broadly like the wider market on those dimensions. Factor exposure describes how much a portfolio leans into traits like value or momentum that research has linked to returns, like the “ingredients” behind performance. The one notable tilt here is value, which is mildly low. A low value score means the holdings skew toward higher‑priced, growth‑oriented names rather than stocks that look cheap on fundamentals. In practice, that often ties in with the tech and semiconductor focus: these can shine when growth is in favour but may lag in periods when bargain‑priced stocks rebound.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 60.00% 49.4% -
Invesco PHLX Semiconductor ETF
Weight: 15.00% 25.1% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 20.00% 24.7% -
SPDR® Gold Shares
Weight: 5.00% 0.8%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can be very different from its weight. Here, the three equity ETFs together contribute over 99% of total risk, even though they are 95% of the weight, while gold adds very little volatility relative to its size. The semiconductor ETF is a clear standout: at 15% of the portfolio, it contributes about a quarter of the risk, reflecting its higher volatility. The tech fund also punches above its weight in risk terms. This pattern is typical when concentrated, fast‑moving themes are layered onto a broad index core: position sizes look moderate, but their impact on day‑to‑day swings is amplified.
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 plots expected return on the vertical axis and risk (volatility) on the horizontal, with the efficient frontier as the best trade‑offs achievable using these same holdings. The Sharpe ratio, which measures return per unit of risk relative to a risk‑free rate, is 0.75 for the current mix. The maximum‑Sharpe and minimum‑variance blends, however, both have Sharpe ratios above 1.2, meaning better risk‑adjusted outcomes are theoretically possible just by reweighting what’s already here. The current portfolio sits about 7 percentage points below the frontier at its risk level, suggesting it is not using this particular set of ETFs in the most efficient way from a pure math standpoint.
Dividends
- Invesco PHLX Semiconductor ETF 0.30%
- Vanguard Information Technology Index Fund ETF Shares 0.30%
- Vanguard S&P 500 ETF 1.00%
- Weighted yield (per year) 0.70%
The portfolio’s total dividend yield is around 0.7%, with the broad S&P 500 ETF providing the bulk at roughly 1%, and the tech and semiconductor funds yielding nearer 0.3%. Dividend yield is the cash income paid out each year as a percentage of the current value, like interest on a savings account but not fixed or guaranteed. This is a relatively low‑income profile compared with more dividend‑oriented mixes, which is normal for growth and tech‑heavy strategies. Here, the main return driver has been price appreciation rather than cash payouts, which lines up with the recent history of strong capital gains and modest income.
Ongoing product costs
- SPDR® Gold Shares 0.40%
- Invesco PHLX Semiconductor ETF 0.19%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.09%
Costs are a clear strength. The weighted ongoing fee (TER) is about 0.09%, thanks to very low‑cost core exposure via the S&P 500 ETF at 0.03% and competitive pricing on the tech and semiconductor funds. TER, or Total Expense Ratio, is the annual fee charged by a fund, and even small differences compound over long periods. This level of cost is significantly below the average actively managed fund and in line with many of the cheapest index options. Low costs do not guarantee better results, but they remove less from returns each year, which is a solid structural advantage that quietly supports long‑term performance.
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