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Growth focused portfolio with strong US bias and sizeable single stock concentration in major technology names

Report created on Jun 20, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is built around a mix of target-date mutual funds, broad index ETFs, and a couple of big individual tech stocks. About a third sits in target retirement funds, another chunk in broad US and international index ETFs, and roughly a quarter in just Amazon and Meta. That blend combines “all-in-one” diversified funds with a few concentrated stock bets layered on top. Structurally, this gives a strong tilt toward growth-oriented equities while still keeping some exposure to bonds through the mixed target-date funds and dedicated bond ETFs. The mix is relatively straightforward, but the large single-company holdings mean overall behaviour can differ quite a bit from a pure index-only setup.

Growth Info

Over the period shown, a hypothetical $1,000 grew to about $3,215, which is a compound annual growth rate (CAGR) of 14.01%. CAGR is like your average speed on a road trip, smoothing out all the bumps along the way. The portfolio’s worst peak-to-trough drop was about -33%, similar in depth to the US and global benchmarks, and it took around 15 months to recover. Returns landed between the two benchmarks: slightly behind the US market but comfortably ahead of the global market. Only 31 days made up 90% of total gains, highlighting how a small number of strong days drove much of the performance, which is common for growth-heavy portfolios.

Projection Info

The Monte Carlo projection uses thousands of simulated paths based on historical volatility and returns to estimate a range of possible future outcomes. Think of it as running the next 15 years 1,000 different ways to see what tends to happen most often. Here, the median path turns $1,000 into about $2,583, or roughly 7.28% per year across all simulations. The likely range is quite wide, from roughly $1,826 to $3,657, and extreme cases go lower or much higher. This shows that even with the same starting point and structure, outcomes can vary a lot. As always, these simulations rely on past patterns, which may not repeat.

Asset classes Info

  • Stocks
    85%
  • Bonds
    15%

The asset class split is roughly 85% stocks and 15% bonds, which lines up with a growth-oriented profile rather than a balanced one. Stocks historically drive most long-term growth but also most of the ups and downs, while bonds tend to act as stabilizers, like the shock absorbers in a car. Compared with a broad global “total market” mix, the bond slice here is relatively modest, so equity swings will dominate short-term movements. The presence of both domestic and international bond ETFs, plus bond exposure inside target-date funds, helps smooth volatility somewhat, but the overall character is still clearly equity-driven, especially during sharp market moves.

Sectors Info

  • Consumer Discretionary
    19%
  • Technology
    19%
  • Telecommunications
    14%
  • Financials
    10%
  • Industrials
    8%
  • Health Care
    6%
  • Consumer Staples
    3%
  • Consumer Discretionary
    3%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure leans heavily into consumer discretionary, technology, and telecommunications, together making up over half of the equity slice. That’s a growth-tilted pattern and is consistent with having large positions in big tech and internet-related companies. Compared with a typical broad global index, this is more focused on sectors that are sensitive to economic cycles and interest rates. These areas can deliver strong returns when innovation and consumer spending are strong but may see sharper pullbacks when rates rise or growth expectations cool. Meanwhile, more defensive sectors like utilities and consumer staples play a relatively small role, so they offer only limited cushioning in downturns.

Regions Info

  • North America
    69%
  • Europe Developed
    9%
  • Asia Developed
    4%
  • Japan
    4%
  • Asia Emerging
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 69% of the equity exposure is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and emerging markets. That US-heavy tilt is quite common and roughly in line with global market weights, where US companies make up a large share of total market value. The portfolio still maintains meaningful exposure to other regions, which helps reduce reliance on a single economy and currency, although the non-US slices are much smaller. Relative to a perfectly global “market-cap-weighted” approach, this mix is a bit US-leaning but still broadly diversified, which can be helpful when different regions go through different economic cycles.

Market capitalization Info

  • Mega-cap
    51%
  • Large-cap
    19%
  • Mid-cap
    11%
  • Small-cap
    3%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

The market cap breakdown shows a strong focus on mega-cap and large-cap companies, with over 70% in the biggest firms and only a small slice in mid, small, and micro caps. Market capitalization is just company size by stock market value; bigger companies often have more stable earnings and broader business lines. This tilt towards giants means the portfolio should behave somewhat similarly to mainstream large-cap indices, with less influence from the sometimes more volatile small-cap segment. The modest exposure to smaller companies still adds some diversification and potential growth, but it won’t dominate returns or risk the way the mega-cap holdings will.

True holdings Info

  • Amazon.com Inc
    16.95%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    Direct holding 16.07%
  • Meta Platforms Inc.
    8.55%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    Direct holding 8.14%
  • NVIDIA Corporation
    1.68%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    1.52%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    1.11%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    0.74%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    0.70%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    0.59%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    0.44%
    Part of fund(s):
    • Invesco QQQ Trust
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Micron Technology Inc
    0.43%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 32.71%

This breakdown covers the equity portion of your portfolio only.

Looking through the funds, Amazon and Meta stand out as major positions both directly and via ETFs. Amazon totals nearly 17% of the portfolio when combining direct stock and indirect ETF exposure, and Meta is around 8.5% in total. This layering creates hidden concentration: even if ETFs look diversified, overlapping top holdings can stack exposure to the same companies. The coverage numbers show that only a portion of all holdings is captured via ETF top-10 data, so true overlap is likely higher than measured. This means that big moves in a handful of dominant tech names can strongly influence the whole portfolio’s behaviour, beyond what headline fund counts suggest.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 90%
Size
Exposure to smaller companies
Low
Data availability: 92%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 90%
Quality
Preference for financially healthy companies
High
Data availability: 90%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 84%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

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 is mostly close to neutral, meaning the portfolio behaves similarly to the broad market on most academic factors. Factor investing looks at traits like value, size, and momentum that have historically explained differences in returns, a bit like breaking a recipe into its core ingredients. The stand-out tilt here is toward quality, at 61%, which signals a mild lean toward companies with stronger balance sheets, profitability, or earnings stability. A quality tilt often helps during stressed markets, as financially stronger firms can weather downturns better. Size, at 35%, shows a mild tilt away from smaller companies, which fits with the heavy mega-cap exposure seen in the market cap breakdown.

Risk contribution Info

  • Amazon.com Inc
    Weight: 16.07%
    25.6%
  • Vanguard Target Retirement 2045 Fund Investor Shares
    Weight: 22.31%
    18.6%
  • Meta Platforms Inc.
    Weight: 8.14%
    14.2%
  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 10.58%
    10.8%
  • Vanguard S&P 500 ETF
    Weight: 9.87%
    9.9%
  • Top 5 risk contribution 79.1%

Risk contribution shows how much each holding drives the portfolio’s overall volatility, which can differ a lot from simple weight. Here, Amazon is 16% of the portfolio by weight but contributes about 26% of total risk, and Meta at 8% weight contributes over 14% of risk. That’s like two loud instruments dominating an orchestra. In contrast, the large Vanguard Target Retirement 2045 position has a lower share of risk than its weight suggests, reflecting its more diversified and partly bond-backed mix. Overall, the top three holdings generate around 58% of total portfolio risk, highlighting a meaningful concentration in just a few growth-oriented positions.

Redundant positions Info

  • VANGUARD TARGET RETIREMENT 2065 FUND INVESTOR SHARES
    VANGUARD TARGET RETIREMENT 2060 FUND INVESTOR SHARES
    Vanguard Total Stock Market Index Fund ETF Shares
    Vanguard Target Retirement 2045 Fund Investor Shares
    Vanguard S&P 500 ETF
    High correlation

The correlation data shows that many of the Vanguard equity funds and target-date funds move very closely together. Correlation measures how often assets move in the same direction; highly correlated assets don’t diversify each other much during big swings. For example, the S&P 500 ETF, total stock market ETF, and later-dated target retirement funds are all tightly linked, reflecting their shared core of large US stocks. This means that while there are several different tickers, their day-to-day behaviour is quite similar. The diversification benefits therefore come less from differences among these equity funds and more from the bond holdings and the modest non-US and multi-asset exposure baked into the target-date funds.

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 efficient frontier analysis compares the current mix with the best possible combinations using only the existing holdings. The Sharpe ratio, which measures return per unit of risk above a risk-free rate, is 0.62 for the current portfolio, versus 0.90 for the optimal mix at a higher risk level and 0.29 for the minimum-variance option. The current point sits about 1.98 percentage points below the frontier at its risk level, meaning there are alternative weightings of the same funds and stocks that could historically have delivered better risk-adjusted returns. This doesn’t imply any change is necessary, but it shows the present allocation isn’t fully “efficient” by that metric.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 4.00%
  • Vanguard Total International Bond Index Fund ETF Shares 4.50%
  • Meta Platforms Inc. 0.30%
  • Invesco QQQ Trust 0.40%
  • VANGUARD TARGET RETIREMENT 2065 FUND INVESTOR SHARES 1.80%
  • Vanguard S&P 500 ETF 1.00%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.00%
  • Vanguard Target Retirement 2045 Fund Investor Shares 2.30%
  • VANGUARD TARGET RETIREMENT 2060 FUND INVESTOR SHARES 1.80%
  • Vanguard Total International Stock Index Fund ETF Shares 2.60%
  • Weighted yield (per year) 1.61%

The overall dividend yield is around 1.61%, which is modest and consistent with a growth-focused portfolio. Dividend yield is the annual cash payout as a percentage of price, like “interest” from stocks and bonds. Here, most of the income comes from bond ETFs and the more income-oriented pieces of the target-date funds, with yields around 4%–4.5% on the bond side and 1.8%–2.6% for some of the multi-asset and international equity funds. The big individual tech names contribute relatively little income but more price-driven growth. So total return historically depends more on capital appreciation than on dividends, which can mean lumpier year-to-year results.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Bond Index Fund ETF Shares 0.07%
  • Invesco QQQ Trust 0.20%
  • VANGUARD TARGET RETIREMENT 2065 FUND INVESTOR SHARES 0.08%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Target Retirement 2045 Fund Investor Shares 0.08%
  • VANGUARD TARGET RETIREMENT 2060 FUND INVESTOR SHARES 0.08%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.05%

The portfolio’s total expense ratio (TER) is very low at about 0.05% per year, helped by the heavy use of Vanguard index funds and ETFs. TER is the annual fee taken by funds to cover management and operations, and while it seems tiny, it compounds over time. Here, costs are impressively low and broadly in line with or even better than many comparable index-based setups. That’s a strong structural advantage because fees come out regardless of performance, whereas returns are uncertain. Keeping costs at this level means more of any future growth stays in the portfolio, supporting long-term compounding without needing to “outrun” high ongoing charges.

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