A concentrated growth focused stock portfolio with strong tech tilt and low global diversification

Report created on Jan 3, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is heavily tilted to one broad US stock fund, with the rest stacked into small‑cap value and two focused tech funds. Compared with a typical “growth” benchmark that still mixes in some bonds and non‑US stocks, this setup is more aggressive and more concentrated. Being almost entirely in one country and one asset type makes growth potential high but also ties results closely to US stock market cycles. If that’s intentional, it can work well, but it helps to decide how much volatility is truly acceptable and whether adding even a small stabilizing sleeve fits your long‑term plan.

Growth Info

Historically, turning $10,000 into this mix would have compounded at a 14.4% CAGR (Compound Annual Growth Rate), meaning an average 14.4% per year over the period measured. That’s strong and lines up with what you’d expect from a growth‑heavy stock allocation, especially with a tech tilt. The worst drop of about −27% (max drawdown) is meaningful but not extreme for an all‑equity approach. It suggests the risk level is consistent with a growth profile. Still, past returns only show how this exact mix handled previous conditions, which might not repeat, so expectations for the future should stay realistically wide.

Projection Info

The Monte Carlo results show how this portfolio could behave in many different future paths using historical data and volatility patterns. Running 1,000 simulations gave an average annualized return of 18.2%, with most outcomes positive and a very wide spread: the 5th percentile ending at about 33.6% total growth and the median around 620.8%. Monte Carlo is like rolling loaded dice thousands of times to see a range of possible endings, not a single prediction. It’s useful for stress‑testing plans, but it inherits all the biases of history, so it should guide expectations, not guarantee an outcome.

Asset classes Info

  • Stocks
    100%

All of the invested money sits in one asset class: stocks. That creates strong growth potential but no built‑in buffer from bonds, cash, or alternatives. Compared with many growth benchmarks that still hold a small slice of defensive assets, this setup is more “all in” on equity risk. The low diversification score reflects this single‑asset‑class structure. For someone comfortable riding out deep, multi‑year drawdowns, this can be fine. For anyone who worries about needing cash during downturns, adding even a modest non‑stock sleeve in a separate account could help smooth the ride without changing the core growth focus.

Sectors Info

  • Technology
    46%
  • Financials
    12%
  • Consumer Discretionary
    9%
  • Industrials
    8%
  • Telecommunications
    7%
  • Health Care
    7%
  • Energy
    4%
  • Consumer Staples
    3%
  • Basic Materials
    2%
  • Real Estate
    2%
  • Utilities
    1%

The sector breakdown is the standout feature: roughly 46% in technology, plus another 10% in semiconductors through a focused fund. That’s a big tilt compared with broad market norms where tech is significant but not almost half the portfolio. Tech‑heavy portfolios tend to shine in falling‑rate and innovation‑driven environments but can be hit hard when interest rates rise or sentiment turns on growth names. The presence of financials, consumer, industrials, and healthcare is helpful and aligns reasonably with broad benchmarks, but they play a supporting role. Clarifying whether this tech concentration is a deliberate conviction bet can guide future tweaks.

Regions Info

  • North America
    98%
  • Europe Developed
    1%
  • Asia Developed
    1%

Geographically, this portfolio is almost entirely in North America, mainly the US, with tiny exposure to developed Europe and Asia. That’s a strong home‑bias compared with global benchmarks, which usually devote a substantial slice to international markets. The upside is simplicity and alignment with the investor’s local economy, which many people find psychologically easier to stick with during volatility. The trade‑off is missing some diversification benefits when non‑US markets behave differently. If reducing dependence on US policy, currency, and sector cycles feels important, gradually adding a small global stock component elsewhere could round out geographic risk without changing the core approach.

Market capitalization Info

  • Mega-cap
    35%
  • Large-cap
    27%
  • Mid-cap
    16%
  • Small-cap
    12%
  • Micro-cap
    9%

The market‑cap mix is actually quite healthy: about 35% mega, 27% big, 16% mid, 12% small, and 9% micro. That’s broader than many standard indexes, helped by the small‑cap value ETF. This spread gives exposure to both stable giants and more volatile smaller companies that can drive higher long‑term returns but swing more in the short run. Compared with many benchmarks that lean very heavily on mega‑caps, this looks slightly more diversified within equities, which is a plus. Keeping this broad mix while making any future changes can help avoid over‑relying on just a handful of huge names.

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 a basic Efficient Frontier view—where “efficiency” means getting the most return for a given level of risk using only the current holdings—this portfolio sits on the aggressive side. Efficient Frontier analysis looks at historical returns and volatility of these exact funds and asks: “Is there a mix of them that offers either similar return with less volatility, or higher expected return at the same volatility?” With four holdings, there is room to slightly rebalance weights, for example dialing in how much to lean into concentrated tech versus broad market and small‑cap value. Any shifts here wouldn’t add new assets, just fine‑tune risk‑return trade‑offs.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Fidelity® MSCI Information Technology Index ETF 0.40%
  • Schwab U.S. Broad Market ETF 1.10%
  • Invesco PHLX Semiconductor ETF 0.50%
  • Weighted yield (per year) 1.01%

The overall dividend yield of around 1.0% is on the low side, which fits a growth‑oriented, tech‑tilted equity portfolio. The small‑cap value ETF’s higher yield (about 1.6%) adds a modest income component, while the tech and semiconductor funds contribute less, as many growth companies reinvest profits instead of paying large dividends. For someone mainly focused on long‑term capital growth rather than current income, this setup makes sense and aligns with the profile. If stable cash flow were ever to become more important, shifting a slice toward higher‑yielding stock or non‑stock holdings in a separate bucket could better match that goal.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity® MSCI Information Technology Index ETF 0.08%
  • Schwab U.S. Broad Market ETF 0.03%
  • Invesco PHLX Semiconductor ETF 0.19%
  • Weighted costs total (per year) 0.09%

The total expense ratio around 0.09% is impressively low for an active growth‑tilted equity mix. Most of the weight sits in very low‑cost funds, and even the pricier small‑cap value and semiconductor ETFs are still reasonable. Costs matter because they compound over time just like returns: shaving even 0.3–0.5 percentage points per year can mean thousands more in the long run. This cost profile is well‑aligned with best practices and supports strong long‑term performance. Keeping this focus on low fees when making any future adjustments is a simple way to protect returns without changing the overall risk profile.

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