Strong US equity portfolio with heavy technology tilt and competitive long term historical performance
Report created on May 6, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 Value Index Fund ETF Shares
VOOV - US9219327031 47.30% -
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 22.30% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 14.90% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 12.50% -
VE Vanguard FTSE All-World ex-US Index Fund ETF Shares
VEU - US9220427754 3.00%
This portfolio is a concentrated all‑equity mix built mainly from broad US index ETFs with a couple of growth‑oriented satellites. Roughly 70% sits in diversified US exposure through a value‑tilted S&P 500 fund and a total market fund. Around 27% is focused on growth and technology via a semiconductor ETF and a NASDAQ‑100 ETF, while only about 3% is allocated to stocks outside the US. This structure creates a clear core‑and‑satellite setup: a broad, diversified core plus targeted thematic and growth layers. That kind of build can capture overall market returns while leaning into specific growth areas, but it also means portfolio behavior is heavily shaped by equity markets, particularly US and tech‑related moves.
Growth
Over the period from late 2020 to April 2026, a hypothetical $1,000 in this portfolio grew to about $2,634. That’s a compound annual growth rate (CAGR) of 19.16%, meaning the value increased roughly 19% per year on average, like calculating average speed over a long trip. This outpaced both the US market (15.27% CAGR) and global stocks (13.07% CAGR). The worst peak‑to‑trough drop, or max drawdown, was about −25.8%, similar to the US and global markets. That shows the portfolio has delivered higher returns with comparable downside so far, though this relies on a tech‑friendly period and past results can’t guarantee future outcomes.
Projection
The Monte Carlo projection uses many simulated future paths to estimate where a $1,000 investment might land over 15 years. It takes the historical pattern of returns and volatility, then “reshuffles” it thousands of times to see a wide range of possibilities. The median outcome is around $2,813, with a central band (25th–75th percentile) from about $1,837 to $4,224. The wider 5th–95th range runs from roughly $991 to $7,580, showing that outcomes could be much lower or much higher. The average simulated annual return is 8.09%, with about a 75% chance of ending positive. These are rough guides, not promises, and depend heavily on future markets resembling the past.
Asset classes
- Stocks 100%
All of the portfolio is invested in stocks, with 0% in bonds, cash, or alternative assets. This pure‑equity structure tends to offer higher long‑term growth potential than mixed stock‑bond portfolios, because stocks historically have higher expected returns. The trade‑off is greater sensitivity to market swings, since there’s no built‑in cushion from more defensive asset classes. Compared with many diversified benchmarks that include bonds or other assets, this setup is more growth‑oriented. That aligns with the “Balanced” risk label only in the sense of product rating; in practice, returns will likely move more like a classic equity portfolio, especially during sharp market corrections.
Sectors
- Technology 38%
- Financials 11%
- Consumer Discretionary 9%
- Health Care 9%
- Industrials 8%
- Consumer Staples 7%
- Telecommunications 6%
- Energy 5%
- Utilities 3%
- Basic Materials 3%
- Real Estate 2%
Sector exposure is clearly tilted toward technology at 38%, with the rest spread across financials, consumer, health care, industrials, and other areas. This tech weight is noticeably higher than broad global equity benchmarks, largely because of the NASDAQ‑100 and semiconductor ETFs. Tech‑heavy portfolios often benefit during periods of innovation and strong earnings growth but can be more sensitive when interest rates rise or when growth expectations cool. The rest of the sectors are reasonably balanced, which helps avoid being driven by just one area of the economy. Still, the technology emphasis is a defining feature and will strongly influence the portfolio’s ups and downs.
Regions
- North America 94%
- Europe Developed 3%
- Asia Developed 2%
- Asia Emerging 1%
Geographically, about 94% of the portfolio is in North America, mainly the US, with only small slices in developed Europe, developed Asia, and emerging Asia. Global equity benchmarks typically have a larger share outside the US, so this is a clear US‑centric stance. A strong US focus has been rewarded in recent years because US markets, especially large growth and tech names, have outperformed many other regions. The flip side is that economic, policy, or currency shocks affecting the US will be felt almost everywhere in this portfolio. The small non‑US allocation does add some international flavor but doesn’t materially change the US‑dominated risk profile.
Market capitalization
- Large-cap 40%
- Mega-cap 36%
- Mid-cap 21%
- Small-cap 2%
Market capitalization exposure leans heavily toward the largest companies: 36% in mega‑caps and 40% in large‑caps, with smaller portions in mid‑caps (21%) and small‑caps (2%). This is broadly consistent with cap‑weighted benchmarks but skews even more toward giants through the NASDAQ‑100 and semiconductor holdings. Larger companies often provide greater stability and liquidity than smaller ones, and they tend to dominate index returns. The modest mid‑cap and minimal small‑cap slices add a bit of diversification and growth potential but won’t drive overall behavior. In practice, the portfolio will move largely in line with the fortunes of very large, well‑known companies.
True holdings
-
AA Apple Inc 5.46%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 Value Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
NV NVIDIA Corporation 5.00%
Part of fund(s):- Invesco NASDAQ 100 ETF
- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 3.02%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 Value Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.14%
Part of fund(s):- Invesco NASDAQ 100 ETF
- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 1.64%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Taiwan Semiconductor Manufacturing 1.56%
Part of fund(s):- VanEck Semiconductor ETF
-
TS Tesla Inc 1.48%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 Value Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
WM Walmart Inc. 1.35%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 Value Index Fund ETF Shares
-
XO Exxon Mobil Corp 1.24%
Part of fund(s):- Vanguard S&P 500 Value Index Fund ETF Shares
-
IN Intel Corporation 1.10%
Part of fund(s):- VanEck Semiconductor ETF
- Top 10 total 23.99%
Looking through the ETFs, the top underlying company exposures include Apple, NVIDIA, Amazon, Broadcom, Microsoft, and several other mega‑cap names, with Apple and NVIDIA each around 5% of the total. Some of these companies appear in multiple ETFs, creating overlap that magnifies their influence. For example, a stock held in the NASDAQ‑100, total market, and semiconductor funds can quietly stack up. Because only top‑10 ETF holdings are captured here, true overlap is likely somewhat higher. This kind of concentration means a handful of large tech‑related names can have an outsized impact on portfolio returns, both on the upside and during sharp pullbacks.
Factors
Factor exposures across value, size, momentum, quality, yield, and low volatility all sit in the “neutral” range, close to 50%. Factors are characteristics like value (cheap vs. expensive) or momentum (recent winners vs. losers) that research links to long‑term return patterns. A neutral score means the portfolio behaves broadly like the overall market on these dimensions, without strong tilts toward classic factor styles. That’s somewhat interesting given the visible tech tilt: at the aggregate level, the mix of value‑tilted and growth‑oriented funds seems to offset, leaving a balanced factor profile. This can lead to more benchmark‑like behavior despite some thematic emphasis.
Risk contribution
-
Vanguard S&P 500 Value Index Fund ETF Shares
Weight: 47.30% 35.7% -
VanEck Semiconductor ETF
Weight: 14.90% 25.7% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 22.30% 21.6% -
Invesco NASDAQ 100 ETF
Weight: 12.50% 14.7% -
Vanguard FTSE All-World ex-US Index Fund ETF Shares
Weight: 3.00% 2.3%
Risk contribution shows how much each holding drives the portfolio’s overall volatility, which can differ from its weight. The semiconductor ETF is only 14.9% of the portfolio but contributes about 25.7% of total risk, with a risk/weight ratio of 1.73 — a sign of high volatility. By contrast, the large S&P 500 value position is 47.3% of the weight yet only 35.7% of risk. The top three holdings together contribute 83% of portfolio risk, indicating meaningful concentration in a few funds. This pattern is common when a smaller, more volatile satellite position punches above its weight in shaping day‑to‑day moves.
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 this portfolio’s risk/return to what could be achieved using the same holdings with different weights. The current portfolio has a Sharpe ratio of 0.82, below both the maximum‑Sharpe mix (1.09) and even the minimum‑variance mix (0.90). The Sharpe ratio measures return per unit of risk above the risk‑free rate; higher is better from a risk‑adjusted perspective. At the current risk level (about 17.5% volatility), the portfolio sits roughly 1.7 percentage points below the efficient frontier, meaning the same ingredients could, in theory, be combined in a way that historically delivered a better trade‑off between risk and return without adding new funds.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- VanEck Semiconductor ETF 0.20%
- Vanguard FTSE All-World ex-US Index Fund ETF Shares 2.70%
- Vanguard S&P 500 Value Index Fund ETF Shares 1.70%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Weighted yield (per year) 1.22%
The portfolio’s overall dividend yield is around 1.22%, with individual ETF yields ranging from roughly 0.2% for the semiconductor fund to 2.7% for the ex‑US ETF. That’s on the lower side compared with more income‑focused strategies but typical for growth‑oriented and tech‑heavy mixes. Dividends represent a steady cash component of total return, alongside price changes. Here, most of the historical performance has likely come from capital gains rather than income. For investors who care about predictable cash flows, a lower yield means more reliance on selling shares when money is needed, whereas reinvesting dividends can quietly boost long‑term compounding.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- VanEck Semiconductor ETF 0.35%
- Vanguard FTSE All-World ex-US Index Fund ETF Shares 0.07%
- Vanguard S&P 500 Value Index Fund ETF Shares 0.10%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.13%
Portfolio costs are impressively low, with a weighted total expense ratio (TER) of about 0.13%. TER is the annual fee charged by the ETFs, taken directly from fund assets, so you never see a bill but returns are slightly reduced over time. This level is very competitive relative to typical active funds and even many passive options. Low ongoing costs help more of the portfolio’s gross returns reach the investor, which matters a lot over multi‑decade horizons. In this case, the fee structure is a real strength: it allows the portfolio’s composition and market exposure, rather than drag from expenses, to be the main drivers of long‑term outcomes.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey