Balanced growth portfolio tilted to US quality leaders and mildly concentrated in technology
Report created on Mar 19, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
What type of investor this portfolio is suitable for
Balanced Investors
An investor aligned with this portfolio is comfortable with stock‑market ups and downs and has a long‑term mindset, often 10 years or more. They care more about growing wealth than about maximizing current income, but still appreciate some dividend support and real‑estate exposure. A moderate‑to‑high risk tolerance fits, with willingness to sit through 20–30% drawdowns without panicking. They likely prefer simple, low‑cost funds over frequent trading or stock‑picking, yet are open to thoughtful tilts toward quality, smaller companies, and global diversification. Clear goals might include retirement savings, long‑term wealth building, or funding major future life events rather than near‑term cash needs.
Positions
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Vanguard S&P 500 ETF
VOO - US9229083632 35.00% -
VanEck Morningstar Wide Moat ETF
MOAT - US92189F6438 20.00% -
Invesco NASDAQ 100 ETF
QQQM - US46138G6492 15.00% -
Pacer US Small Cap Cash Cows 100 ETF
CALF - US69374H8575 10.00% -
Vanguard Real Estate Index Fund ETF Shares
VNQ - US9229085538 10.00% -
Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
This portfolio is a focused all‑equity mix, with roughly 89% in general stocks and 10% in listed real estate. The core is a broad US index fund, complemented by quality‑tilted, small‑cap, growth, and international ETFs. This sort of structure blends a “plain vanilla” core with a few targeted satellites that slightly lean into specific themes. That’s useful because the core keeps things simple and diversified, while the satellites can nudge long‑term returns or income. Overall, the blend fits well with a balanced risk profile: it’s clearly growth‑oriented, but not wildly concentrated in any single fund or niche strategy, which is a healthy starting point for long‑term investing.
Growth
Historically, the portfolio shows a 13.12% compound annual growth rate (CAGR), meaning it has grown about 13% per year on average. Max drawdown of ‑26.34% is the worst peak‑to‑trough fall, which is significant but normal for an equity‑heavy mix. A small number of days (20) made up 90% of total returns, underlining how missing big up days can hurt outcomes. Versus typical broad benchmarks like the S&P 500 or global equity indices, a CAGR above 10% with drawdowns in the mid‑20s is generally strong and consistent with a growth tilt. Just remember that past returns are not a promise, and future cycles can look very different.
Projection
The Monte Carlo simulation runs 1,000 possible futures using historical return and volatility patterns, then shows a range of outcomes. The median result (50th percentile) of roughly +389.5% suggests that, if markets behave similarly to the past, the portfolio could more than quadruple over a long horizon. The 5th percentile outcome around +39.5% reflects a tough but still positive path, while the upper range reaches much higher gains. An average simulated annual return of 13.63% matches the backward‑looking results quite closely. Simulations are just “what‑if” scenarios based on history, though, so they can’t capture regime changes or rare shocks that never appeared in the data.
Asset classes
- Stocks 89%
- Real Estate 10%
Asset‑class exposure is straightforward: about 89% in equities and 10% in listed real estate, with virtually no bonds or cash. Compared with a classic “balanced” portfolio that might hold 40–60% bonds, this is firmly on the growth side, more like an equity‑plus‑income mix. The real‑estate slice adds a distinct source of return and can behave differently from general stocks, especially around inflation or interest‑rate shifts. That said, the lack of fixed income means drawdowns will feel more like a stock portfolio than a traditional balanced fund. This structure usually makes most sense for long time horizons and investors who can ride through sizeable market swings.
Sectors
- Technology 28%
- Real Estate 11%
- Industrials 10%
- Consumer Discretionary 10%
- Health Care 10%
- Consumer Staples 8%
- Telecommunications 8%
- Financials 8%
- Energy 3%
- Basic Materials 2%
- Utilities 1%
Sector exposure is led by technology at 28%, with meaningful allocations to real estate, industrials, consumer cyclicals, healthcare, consumer defensive, communications, and financials. Compared with broad global or US benchmarks, tech is somewhat overweight, and utilities are underweight. A tech tilt can help when innovation‑driven companies lead the market, as they have in recent years, but it can also raise sensitivity to interest rates and sentiment shifts. The presence of defensives like healthcare and consumer staples provides some balance and supports resilience in slower economic periods. Overall, this sector mix is growth‑leaning but still well spread across the major parts of the economy.
Regions
- North America 90%
- Europe Developed 5%
- Asia Emerging 2%
- Japan 2%
- Asia Developed 1%
Geographically, the portfolio is very US‑centric: around 90% in North America, with modest slices in developed Europe, Japan, and a small amount in emerging Asia. Compared with a global equity benchmark, which might hold closer to 60% in the US, this is a clear home‑bias tilt. That has been a tailwind over the last decade because US markets outperformed much of the world. The trade‑off is higher sensitivity to US policy, currency, and economic cycles. A slightly larger non‑US allocation would typically smooth out country‑specific risks, but the current stance is aligned with many US‑based investors who prefer familiarity and the depth of US capital markets.
Market capitalization
- Mega-cap 30%
- Large-cap 30%
- Mid-cap 27%
- Small-cap 9%
- Micro-cap 3%
By market cap, the portfolio is nicely spread: about 30% mega‑cap, 30% big, 27% mid, 9% small, and a small 3% in micro‑caps. This is more diversified across company size than a plain S&P 500 allocation, largely thanks to the dedicated small‑cap and real‑estate positions. Exposure beyond mega‑caps can boost returns when smaller and mid‑sized firms go through strong growth phases, though these segments tend to be more volatile. The mix here looks thoughtfully balanced: enough mega‑caps to anchor the ride, and enough smaller companies to provide upside potential. This alignment with size diversification best practices is a real strength of the portfolio.
True holdings
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NVIDIA Corporation 3.87%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Apple Inc 3.43%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Microsoft Corporation 2.61%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Amazon.com Inc 1.88%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Alphabet Inc Class A 1.60%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Vanguard REIT II Index Fund Institutional Plus Shares 1.44%Part of fund(s):
- Vanguard Real Estate Index Fund ETF Shares
-
Meta Platforms Inc. 1.38%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Broadcom Inc 1.35%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Alphabet Inc Class C 1.35%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
-
Tesla Inc 1.26%Part of fund(s):
- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Broad Market ETF
- Vanguard S&P 500 ETF
- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 20.17%
Looking through the ETFs, the largest underlying exposures are familiar US mega‑caps like NVIDIA, Apple, Microsoft, Amazon, and Alphabet, each sitting around 1–4% of the portfolio via multiple funds. This shows some hidden concentration: a single company can appear in the S&P 500 ETF, the NASDAQ 100 ETF, and the wide‑moat ETF at the same time. Overlap data only uses ETF top‑10 holdings, so real overlap is likely a bit higher. This isn’t necessarily bad, because these are strong, diversified companies, but it does mean portfolio behavior is somewhat tied to a small group of big US technology‑driven names.
Factors
Factor exposure shows strong tilts to size, quality, and yield, with moderate signals in value, momentum, and low volatility. Factors are like the “ingredients” behind returns: quality means profitable, stable companies; yield leans toward higher‑dividend payers; size here reflects some tilt away from only the very largest stocks. A quality and yield tilt often cushions portfolios in rough markets compared with pure growth bets, while the size tilt adds some punch in periods when smaller and mid‑sized companies outperform giants. Signal coverage is around 44%, so the picture isn’t perfect, but the dominance of quality and yield suggests a sensible balance between offense and defense.
Risk contribution
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Vanguard S&P 500 ETF
Weight: 35.00% 33.8% -
VanEck Morningstar Wide Moat ETF
Weight: 20.00% 20.2% -
Invesco NASDAQ 100 ETF
Weight: 15.00% 17.9% -
Pacer US Small Cap Cash Cows 100 ETF
Weight: 10.00% 11.8% -
Vanguard Real Estate Index Fund ETF Shares
Weight: 10.00% 8.4% - Top 5 risk contribution %
Risk contribution shows how much each holding adds to overall volatility, which can differ from its weight. The S&P 500 ETF is 35% of the portfolio and contributes about 33.8% of risk, almost one‑for‑one. The wide‑moat ETF at 20% weight contributes 20.19% of risk, also well aligned. NASDAQ 100 and small‑cap “cash cows” punch slightly above their weight with risk‑to‑weight ratios around 1.2, which is expected given their growth and smaller‑cap focus. Real estate contributes less risk than its weight, offering some diversification. With the top three holdings driving about 72% of total risk, this is concentrated but still quite reasonable for a focused six‑ETF lineup.
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.
The risk‑return optimization analysis compares your current mix against an “efficient frontier,” which is the set of best possible return‑for‑risk combinations using only these six ETFs in different weights. Your current allocation sits close to this frontier, with a Sharpe ratio (return per unit of volatility) that looks competitive versus the optimal and minimum‑risk portfolios. That means the existing weights already use these building blocks in an efficient way, especially for a balanced risk score of 4/7. Any further tuning would likely be about fine‑tuning preferences—like slightly less tech or slightly more international—rather than fixing a structural inefficiency in risk/return.
Dividends
- Pacer US Small Cap Cash Cows 100 ETF 1.40%
- VanEck Morningstar Wide Moat ETF 1.40%
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard Real Estate Index Fund ETF Shares 3.80%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 3.10%
- Weighted yield (per year) 1.60%
Overall dividend yield is about 1.6%, driven mainly by the real estate ETF and the international fund, with smaller contributions from the US core and factor ETFs. This is lower than a dedicated income strategy but reasonable for a growth‑tilted equity mix. Dividends here play a secondary role: they provide some cash flow and can slightly cushion returns during flat markets, but most of the long‑term outcome will come from price appreciation. For investors who do not need high current income and focus on long‑term growth, this yield level is quite normal and the mix of payers looks healthy and sustainable.
Ongoing product costs
- Pacer US Small Cap Cash Cows 100 ETF 0.59%
- VanEck Morningstar Wide Moat ETF 0.47%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard Real Estate Index Fund ETF Shares 0.12%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.20%
The blended total expense ratio (TER) is about 0.20%, which is impressively low for a portfolio that combines broad market, factor, real‑estate, and international exposures. Most core holdings sit in the single‑digit basis‑point range, with only the small‑cap cash‑cows and wide‑moat ETFs charging higher but still reasonable fees. Costs compound quietly over time, so saving even 0.3–0.5% per year compared with average active funds can translate into a large difference over decades. This cost structure is a definite strong point and supports better long‑term performance without sacrificing diversification or factor tilts.
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