Concentrated US equity portfolio blending broad market core with value dividend and momentum tilts
Report created on Apr 26, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
CO Pacer US Cash Cows 100 ETF
COWZ - US69374H8815 10.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 10.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 10.00%
This portfolio is a 100% stock mix made up entirely of five US-focused ETFs. A big chunk, 60%, sits in a broad S&P 500 tracker, which forms the core. The remaining 40% is split evenly across small-cap value, high free-cash-flow “cash cows,” dividend equities, and a momentum strategy, each at 10%. This structure layers several active tilts on top of a plain index base. That combination means the portfolio behaves broadly like the US market but with extra sensitivity to specific styles such as value and momentum. It’s a fairly concentrated setup in one country and one asset class, which helps clarity but limits diversification across other growth and defensive levers.
Growth
Over the period from late 2019 to April 2026, $1,000 grew to about $2,655, a compound annual growth rate (CAGR) of 16.06%. CAGR is the “average speed” of growth per year, smoothing the bumps along the way. This slightly edged out the US market benchmark at 15.85% and clearly beat the global market at 13.32%. The worst peak‑to‑trough drop was about -35% during the early 2020 crash, a bit deeper than the benchmarks but recovering within five months. That pattern—modest outperformance with similar drawdowns—is consistent with a growth‑oriented, US‑heavy equity portfolio. The fact that 90% of returns came from only 22 days shows how missing a handful of strong days would have significantly impacted results.
Projection
The Monte Carlo projection uses historical returns and volatility to simulate many possible 15‑year paths for $1,000. Think of it as rolling the dice 1,000 times using past patterns to guess future ups and downs, but with each run slightly different. The median outcome around $2,757 implies a central annualized return of roughly 7.9%, with a 25–75% “likely” range of about $1,866–$3,997. The 5–95% range is much wider, from a small loss to strong growth. This highlights that even with the same starting point and strategy, outcomes can vary a lot. As always, these simulations are based on history and assumptions, so they illustrate possibilities rather than giving any guarantees.
Asset classes
- Stocks 100%
All of the holdings are equities, so the portfolio’s asset class exposure is 100% stocks and 0% bonds or cash. That makes return potential closely tied to corporate earnings and equity market cycles, with little built‑in shock absorber from traditionally steadier assets. Compared with more mixed portfolios that blend stocks with bonds or cash, this structure naturally carries more volatility and deeper drawdowns when markets drop. On the upside, it fully participates when equities rally, and there’s no drag from lower‑return asset classes. This is consistent with the “growth” risk classification and the mid‑high risk score, but it also explains the low diversification score since diversification across asset classes is minimal.
Sectors
- Technology 29%
- Financials 12%
- Health Care 11%
- Consumer Discretionary 10%
- Industrials 9%
- Telecommunications 9%
- Energy 8%
- Consumer Staples 7%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector-wise, the portfolio is clearly equity‑diversified but with a strong tilt toward technology at 29%. Financials, health care, consumer discretionary, and industrials together make up a large secondary block, while areas like basic materials, utilities, and real estate are small. This layout broadly resembles a modern US equity benchmark but with a bit more emphasis on economically sensitive and growth‑oriented segments. Tech‑heavy allocations often benefit when innovation and earnings growth dominate, but they can be more volatile when interest rates rise or sentiment shifts away from growth. Overall, the sector mix is reasonably balanced and aligns fairly well with broad US market standards, which is a good sign for sector diversification.
Regions
- North America 99%
Geographically, about 99% of the portfolio is in North America, effectively making it a pure US‑centric equity strategy. That kind of home bias is common, and US markets have been strong historically, but it also means almost all risk is tied to one economy, currency, and policy environment. Many global benchmarks give a larger share to other regions, so this portfolio is more concentrated geographically than a world index. In practice, if the US underperforms other regions over a stretch, this portfolio won’t benefit much from strength abroad. On the other hand, it closely tracks the fortunes of the US corporate sector, which has dominated global equity returns in recent years.
Market capitalization
- Large-cap 39%
- Mega-cap 31%
- Mid-cap 20%
- Small-cap 6%
- Micro-cap 5%
By market capitalization, the portfolio spreads across the size spectrum: around 70% in mega and large caps, 20% in mid caps, and roughly 11% in small and micro caps combined. This leans clearly toward bigger, established companies but still gives meaningful exposure to smaller firms, mainly via the small‑cap value ETF. Larger companies tend to offer more stability and liquidity, while smaller ones can be more volatile but sometimes deliver stronger long‑term growth. Compared with a pure large‑cap index, this mix slightly increases size diversification and introduces some distinct behavior from smaller stocks, which often move differently across market cycles.
True holdings
-
NV NVIDIA Corporation 5.48%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.00%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.95%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.40%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.29%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.18%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.84%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.34%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.12%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 0.94%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 24.55%
Looking through ETF top holdings, several big US names—NVIDIA, Apple, Microsoft, Broadcom, Alphabet, Amazon, Meta, Tesla, and Berkshire Hathaway—show up prominently. NVIDIA and Apple together account for over 9% of the visible exposure, and multiple appearances across different ETFs can amplify their influence. Because only ETF top‑10 data is used, actual overlap may be higher, but the pattern already signals some hidden concentration in a handful of mega‑cap growth and tech‑related names. This is typical for US equity products today, as many indices are market‑cap‑weighted. It means that when these giants move sharply, they can drive a noticeable share of the total portfolio’s short‑term ups and downs.
Factors
Factor exposure shows one clear tilt: value is high at 61%, meaning the portfolio leans toward stocks that look cheaper on fundamentals like earnings or book value relative to price. Factor exposure is basically how much the portfolio leans into characteristics—value, size, momentum, quality, low volatility, yield—that research links to returns. Here, size, momentum, quality, low volatility, and yield all sit near neutral, so they behave roughly like the broad market. A meaningful but not extreme value tilt can help when cheaper companies outperform more expensive growth names, though it may lag during strong growth-led rallies. Overall, the factor profile is fairly balanced with a modest value emphasis layered on top.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 60.00% 59.4% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 12.3% -
Pacer US Cash Cows 100 ETF
Weight: 10.00% 9.9% -
Invesco S&P 500® Momentum ETF
Weight: 10.00% 9.9% -
Schwab U.S. Dividend Equity ETF
Weight: 10.00% 8.5%
Risk contribution measures how much each holding adds to the portfolio’s total volatility, which can differ from its simple weight. The S&P 500 ETF is 60% of the portfolio and contributes about 59% of the risk, almost one‑for‑one. The small‑cap value ETF is more interesting: at 10% weight, it drives about 12.3% of risk, showing it’s a bit riskier than its size suggests. The dividend ETF contributes less risk than its 10% allocation, reflecting its steadier profile. The top three holdings together account for about 81.6% of overall risk, so while the mix is diversified across strategies, most of the portfolio’s movement still comes from a relatively small set of positions.
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 chart compares the current portfolio with two theoretical mixes: the minimum variance portfolio and the max‑Sharpe (risk‑adjusted) portfolio built from the same holdings. Sharpe ratio is like return per unit of risk, after subtracting a risk‑free rate. Here, the current Sharpe of 0.65 is below both the max‑Sharpe 0.91 and the minimum‑variance 0.77, and the portfolio sits about 2 percentage points below the efficient frontier at its risk level. That means, based on historical relationships between these five ETFs, a different weighting of the same ingredients could have offered higher expected return for the same risk, or similar return for less risk, without adding new funds.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Pacer US Cash Cows 100 ETF 2.10%
- Schwab U.S. Dividend Equity ETF 3.40%
- Invesco S&P 500® Momentum ETF 0.80%
- Vanguard S&P 500 ETF 1.10%
- Weighted yield (per year) 1.42%
The portfolio’s overall dividend yield is about 1.42%, combining lower‑yield growth and momentum exposure with a higher‑yield dividend ETF. Yield is simply the annual cash payout as a percentage of price, and it can be a modest but steady contributor to total return alongside price movements. The Schwab dividend ETF stands out with a 3.40% yield, while the momentum and S&P 500 funds sit on the lower end. This mix leans more toward total return than pure income, which is typical for growth‑oriented US equity portfolios. Dividends can help smooth returns a bit over time, but here they are a secondary feature rather than the main driver.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Pacer US Cash Cows 100 ETF 0.49%
- Schwab U.S. Dividend Equity ETF 0.06%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.11%
Portfolio costs, measured by Total Expense Ratio (TER), average out to about 0.11%, which is impressively low for an ETF mix with several factor tilts. TER is the annual fee charged by a fund, taken out of assets rather than billed directly, so it quietly reduces returns each year. The broad S&P 500 ETF is extremely cheap at 0.03%, and even the priciest component, the cash cows ETF at 0.49%, is held at only 10% weight. Low ongoing costs give more of the gross market return to the investor, and over long periods that small difference can compound meaningfully. Overall, this cost structure is a strong positive feature.
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