Concentrated US growth portfolio with strong equity focus and modest defensive income tilt
Report created on Apr 13, 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.
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
VP Vanguard Utilities Index Fund ETF Shares
VPU - US92204A8760 20.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 10.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 10.00%
The portfolio is built entirely from four US-listed stock ETFs, with 100% in equities and no bonds or cash buffers. A broad total market fund dominates at 60%, supported by 20% in utilities, 10% in momentum stocks, and 10% in information technology. This structure mixes a core “own the market” approach with targeted tilts toward defensiveness and growth. A pure-stock allocation is powerful for long-term compounding but also exposes the full ride of equity ups and downs. The mix here leans toward growth but still keeps one explicitly defensive sleeve. For someone comfortable with swings in value, this is a coherent, growth-oriented way to structure a simple portfolio.
Growth
Historically, $1,000 grew to about $3,951 over ten years, a compound annual growth rate (CAGR) of 16.85%. CAGR is like your average yearly “speed” over the full journey. That slightly beat the US market’s 16.42% and clearly outpaced the global market’s 13.54%, showing the tilts added some extra punch. The max drawdown was around -34%, similar to the benchmarks in the 2020 crash, meaning the downside has been in line with riskier stock markets. Only 34 days delivered 90% of returns, underscoring how missing a few big days can matter. This track record is strong, but it’s still just one decade; future results can easily differ.
Projection
The Monte Carlo projection uses many randomized paths based on historical return and volatility patterns to estimate future ranges, rather like running 1,000 “what if” market simulations. Over 15 years, the median outcome of $2,841 suggests an annualized return around 8.2%, with roughly three-quarters of simulations ending positive. The central band between about $1,766 and $4,269 shows how wide results can spread even with the same starting point. Importantly, there’s also a meaningful chance of just breaking even or doing far better than expected. These are scenarios, not promises; markets don’t repeat the past perfectly, especially over long horizons.
Asset classes
- Stocks 100%
Asset allocation is simple: 100% stocks, 0% bonds, 0% alternatives. That’s aggressive compared with many blended portfolios that mix in fixed income or other assets to soften volatility. A stock-only approach maximizes exposure to long-term growth but also exposes everything to equity bear markets and recessions. There’s no structural cushion from bond price rallies when stocks fall. This structure fits people who can ride out deep drawdowns without needing to sell during stress. For anyone with shorter horizons or who loses sleep in big downturns, folding in other asset classes could better align day-to-day experience with comfort levels.
Sectors
- Technology 33%
- Utilities 21%
- Financials 8%
- Industrials 8%
- Health Care 7%
- Telecommunications 7%
- Consumer Discretionary 6%
- Consumer Staples 4%
- Energy 3%
- Real Estate 2%
- Basic Materials 2%
Sector exposure is tilted heavily toward technology at 33% and utilities at 21%, with the rest spread across financials, industrials, health care, telecom, consumer, energy, real estate, and materials. Compared with broad market norms, utilities are meaningfully overweight, and tech is also elevated thanks to the dedicated IT ETF. This combination mixes growthy, rate-sensitive tech with more stable, income-focused utilities. During periods of rising interest rates, both sectors can see pressure: tech from discounted future growth, utilities from competition with higher-yielding cash or bonds. On the flip side, strong innovation cycles or stable-rate environments tend to benefit this configuration.
Regions
- North America 100%
Geographically, the portfolio is a pure North America play at 100% exposure, entirely missing developed and emerging markets elsewhere. That’s a big tilt away from global market weights, where non-US markets account for a substantial share of world equity value. Concentrating in one region simplifies currency and tax considerations but also ties results tightly to the US economy, policy, and interest rate environment. If the US continues to outperform, this can look smart; if other regions lead for a decade, returns might lag global indexes. A more global mix would generally spread geopolitical and economic risk more evenly.
Market capitalization
- Mega-cap 33%
- Large-cap 33%
- Mid-cap 25%
- Small-cap 6%
- Micro-cap 2%
Market capitalization exposure is anchored in larger companies: about 33% mega-cap, 33% large-cap, 25% mid-cap, with small and micro-caps together under 10%. That leans close to broad index norms and avoids extreme bets on tiny companies. Large and mega-caps often provide more stability, liquidity, and durable business models, while the mid-cap slice adds some growth potential and diversification. Smaller caps here are more of a seasoning than a core driver, which can help avoid the intense volatility that comes with heavy small-cap tilts. Overall, this size mix is balanced and broadly aligns with mainstream index construction.
True holdings
-
NV NVIDIA Corporation 6.42%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 5.12%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.69%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.54%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
-
NE Nextera Energy Inc 2.39%
Part of fund(s):- Vanguard Utilities Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.14%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.83%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.69%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.28%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
SO Southern Company 1.28%
Part of fund(s):- Vanguard Utilities Index Fund ETF Shares
- Top 10 total 28.36%
Looking through the ETFs, there’s notable overlap in mega-cap names like NVIDIA, Apple, Microsoft, Broadcom, Alphabet, Amazon, and Meta. NVIDIA alone shows up at over 6% and Apple above 5%, even though there’s no single-stock position. Overlap matters because it quietly concentrates risk in a handful of big US growth companies, especially in tech and communication businesses. Since only ETF top-10 holdings are captured, the true overlap is likely higher across the full portfolios. This hidden clustering can boost returns when these giants lead, but it also means portfolio performance is more tied to their fortunes than the headline ETF list suggests.
Factors
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 strikingly neutral across value, size, momentum, quality, yield, and low volatility, all hovering near the 50% mark. Factors are like the ingredients driving returns — for example, value (cheap vs. expensive), size (small vs. big), or momentum (recent winners). A neutral profile means behavior should roughly match the broad market rather than leaning heavily on any one style. This reduces the risk of long periods of underperformance tied to a single factor falling out of favor. It also means there’s no strong built-in tilt to cushion certain environments, such as defensive low-volatility in crashes or deep value in recoveries.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 61.7% -
Vanguard Utilities Index Fund ETF Shares
Weight: 20.00% 15.0% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 10.00% 12.8% -
Invesco S&P 500® Momentum ETF
Weight: 10.00% 10.5%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. The total market fund at 60% weight contributes about 62% of risk, almost exactly in line. The utilities ETF at 20% weight adds only 15% of risk, reflecting its more defensive nature. In contrast, the tech ETF contributes more risk than its 10% weight, at about 13%, consistent with higher volatility in that area. The three biggest positions together drive almost 90% of total risk. Adjusting the balance among them is the main lever for meaningfully changing the portfolio’s risk profile.
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 the efficient frontier chart, the current portfolio sits below the curve by about 1.16 percentage points at its risk level, with a Sharpe ratio of 0.71. The Sharpe ratio measures return earned per unit of risk; higher is better. An alternative mix of the same four ETFs could reach a Sharpe closer to 0.97, or a lower-risk mix could still improve risk-adjusted returns. That means the ingredients are good, but the recipe isn’t fully optimized. Reweighting — not adding new funds — could either boost expected return for the same volatility or cut volatility without sacrificing too much return.
Dividends
- Invesco S&P 500® Momentum ETF 0.80%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard Utilities Index Fund ETF Shares 2.50%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Weighted yield (per year) 1.25%
The portfolio’s overall dividend yield around 1.25% is modest, with utilities providing the highest income at about 2.5% and tech barely yielding at all. That’s typical for growth-tilted equity portfolios, where total return mainly comes from price appreciation rather than cash payouts. Dividends can be handy for investors wanting regular income, but reinvesting them also quietly boosts compounding over time. Here, the income stream is more of a nice extra than a defining feature. Anyone relying on portfolio cash flow to cover living costs would likely find this level of yield on the low side for their needs.
Ongoing product costs
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard Utilities Index Fund ETF Shares 0.10%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.06%
Total costs are impressively low at an average TER of about 0.06%, with the core total market ETF at just 0.03% and the others still very cheap. TER, or Total Expense Ratio, is the annual fee percentage charged by funds; lower fees mean more of the portfolio’s return stays in your pocket. Over long periods, small fee differences compound into noticeable performance gaps, especially in equity-heavy portfolios. Here, the cost structure is a clear strength and fully aligned with best practices. It provides a solid foundation where returns are driven by markets and allocations, not by ongoing fees.
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