Simple single fund portfolio closely tracks the broad US stock market with moderate risk
Report created on Mar 27, 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
-
SP State Street® SPDR® Portfolio S&P 500® ETF
SPYM - US78464A8541 100.00%
The portfolio is as simple as it gets: one broad US equity ETF at 100%. That means every dollar is tied to a single fund, but under the hood it holds hundreds of large US companies. This “one and done” structure is easy to manage, transparent, and keeps behavior simple, since there are no moving parts to juggle. The flip side is that all portfolio decisions are embedded in that single ETF choice, so there’s no fine-tuning across asset classes. For many investors, this kind of straightforward, broad-market exposure can be a solid core, as long as the lack of additional diversification is intentional and understood.
Growth
Historically, $1,000 grew to about $3,739 over roughly 10 years, a compound annual growth rate (CAGR) of 14.13%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. This return slightly beat the US market benchmark and clearly outpaced the global market, while experiencing a maximum drawdown around -34% during big selloffs. Max drawdown measures the worst peak‑to‑trough loss, a good gut-check for emotional tolerance. This pattern says the portfolio has delivered strong returns in line with US stocks, with no major extra pain versus benchmarks. It reinforces that the ETF is doing its job of tracking the large US market effectively.
Asset classes
- No data 100%
All reported exposure sits in a single category marked as “No data,” meaning the system doesn’t tag the asset class directly here. Practically, this ETF is designed to mirror a large US equity index, so the economic reality is near‑total stock exposure with no built-in bonds or cash buffers. That structure aligns with growth-focused investing but can feel rough during sharp market drops, since there’s no defensive sleeve to soften the blow. For someone seeking a pure growth engine, this can be perfectly fine. Others might prefer pairing such a fund with separate bond or cash holdings elsewhere to better match their personal comfort with volatility.
True holdings
-
NV NVIDIA Corporation 7.31%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
AA Apple Inc 6.63%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
MS Microsoft Corporation 4.96%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
AM Amazon.com Inc 3.47%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class A 3.08%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
AV Broadcom Inc 2.56%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
GO Alphabet Inc Class C 2.46%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
ME Meta Platforms Inc. 2.40%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
-
TS Tesla Inc 1.92%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- State Street® SPDR® Portfolio S&P 500® ETF
-
BR Berkshire Hathaway Inc 1.57%
Part of fund(s):- State Street® SPDR® Portfolio S&P 500® ETF
- Top 10 total 36.37%
Looking through the ETF’s top holdings shows heavy exposure to a handful of mega-cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Meta. Together, these top positions make up a meaningful slice of the fund, even though each is indirectly held. Because these companies are leaders in their industries and often move markets, they can strongly influence day-to-day portfolio swings. Overlap is naturally high because a broad US index fund is cap‑weighted: bigger companies get bigger weights. While this is standard and aligns with benchmark construction, it’s useful to realize that portfolio outcomes are quite tied to the fortunes of a small group of giant firms.
Factors
Factor exposure shows a very low tilt toward the size factor, meaning a strong lean away from smaller companies and toward larger ones. Factor exposure is like checking what “personality traits” your portfolio has, such as favoring cheap stocks (value) or stable ones (low volatility). A strong anti‑size tilt typically leads to behavior that tracks large‑cap benchmarks closely and can reduce some of the bumpiness associated with small caps. However, it also means missing periods when smaller companies outperform. Other factors are only mildly tilted or neutral, so the portfolio behaves much like the broad market overall, with its main identity anchored in mega‑cap leadership.
Risk contribution
-
State Street® SPDR® Portfolio S&P 500® ETF
Weight: 100.00% 100.0%
Risk contribution shows that this single ETF accounts for 100% of the portfolio’s volatility by definition. Risk contribution measures how much each holding drives the overall ups and downs; here, there’s nowhere for risk to hide or spread because everything is in one instrument. The positive angle is clarity: portfolio risk is directly tied to the volatility of a broad US equity index, which is well-studied and familiar. The trade‑off is that there’s no internal diversification across asset types or strategies, so any major market event in that index fully flows through. Aligning this with personal comfort is key, since there is no offsetting cushion inside the portfolio.
Dividends
- State Street® SPDR® Portfolio S&P 500® ETF 1.50%
- Weighted yield (per year) 1.50%
The ETF’s dividend yield is around 1.5%, which is modest and typical for a broad large‑cap growth-oriented index today. Dividend yield represents the cash income portion of returns, separate from price changes. For a growth-focused equity fund, most of the long‑term return is expected to come from capital appreciation rather than income. That fits investors who prioritize building wealth over decades rather than funding near‑term spending needs. For anyone relying on portfolio cash flow, a 1.5% yield means additional withdrawals would have to come from selling shares, so planning around taxes and sequence of sales becomes important, especially during market downturns when prices are temporarily depressed.
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