Growth focused US stock portfolio with strong tech exposure and efficient low cost structure

Report created on Apr 8, 2026

Risk 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

This portfolio is almost entirely in equities, with 99% in stock ETFs and one individual stock, plus 1% in bitcoin. Over half sits in a broad US index fund, with meaningful satellite positions in momentum, tech, and a small slice of international stocks and dividends. A structure like this leans heavily toward growth and equity-market upside, with very little ballast from bonds or cash. That’s great when markets are strong but can feel bumpy in major downturns. The core-and-satellite design is solid: a big diversified core plus a few focused “tilt” positions. The key takeaway is that return potential is high, but so is sensitivity to equity bear markets.

Growth Info

Over the recent period, $1,000 grew to about $1,496, giving a compound annual growth rate (CAGR) near 20%. CAGR is like your average speed on a long road trip, smoothing out all the ups and downs. That’s around 3 percentage points better than both the US and global market benchmarks, which is impressive. The portfolio also had a max drawdown of about -20%, meaning at one point it was one-fifth below its peak, slightly worse than the benchmarks. This combo — higher return with slightly deeper dips — is consistent with a growth-tilted equity portfolio. Just keep in mind this is a short window; strong recent performance doesn’t guarantee that edge will continue.

Projection Info

The Monte Carlo simulation models many possible 15-year paths using the portfolio’s historical volatility and returns, like running 1,000 alternate futures. The median outcome grows $1,000 to about $2,716, with a likely middle range between roughly $1,700 and $4,200. Importantly, the pessimistic scenarios still include outcomes where you barely break even or lose money, even over 15 years. Simulations rely on past behavior continuing, which real markets don’t always do. The main takeaway: odds favor a positive long-term result, but the ride can be bumpy, and there’s a meaningful chance of long periods of flat or negative performance, especially if bad years cluster early.

Asset classes Info

  • Stocks
    99%
  • Crypto
    1%

Asset-class-wise, this is essentially an all-equity portfolio, with 99% in stocks and only 1% in crypto. There’s no allocation to bonds or cash-like assets that typically help cushion big market pullbacks. That’s why the risk classification still lands in the “balanced” range mostly because equities are spread broadly, not because there’s defensive ballast. Historically, equity-heavy portfolios grow more over long horizons but can drop 30–50% in severe bear markets. A key implication: this setup fits someone who can handle sizeable swings and doesn’t need to tap the money in the near term, rather than someone looking for stable, bond-like behavior.

Sectors Info

  • Technology
    44%
  • Financials
    10%
  • Industrials
    8%
  • Health Care
    8%
  • Telecommunications
    8%
  • Consumer Discretionary
    7%
  • Consumer Staples
    5%
  • Energy
    4%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is clearly tilted toward technology at 44%, with the rest spread across financials, industrials, health care, telecoms, and other areas. Relative to a typical broad market, this is noticeably more tech-heavy. Tech and related industries often drive growth and innovation, so they can boost returns in expansionary periods. But they also tend to be more sensitive to interest rate changes, regulatory shifts, and sentiment swings, which can magnify drawdowns when the mood turns. The good news is that non-tech sectors are still represented; however, day-to-day performance will largely be steered by how tech and adjacent growth areas behave.

Regions Info

  • North America
    93%
  • Europe Developed
    2%
  • Asia Developed
    1%
  • Asia Emerging
    1%
  • Japan
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio is overwhelmingly concentrated in North America at 93%, with only small allocations across Europe, Japan, and emerging Asia. That’s a much stronger home bias to the US than global benchmarks, where non-US markets represent a large share of total world market value. The upside is alignment with the world’s largest, most liquid market that has recently outperformed many regions. The downside is that economic, political, or currency shocks centered on the US will hit almost everything here at once. A structure like this works best if an investor is comfortable tying most of their future returns to one main economy and currency.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    38%
  • Mid-cap
    15%
  • Small-cap
    2%
  • Micro-cap
    1%

This breakdown covers the equity portion of your portfolio only.

Market-cap exposure is dominated by mega and large caps, which together make up over 80% of the equity allocation. Mid-caps and smaller companies are present but form only a modest slice. Large established firms tend to be more stable and better diversified across products and markets, smoothing some volatility relative to a small-cap-heavy portfolio. On the flip side, smaller companies often have higher growth potential and can shine in certain market cycles. Here, the behavior should track big-brand, index-heavy performance quite closely. This is well-aligned with broad benchmarks and makes the portfolio easier to understand and stick with through changing conditions.

True holdings Info

  • NVIDIA Corporation
    8.72%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • VanEck Semiconductor ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Apple Inc
    6.03%
    Part of fund(s):
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    4.29%
    Part of fund(s):
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    3.35%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • VanEck Semiconductor ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    2.43%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.94%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    1.91%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    1.32%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Micron Technology Inc
    1.15%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Information Technology Index Fund ETF Shares
  • Tesla Inc
    1.06%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Top 10 total 32.18%

Looking through the ETFs, a lot of your effective exposure clusters in the same big names: NVIDIA, Apple, Microsoft, Broadcom, Alphabet, Amazon, and Meta together make up a hefty slice of what we can see. NVIDIA alone is over 8% of the visible portion. This means several funds are effectively piling into similar mega-cap tech and communication leaders, creating hidden concentration even though they are different tickers. Because only ETF top-10 holdings are used, this overlap is likely understated. The implication: the portfolio will be very sensitive to how a small group of large US growth companies performs, for better or worse.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 99%
Size
Exposure to smaller companies
Neutral
Data availability: 99%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 99%
Quality
Preference for financially healthy companies
Neutral
Data availability: 99%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 99%

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.

Across the classic investment factors — value, size, momentum, quality, yield, and low volatility — the portfolio shows neutral, market-like exposures. Factor exposure describes how much your holdings lean into certain characteristics that research suggests drive returns over time, like buying cheaper “value” stocks or stable “low volatility” names. Being broadly neutral means no strong bet is being made on any one factor style. That can be a positive: performance won’t be overly tied to specific factor cycles, which can be brutal when they go out of favor. Instead, returns should mainly reflect general market moves and the portfolio’s tilts toward US large-cap growth and tech.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 55.00%
    49.1%
  • Vanguard Information Technology Index Fund ETF Shares
    Weight: 15.00%
    20.7%
  • Invesco S&P 500® Momentum ETF
    Weight: 15.00%
    17.1%
  • VanEck Semiconductor ETF
    Weight: 3.00%
    5.5%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 5.00%
    3.3%
  • Top 5 risk contribution 95.8%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The S&P 500 ETF is 55% of the portfolio and contributes about 49% of the risk, very much in line with its size. The tech ETF at 15% of weight contributes over 20% of risk, and the semiconductor ETF, though just 3%, contributes more than 5% of risk, making it quite punchy. The top three positions together generate nearly 87% of total risk. That’s typical for a core-satellite equity setup, but it means most volatility will come from those core US and tech tilts.

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 shows the current portfolio delivering solid returns but sitting about 4.5 percentage points below the best achievable mix of these same holdings at the current risk level. The Sharpe ratio — a measure of return per unit of risk above the risk-free rate — is 0.91, compared with 1.32 for the optimal combination and 1.07 for the minimum-variance mix. That means there’s room to improve the risk–return tradeoff just by reweighting existing positions, without adding anything new. The structure is decent, but a slightly different balance among the current ETFs could either boost expected return or reduce volatility for roughly the same return.

Dividends Info

  • Schwab U.S. Dividend Equity ETF 3.50%
  • VanEck Semiconductor ETF 0.30%
  • Invesco S&P 500® Momentum ETF 0.90%
  • Visa Inc. Class A 0.80%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.15%

The overall dividend yield sits around 1.15%, driven partly by the dedicated dividend ETF and the international fund, with the core S&P 500 ETF also contributing. Dividend yield is the cash income you receive each year as a percentage of your investment, helpful for investors who like regular payouts. Here the focus is clearly more on growth than income; yields are modest, especially in tech and momentum-oriented holdings. That’s not a problem if the goal is long-term capital appreciation rather than near-term cash flow. For an income-focused strategy, a higher-yield blend and a larger allocation to dividend-oriented funds would typically be more appropriate.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.07%

Costs are a real strength: the blended total expense ratio (TER) of about 0.07% is extremely low. TER is the annual fee charged by funds as a percentage of your investment, like a small “membership fee” for being in the ETF. Lower fees mean more of the portfolio’s gross return stays in your pocket and compounds over time. Compared with many active funds charging 0.5–1% or more, this cost level is highly efficient and well-aligned with best practices in long-term investing. The takeaway is that costs are not a drag here; the fee structure supports, rather than hinders, your long-term performance.

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