Growth focused equity portfolio with strong US tilt and balanced exposure across company sizes and factors
Report created on Apr 30, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 15.00% -
VE Vanguard FTSE All-World ex-US Index Fund ETF Shares
VEU - US9220427754 12.50% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 7.50% -
ID Invesco S&P International Developed Momentum ETF
IDMO - US46138E2220 7.50% -
QT Defiance Quantum ETF
QTUM - US26922A4206 7.50%
This portfolio is built entirely from six equity ETFs, with no bonds or cash in the mix. About half sits in a broad US large‑cap index, while another chunk leans into US and international momentum strategies. Smaller slices tilt toward US small‑cap value and a niche “quantum” themed ETF. This structure makes the portfolio straightforward: it’s all about owning stocks through diversified funds rather than individual companies. A 100% equity mix generally targets higher growth but also larger swings in value. The large core holding in a broad US ETF anchors the portfolio in mainstream market exposure, while the smaller satellite positions add more specialized tilts and potential variability around that core.
Growth
From late 2019 to April 2026, $1,000 in this portfolio grew to about $2,863. That works out to a Compound Annual Growth Rate (CAGR) of 17.43%, meaning the money grew as if it earned roughly 17.4% per year on average. Over the same period, the US market and global market grew at about 15.9% and 13.3% a year, so this mix outpaced both. The worst drop, or max drawdown, was about -34% during early 2020, very similar to the benchmarks. Returns were concentrated: just 25 days made up 90% of gains, showing how missing a few strong days historically would have had a big impact.
Projection
The Monte Carlo projection looks at many possible futures by “replaying” risk and return patterns from history in thousands of random paths. It’s like running 1,000 alternate timelines for this same portfolio. In the 15‑year simulation, $1,000 ends around a median of $2,754, with a wide but reasonable range between $1,773 and $4,094 for the middle half of outcomes. The annualized return across all scenarios is 7.9%, much lower than recent history, reflecting the uncertainty of future markets. About 73% of simulations end with a gain, but roughly a quarter don’t, which underlines that even diversified stock portfolios can have long flat or negative stretches.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with 0% in bonds, cash, or alternative assets. That means the asset class diversification is simple: it fully participates in equity market ups and downs without the stabilizing influence that fixed income or cash can sometimes provide. For context, many broad “market” blends mix stocks with bonds to smooth volatility. Here, the diversification happens within stocks themselves, through different indices, strategies, and regions. A 100% equity allocation historically offers higher growth potential over long periods, while also making the portfolio more sensitive to economic cycles, interest rates, and market shocks, as seen during the sharp 2020 drawdown.
Sectors
- Technology 33%
- Financials 15%
- Industrials 12%
- Telecommunications 8%
- Consumer Discretionary 8%
- Health Care 7%
- Energy 5%
- Consumer Staples 4%
- Basic Materials 3%
- Utilities 3%
- Real Estate 2%
Sector exposure is led by technology at about a third of the portfolio, followed by financials and industrials, with smaller slices in telecom, consumer‑related areas, health care, energy, and others. Compared with many broad global indices, this is a tech‑heavier profile, especially given the inclusion of momentum and “quantum” themed ETFs that tend to favor innovative or fast‑growing companies. Sector allocation matters because different parts of the economy react differently to things like interest rate changes or economic slowdowns. A tech‑tilted mix can benefit when growth and innovation trade strongly, but it may see sharper swings when markets rotate toward more defensive or income‑oriented sectors.
Regions
- North America 79%
- Europe Developed 10%
- Japan 4%
- Asia Developed 3%
- Asia Emerging 2%
- Africa/Middle East 1%
- Australasia 1%
Geographically, the portfolio is dominated by North America at about 79%, with the rest spread across developed Europe, Japan, other developed Asia, and small exposures to emerging markets, Africa/Middle East, and Australasia. Compared with a typical global equity benchmark, which gives a larger share to non‑US markets, this is a clear US tilt. Geographic exposure matters because local economies, currencies, and policies can drive different return patterns. A US‑heavy portfolio benefits when the US market outperforms, as it has often done in recent years, but it also means results are closely tied to one main region rather than more evenly reflecting global market performance.
Market capitalization
- Mega-cap 40%
- Large-cap 36%
- Mid-cap 14%
- Small-cap 5%
- Micro-cap 4%
By company size, the portfolio leans toward mega‑cap and large‑cap stocks, which together make up about three‑quarters of the exposure. Mid‑caps, small‑caps, and even micro‑caps are present but in smaller amounts, helped by the dedicated US small‑cap value ETF. Market capitalization mix matters because large companies often bring more stability and liquidity, while smaller firms tend to have bumpier but sometimes faster‑growing return patterns. This blend keeps the core anchored in big, established names while still allowing a meaningful, though not dominant, role for smaller companies. That combination generally produces behavior that feels more like a broad equity market with an added dash of small‑cap dynamism.
True holdings
-
NV NVIDIA Corporation 5.19%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 3.33%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.55%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.46%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.24%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.82%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.80%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.12%
Part of fund(s):- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.07%
Part of fund(s):- Defiance Quantum ETF
- Invesco S&P 500® Momentum ETF
-
TS Tesla Inc 0.94%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 22.52%
Looking through the ETFs to their top holdings, a handful of large US tech‑related names appear repeatedly: NVIDIA, Apple, Broadcom, Microsoft, Alphabet, Amazon, Meta, Micron, and Tesla all show up. NVIDIA alone accounts for just over 5% when aggregating across funds. This overlap means there is more hidden concentration in those mega‑cap names than might be obvious from ticker weights alone. Because only ETF top‑10 holdings are captured here, actual overlap is likely understated. Hidden concentration matters because when those shared holdings move sharply, they can influence the portfolio more than the number of ETFs suggests, especially in tech‑driven rallies or pullbacks.
Factors
Factor exposures are broadly neutral across the board: value, size, momentum, quality, yield, and low volatility all hover around the 50% “market‑like” mark. In factor terms, this means the portfolio behaves a lot like a broad global stock market rather than leaning heavily into any specific style such as deep value, high yield, or low volatility. Factor investing is about tilting toward certain characteristics that research links to long‑term returns. Here, even with momentum and small‑cap value ETFs in the mix, the large core index positions keep overall factor tilts muted. As a result, performance is likely driven more by general market direction than by specific style bets.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 49.5% -
Invesco S&P 500® Momentum ETF
Weight: 15.00% 15.3% -
Vanguard FTSE All-World ex-US Index Fund ETF Shares
Weight: 12.50% 10.7% -
Defiance Quantum ETF
Weight: 7.50% 9.3% -
Avantis® U.S. Small Cap Value ETF
Weight: 7.50% 8.8% - Top 5 risk contribution 93.6%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weight. The broad S&P 500 ETF is about half the portfolio and contributes roughly half the total risk, so its impact is very proportional. The S&P 500 momentum ETF similarly lines up closely with its 15% weight. More interestingly, the Defiance Quantum ETF and the US small‑cap value ETF both contribute more risk than their weights would suggest, with risk/weight ratios above 1. That’s typical for more volatile or niche strategies. Overall, the top three positions account for about 76% of total risk, highlighting a fairly concentrated risk core.
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 risk‑return chart compares the current mix with two hypothetical alternatives using only the same holdings: the optimal (highest Sharpe ratio) and minimum variance portfolios. The Sharpe ratio, a common measure of risk‑adjusted return, looks at how much excess return you earn per unit of volatility, using a risk‑free rate as a baseline. Here, the current portfolio’s Sharpe of 0.69 sits below both the max‑Sharpe portfolio at 1.03 and the minimum‑variance one at 0.7. It is about 1.7 percentage points below the efficient frontier at its risk level, meaning that, in theory, different weightings of these same ETFs could have delivered better risk‑return trade‑offs historically.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco S&P International Developed Momentum ETF 3.60%
- Invesco S&P 500® Momentum ETF 0.80%
- Vanguard FTSE All-World ex-US Index Fund ETF Shares 2.80%
- Vanguard S&P 500 ETF 1.10%
- Defiance Quantum ETF 0.90%
- Weighted yield (per year) 1.46%
The portfolio’s overall dividend yield is about 1.46%, with contributions varying by ETF. The international developed momentum and broad ex‑US index funds offer higher yields, while the US momentum and quantum‑oriented ETFs pay less, reflecting their growth focus. Dividends can be an important part of total return over time, especially when reinvested, but in this case the main driver of results has been price appreciation rather than income. A lower yield is common for portfolios tilted toward growth and innovation themes. It simply means more of the return, historically and potentially ahead, is expected to come from changes in share prices rather than regular cash payouts.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco S&P International Developed Momentum ETF 0.25%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard FTSE All-World ex-US Index Fund ETF Shares 0.07%
- Vanguard S&P 500 ETF 0.03%
- Defiance Quantum ETF 0.40%
- Weighted costs total (per year) 0.11%
The weighted average ongoing fee, or Total Expense Ratio (TER), for this portfolio is about 0.11% per year, which is impressively low. TER is like a small annual “service charge” taken directly from fund assets to cover management and operating costs. Most of the heavy lifting is done by very low‑cost index ETFs from Vanguard, while the more specialized funds charge more but make up smaller slices. Keeping costs low helps more of any gross return stay in the portfolio, and the difference can compound meaningfully over long horizons. In this case, the cost structure is a strong positive, aligning well with best practices for cost‑efficient investing.
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