Strong US growth portfolio dominated by S&P 500 funds with a focused bet on NVIDIA and tech

Report created on May 7, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is highly concentrated in two broad US equity funds tracking the S&P 500, together making up around 85% of the total. On top of that, there is a focused single-stock position in NVIDIA, plus smaller allocations to a US dividend ETF, a sector-specific health care ETF, a core US bond ETF, and a money market fund. Structurally, this is basically a US stock portfolio with a small bond and cash-like buffer. A setup like this behaves a lot like “the US market,” but with an extra tilt toward one high-growth company and a slight lean toward dividend payers and health care. The core is straightforward and familiar, but the satellite positions add some distinct behaviour.

Growth Info

Historically, the portfolio’s results have been exceptionally strong. A hypothetical $1,000 grew to about $14,159 over the period, implying a Compound Annual Growth Rate (CAGR) of 30.65%. CAGR is like your average speed on a road trip, smoothing out all the bumps to show the long-run pace. This far exceeded both the US market (15.32%) and global market (12.76%) benchmarks. That outperformance came with a deeper max drawdown of -40.37% versus roughly -34% for the benchmarks, meaning the portfolio fell more in its worst stretch. The fact that 90% of returns came from just 50 days underlines how a handful of big up-moves drove much of this strong outcome.

Projection Info

The Monte Carlo projection uses past volatility and returns to randomly simulate many future paths, a bit like rolling the dice 1,000 times to see different market journeys. For a $1,000 starting point over 15 years, the median outcome lands around $2,730, which corresponds to an 8.04% average annualized return across simulations. There is a wide “likely range,” from about $1,868 to $4,233, and an even wider possible range stretching roughly from just breaking even to several times the initial amount. This shows how uncertain future results are, even with strong historical performance. It’s also a reminder that Monte Carlo models lean on history, which may not repeat, especially when a portfolio includes very fast-growing names.

Asset classes Info

  • Stocks
    95%
  • Bonds
    3%
  • No data
    1%

Across asset classes, about 95% of the portfolio sits in stocks, roughly 3% in bonds, and around 1% is in holdings where the asset class is not specified. This stock-heavy tilt means the portfolio is mainly driven by equity markets, which historically have offered higher growth but also larger swings than bonds. Compared to many blended allocations, this mix leans clearly toward growth rather than capital stability. The small bond slice can help slightly dampen volatility and offer some interest income, but it is too small to materially change the portfolio’s overall behaviour. Overall, this structure aligns with a growth-focused approach where long-term stock returns dominate the experience.

Sectors Info

  • Technology
    34%
  • Health Care
    11%
  • Financials
    11%
  • Telecommunications
    9%
  • Industrials
    7%
  • Consumer Staples
    5%
  • Consumer Discretionary
    4%
  • Consumer Discretionary
    4%
  • Energy
    4%
  • Utilities
    2%
  • Real Estate
    2%
  • Basic Materials
    2%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, technology stands out at about 34%, making it the largest exposure by a wide margin. Health care and financials each sit near 11%, with meaningful but smaller allocations to telecommunications, industrials, consumer staples, consumer discretionary, energy, utilities, real estate, and basic materials. This pattern is broadly consistent with a modern US market-cap-weighted index, which is typically tech-tilted, so the sector mix is not unusual. Tech-heavy allocations often participate strongly when innovation and growth stories lead the market, but they can be more sensitive to interest-rate changes or shifts in sentiment about high-growth companies. The added health care fund further reinforces exposure to that more defensive but still equity-like sector.

Regions Info

  • North America
    95%

This breakdown covers the equity portion of your portfolio only.

Geographically, about 95% of the portfolio is in North America, so almost everything is tied to the US market and currency. This is a more home-biased position compared with global benchmarks, where the US is large but not this dominant. A concentrated geographic tilt like this can be beneficial when US markets outperform other regions, as they have for much of the last decade, and the portfolio’s history reflects that strength. At the same time, it means economic, political, and currency developments in one region matter a lot more than what happens elsewhere. Diversification benefits from other parts of the world are relatively limited in this current structure.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    34%
  • Mid-cap
    17%
  • Small-cap
    1%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the portfolio leans heavily into mega-cap and large-cap companies, with those buckets together making up around 78%. Mid-caps represent about 17%, while small-caps are only about 1%. Large and mega-caps tend to be more established, widely followed businesses, which often means more stable earnings and liquidity but sometimes slower growth than very small companies. This pattern is typical of cap-weighted index funds, which naturally allocate more to the biggest firms. It also helps reduce some of the extreme volatility that can come from heavy small-cap exposure. On the flip side, it means relatively little exposure to the potential “lottery ticket” upside that small, fast-growing companies can sometimes deliver.

True holdings Info

  • NVIDIA Corporation
    7.71%
    Part of fund(s):
    • Vanguard S&P 500 ETF
    Direct holding 4.51%
  • Apple Inc
    2.81%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    2.07%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    1.54%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.26%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.10%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.01%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    0.94%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Tesla Inc
    0.79%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Berkshire Hathaway Inc
    0.66%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Top 10 total 19.90%

This breakdown covers the equity portion of your portfolio only.

Looking through the funds’ top holdings, NVIDIA is the standout name, with a total exposure of about 7.71% once both the direct stock and ETF positions are combined. That makes it a key driver of portfolio behaviour. Large US tech and communication names such as Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire Hathaway also appear across multiple funds, though each is a smaller slice individually. Overlap like this creates “hidden” concentration, because several positions may rise or fall together when these big companies move. The reported overlap is likely understated since only ETF top-10 holdings are captured, but even with partial data, it’s clear that a handful of major US names play an outsized role in the portfolio’s movements.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 97%
Size
Exposure to smaller companies
Low
Data availability: 95%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 95%
Quality
Preference for financially healthy companies
Neutral
Data availability: 95%
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.

Factor exposure across value, size, momentum, quality, yield, and low volatility is generally close to neutral. Factor investing looks at these traits like ingredients in a recipe, explaining why some stocks behave differently from the broad market. Here, value, momentum, quality, yield, and low volatility all cluster near the market average, suggesting no strong tilt toward classic factor strategies. The size factor is somewhat lower, which fits with the earlier observation that the portfolio is dominated by large and mega-cap companies rather than smaller firms. Overall, this balanced factor profile means performance is more likely to track general market trends, with less influence from targeted factor bets that can either help or hurt in specific environments.

Risk contribution Info

  • Schwab S&P 500 Index Fund
    Weight: 42.52%
    43.3%
  • Vanguard S&P 500 ETF
    Weight: 42.17%
    42.7%
  • NVIDIA Corporation
    Weight: 4.51%
    9.1%
  • Schwab U.S. Dividend Equity ETF
    Weight: 3.45%
    2.8%
  • Health Care Select Sector SPDR® Fund
    Weight: 2.71%
    2.0%
  • Top 5 risk contribution 99.8%

Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from simple weights. The two S&P 500 funds together account for about 85% of capital and roughly the same share of risk, so they behave proportionally. NVIDIA, however, is only 4.51% of the portfolio but contributes 9.10% of total risk, roughly double its weight. That’s a classic sign of a volatile position driving more of the swings. The top three holdings together make up just over 95% of portfolio risk, meaning the smaller positions have limited influence on day-to-day volatility. In practice, this means what happens to broad US stocks—and NVIDIA in particular—largely dictates the ride.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Schwab S&P 500 Index Fund
    High correlation

Asset correlation measures how closely holdings move together, from -1 (opposite directions) to +1 (almost identical). In this portfolio, the Schwab S&P 500 Index Fund and Vanguard S&P 500 ETF are highly correlated, which makes sense since both track the same underlying index. When one goes up or down, the other is likely to move in nearly the same way. This alignment supports the idea that these two positions act as a single economic exposure, despite being separate funds. High correlation is not inherently a problem, but it limits diversification: holding both funds doesn’t significantly smooth the ride compared with holding just one, because they respond to market moves in very similar ways.

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 vs. return analysis plots the portfolio against an efficient frontier, which is the curve showing the best expected return for each risk level using the same holdings in different weights. Here, the current portfolio has a Sharpe ratio of 0.75, a measure of risk-adjusted return that compares excess return to volatility. The max-Sharpe and minimum-variance portfolios both show higher Sharpe ratios, indicating more efficient risk/return trade-offs are mathematically possible with these same ingredients. The portfolio is about 8 percentage points below the frontier at its current risk level, meaning it doesn’t fully exploit the potential diversification or weighting benefits available. This doesn’t make the current mix “bad,” but it does highlight that alternative blends could, in theory, deliver more return for the same risk or similar return with less fluctuation.

Dividends Info

  • Vanguard Total Bond Market Index Fund ETF Shares 3.90%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • Schwab S&P 500 Index Fund 1.00%
  • Schwab Value Advantage Money Fund 3.80%
  • Vanguard S&P 500 ETF 1.10%
  • Health Care Select Sector SPDR® Fund 1.70%
  • Weighted yield (per year) 1.23%

Dividend yield across the full portfolio is about 1.23%, which is modest and consistent with a growth-oriented, equity-heavy mix. Individual pieces vary: the dividend ETF and bond fund yield in the 3–4% range, while the S&P 500 funds sit closer to 1–1.1%. Yield represents the cash returned annually as dividends or interest, like a paycheck from your investments. In this structure, most of the expected total return comes from price appreciation rather than income. That aligns with the historical performance pattern, where capital gains—especially from growth names—have been the main driver. The presence of some higher-yielding components nevertheless adds a small but reliable income layer on top of the growth engine.

Ongoing product costs Info

  • Vanguard Total Bond Market Index Fund ETF Shares 0.03%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab S&P 500 Index Fund 0.02%
  • Vanguard S&P 500 ETF 0.03%
  • Health Care Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.03%

Costs in this portfolio are impressively low. The weighted Total Expense Ratio (TER) is about 0.03%, with individual funds ranging from 0.02% to 0.09%. TER is the annual fee charged by funds, expressed as a percentage of assets, similar to a small service fee for professional management and index tracking. For context, many actively managed funds charge around 0.5–1% or more, so this setup is far cheaper than average. Low ongoing costs help more of the portfolio’s gross returns show up in your account, especially over long periods where even small fee differences compound. This cost structure is a real strength and supports better long-term performance without requiring any extra effort.

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