Mainly US growth stocks with a big tilt to technology and impressively low ongoing costs
Report created on Apr 20, 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
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VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
FT Fidelity® MSCI Information Technology Index ETF
FTEC - US3160928087 25.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00%
This portfolio is a simple three‑ETF stock mix, fully invested in equities with no bonds or cash layer. Half sits in a broad US large‑cap index, a quarter in a dedicated technology index, and the remaining quarter in a broad international stock ETF. That structure creates a clear core‑and‑satellite feel: a diversified US core, a tech growth satellite, and an international diversifier. A setup like this is easy to understand and maintain because there are only a few moving parts. It also means that most of the behaviour is driven by stock markets rather than interest rates or bond markets, so the portfolio’s ups and downs will track equity cycles quite closely.
Growth
Over the past decade, $1,000 grew to about $4,564, giving a compound annual growth rate (CAGR) of 16.47%. CAGR is like the average speed of a road trip, smoothing out all the bumps along the way. This beat both the US market (14.79%) and the global market (12.16%), so historically the extra tech and US exposure have helped. The worst peak‑to‑trough loss was about ‑33% during early 2020, very similar to the benchmarks, and it recovered within four months. That shows strong resilience but also equity‑level volatility. Just 38 days created 90% of total returns, underlining how missing a few strong days can drastically change long‑term outcomes.
Projection
The Monte Carlo projection uses the past behaviour of this mix to simulate 1,000 different 15‑year futures. Monte Carlo is basically a “what if” engine: it shuffles thousands of plausible return paths rather than assuming a smooth line. The median outcome turns $1,000 into about $2,654, with a central band between roughly $1,778 and $4,001. The wide possible range ($896 to $7,555) shows how uncertain real‑world outcomes can be. The average simulated annual return is 7.95%, and about 73% of simulations end positive. These numbers are not promises; they’re illustrations based on history, and future markets can behave very differently from the past.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with 0% allocated to bonds, cash, or alternatives. An all‑equity structure usually aims for higher long‑run growth but accepts larger short‑term swings, since there’s no stabilizing asset class to cushion market shocks. Compared with broad global multi‑asset benchmarks that mix stocks and bonds, this portfolio is clearly more growth‑oriented and more sensitive to equity market corrections. The diversification here comes from holding many companies rather than from mixing different asset types. So the key driver of experience over time will be how global equity markets, and especially the US and technology segments, perform.
Sectors
- Technology 45%
- Financials 12%
- Industrials 9%
- Consumer Discretionary 7%
- Health Care 7%
- Telecommunications 7%
- Consumer Staples 4%
- Basic Materials 3%
- Energy 3%
- Utilities 2%
- Real Estate 2%
Sector‑wise, technology stands out at around 45% of the portfolio, far above the roughly 30% tech weight currently common in broad US indices and higher still than global benchmarks. The rest is spread across financials, industrials, consumer, health care, telecoms, and smaller slices in materials, energy, utilities, and real estate. A strong tech tilt has historically boosted growth when innovation and digital businesses lead markets, as they’ve often done since 2016. But tech‑heavy portfolios can be more sensitive when interest rates rise or when growth expectations cool, because valuations in this area are often more demanding. The other sectors still provide some balance but clearly play a secondary role.
Regions
- North America 77%
- Europe Developed 9%
- Japan 4%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 77% is in North America, with modest slices across developed Europe, Japan, other developed Asia, emerging Asia, and small exposures to Australasia, Latin America, and Africa/Middle East. This is more US‑tilted than a typical global equity benchmark, where the US share is closer to 60%. That US overweight has helped over the last decade, since US large‑caps and tech have strongly outperformed many other regions. On the flipside, outcomes are tied closely to one economy and currency, so any prolonged US underperformance would show up quickly. The international ETF does widen the opportunity set and adds some currency and regional diversification beyond the US.
Market capitalization
- Mega-cap 47%
- Large-cap 32%
- Mid-cap 16%
- Small-cap 3%
- Micro-cap 1%
The portfolio leans heavily into larger companies: about 47% in mega‑caps and 32% in large‑caps, with only a small slice in mid, small, and micro‑caps. That means returns are mostly driven by global giants whose fortunes are often linked to broad economic trends and market sentiment. Large‑cap dominance tends to bring more stability than a small‑cap‑heavy mix, since mega‑caps usually have more diversified businesses and stronger balance sheets. At the same time, it limits exposure to the higher‑risk, higher‑potential world of smaller companies. Overall, the size profile is similar to many mainstream equity indices, which is a familiar and well‑researched part of the market.
True holdings
-
NV NVIDIA Corporation 8.43%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 6.95%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 5.01%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.55%
Part of fund(s):- Fidelity® MSCI Information Technology Index 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 A 1.50%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.20%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.12%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 0.94%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.86%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 30.38%
Looking through the ETFs, the largest underlying exposures include NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet, Meta, Tesla, and Taiwan Semiconductor. Several appear in more than one ETF, especially across the S&P 500 and the technology fund, which creates hidden concentration even though there are only small weights per fund. For example, NVIDIA alone totals about 8.4% of the portfolio, and Apple nearly 7%. Only top‑10 ETF holdings are used here, so actual overlap is likely higher than reported. This means a handful of mega‑cap tech names drive a meaningful share of overall behaviour, amplifying both their positive and negative surprises.
Factors
Factor exposure here is broadly neutral across value, size, momentum, quality, yield, and low volatility, all clustering around the 50% “market‑like” mark. Factors are like underlying personality traits of stocks — characteristics such as being cheap, fast‑rising, or stable that research links to returns. A neutral profile suggests the portfolio behaves similarly to broad equity markets rather than leaning strongly into any specific style. That can be helpful when factor leadership rotates, since there’s no big bet on, say, value versus growth or quality versus low volatility. In practice, the portfolio’s key distinctive trait comes more from its sector and regional tilts than from factor tilts.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 47.8% -
Fidelity® MSCI Information Technology Index ETF
Weight: 25.00% 31.6% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 20.6%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from its weight. Here, the S&P 500 ETF is 50% of the portfolio and contributes about 48% of total risk, very much in line. The tech ETF is 25% by weight but contributes around 32% of risk, so each dollar in that fund adds more volatility than its size alone suggests. The international ETF is 25% but only about 21% of risk, so it’s slightly less volatile relative to its weight. Overall, risk is concentrated in the US, especially technology, which is consistent with the composition.
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 risk‑return chart, the current portfolio sits on or very close to the efficient frontier. The efficient frontier represents the best possible trade‑off between risk (volatility) and expected return, using just these existing holdings in different weights. The current Sharpe ratio — a measure of return per unit of risk after accounting for the 4% risk‑free rate — is 0.66. The max‑Sharpe mix reaches 0.93 with higher risk and return, while the minimum‑variance mix has a similar Sharpe to the current portfolio at lower risk. Being near the frontier suggests this allocation already uses its building blocks in a risk‑efficient way.
Dividends
- Fidelity® MSCI Information Technology Index ETF 0.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.35%
The overall dividend yield is around 1.35%, combining a low‑yield tech ETF (0.40%), a modest‑yield US index (1.10%), and a higher‑yield international fund (2.80%). Yield is the cash income paid out each year as a percentage of the investment’s price. This profile leans more toward growth than income, which is typical for tech‑heavy and US‑tilted portfolios where companies often reinvest profits rather than pay big dividends. Dividends still make a useful contribution to total return, especially from the international sleeve, but capital growth from price changes is the main driver here rather than regular cash payouts.
Ongoing product costs
- Fidelity® MSCI Information Technology Index ETF 0.08%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
The total ongoing cost, or TER, is about 0.05% a year, which is impressively low by any standard. TER (Total Expense Ratio) is like the annual service charge for running the funds; it’s silently deducted inside the ETFs, reducing returns a bit each year. Here, costs are well below many actively managed funds and even cheaper than a lot of index options. Over long periods, keeping fees this low helps more of the portfolio’s gross return show up in your account, since every saved fraction of a percent compounds. The fee structure is a real strength and aligns well with best practices in cost‑efficient investing.
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