Concentrated US growth portfolio anchored by a broad market ETF with modest income and tech tilt
Report created on May 5, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 86.28% -
AM Amazon.com Inc
AMZN - US0231351067 4.78% -
EP Enterprise Products Partners LP
EPD - US2937921078 3.62% -
FP PHARMACEUTICALS PORTFOLIO PHARMACEUTICALS PORTFOLIO
FPHAX - US3163904424 1.50% -
UB Uber Technologies Inc
UBER - US90353T1007 1.26% -
HD The Home Depot Inc
HD - US4370761029 1.12% -
EW iShares MSCI Taiwan ETF
EWT - US46434G7723 1.02% -
CH Chewy Inc
CHWY - US16679L1098 0.42%
This portfolio is highly concentrated in a single broad US equity ETF, which makes up over 86% of total assets. The rest is a handful of individual US stocks, one pharma mutual fund, and a small satellite ETF in Taiwan. In practice, that means most of the portfolio behaves like a low-cost US total stock market fund, with a few stock picks layered on top. A structure like this keeps the core simple and diversified while allowing specific positions to have some influence around the edges. The trade-off is that the overall outcome is still dominated by that one core holding, so the smaller positions mainly fine-tune, rather than transform, the portfolio’s behavior.
Growth
From mid-2019 to May 2026, a $1,000 investment in this portfolio grew to about $2,672. That works out to a compound annual growth rate (CAGR) of 15.34%, which is how much it grew per year on average, like an “average speed” over the whole journey. Over the same period, the US market benchmark did slightly better at 15.97%, while the global benchmark was lower at 13.34%. So this portfolio lagged the US market a bit but outpaced global stocks. The deepest decline, or max drawdown, was about -34% during early 2020, broadly matching the benchmarks, which shows it behaved like a typical growth-oriented equity portfolio in major stress.
Projection
The Monte Carlo projection uses historical return and volatility data to simulate many possible future paths, like running 1,000 alternate timelines for the same starting $1,000. The median outcome after 15 years is around $2,746, with most simulations landing between roughly $1,818 and $4,200. There’s a wide possible range, from about $1,051 to $8,139, highlighting how uncertain long-term equity outcomes can be. The average simulated annual return of 8.17% is noticeably lower than recent historical growth, which is a common effect when models incorporate volatility. These numbers are not predictions; they’re illustrations of what could happen if future markets rhymed with the past, which they rarely do perfectly.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with 100% allocated to equities and no exposure to bonds, cash, or alternatives. That makes the risk profile very clear: returns are tightly linked to how equity markets, mainly US ones, perform. Compared with a typical broad market portfolio that mixes stocks and bonds, this is firmly on the growth side and will feel more of both the ups and downs. The benefit is full participation in equity market rallies; the drawback is that there’s nothing in the mix specifically designed to cushion large stock market declines. This matches the “growth” risk classification, where higher volatility is expected and accepted as part of the approach.
Sectors
- Technology 29%
- Consumer Discretionary 15%
- Financials 11%
- Health Care 10%
- Industrials 9%
- Telecommunications 8%
- Energy 7%
- Consumer Staples 4%
- Utilities 2%
- Real Estate 2%
- Basic Materials 2%
Sector-wise, the portfolio is led by technology at around 29%, followed by consumer discretionary, financials, and health care, with the rest spread across industrials, telecom, energy, and more defensive areas like staples and utilities. This pattern is broadly similar to many major US equity benchmarks, which are also tech and consumer heavy. A tech-leaning sector mix often does well when innovation and growth stories dominate markets but can be more sensitive when interest rates rise or markets rotate toward more defensive or value-oriented areas. The good news is that most major sectors are represented, which supports diversification across different parts of the economy rather than relying on a single industry.
Regions
- North America 98%
- Asia Developed 1%
- Europe Developed 1%
Geographically, the portfolio is overwhelmingly focused on North America, at about 98% of assets, with only small allocations to developed Asia and Europe. That’s actually more US-heavy than global stock market benchmarks, where the US is large but not nearly this dominant. This alignment with the US market has helped historically, given strong US equity performance in recent years, and it also matches the US-based client region. However, it also means economic, political, and currency risks are concentrated in one region. The tiny exposure to non-US markets adds only a modest layer of global diversification, so the portfolio’s fate is largely tied to how the US economy and corporate earnings evolve.
Market capitalization
- Mega-cap 42%
- Large-cap 33%
- Mid-cap 17%
- Small-cap 6%
- Micro-cap 2%
By market capitalization, the portfolio leans strongly toward mega- and large-cap companies, which together make up about three-quarters of the exposure. Mid-caps, small-caps, and micro-caps collectively account for the remainder. This pattern is typical of broad US index funds, which are weighted by company size: the bigger the company, the bigger the weight. Large companies often bring more stability, better liquidity, and more established business models, which can smooth some of the day-to-day noise. The smaller slice in mid- and small-caps adds some growth potential and diversification, but not enough to dramatically change the overall large-cap character of the portfolio.
True holdings
-
Part of fund(s):
- Vanguard Total Stock Market Index Fund ETF Shares
-
NV NVIDIA Corporation 5.52%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 5.11%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.77%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
-
GO Alphabet Inc Class A 2.30%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.01%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.82%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.72%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.43%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 34.84%
Looking through the ETFs and funds, Amazon, NVIDIA, Apple, Microsoft, and Alphabet appear prominently among the underlying exposures. Amazon is especially notable, with a total exposure of 7.54% when combining the direct stock position and its appearance inside the Vanguard ETF. This kind of overlap means the portfolio is more concentrated in certain big names than the top-level holdings list suggests. Since coverage only includes ETF top-10 holdings, actual overlap may be higher. Hidden concentration like this can amplify the impact of a few companies on overall performance, which is great when they do well but increases sensitivity if any of those giants hit a rough patch.
Factors
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 exposures across value, size, momentum, quality, yield, and low volatility are all in the neutral range, clustered around 50%. Factors are like underlying “personality traits” of the portfolio—such as favoring cheap stocks (value) or fast movers (momentum)—that research has linked to long-term return patterns. Here, the profile looks very similar to the broad market, without strong tilts toward or away from any one style. This well-balanced alignment means the portfolio isn’t making big directional bets on specific factor themes. In practice, it should behave much like a broad index over time, rather than swinging more than average when particular investing styles move in or out of favor.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 86.28% 86.7% -
Amazon.com Inc
Weight: 4.78% 5.6% -
Enterprise Products Partners LP
Weight: 3.62% 2.6% -
Uber Technologies Inc
Weight: 1.26% 1.8% -
The Home Depot Inc
Weight: 1.12% 1.1% - Top 5 risk contribution 97.7%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. The Vanguard Total Stock Market ETF is about 86% of the portfolio and contributes roughly the same share of risk, so its impact is directly proportional. Amazon and Uber punch a bit above their weight, with risk/weight ratios above 1, meaning they add more volatility than their sizes alone would suggest. Enterprise Products Partners and Home Depot, meanwhile, contribute slightly less risk than their weights. Overall, the top three positions account for nearly 95% of total risk, confirming that a small set of holdings effectively sets the tone for portfolio behavior.
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 vs. return chart, the current portfolio sits below the efficient frontier, with a Sharpe ratio of 0.63. The Sharpe ratio measures return per unit of risk taken, using a risk-free rate (here 4%) as the baseline. The optimal mix of the existing holdings reaches a Sharpe of 1.04, and even the minimum variance portfolio achieves 0.95. Being about 4.9 percentage points below the frontier at the current risk level suggests that, mathematically, a different combination of these same holdings could target either more expected return for similar risk or similar return with less volatility. The structure is decent, but not making the most of what’s already in the toolbox.
Dividends
- Enterprise Products Partners LP 4.20%
- iShares MSCI Taiwan ETF 3.10%
- PHARMACEUTICALS PORTFOLIO PHARMACEUTICALS PORTFOLIO 5.40%
- The Home Depot Inc 3.00%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Weighted yield (per year) 1.25%
The overall portfolio dividend yield is around 1.25%, which is on the modest side and consistent with a growth-leaning equity mix. The broad Vanguard ETF yields about 1.1%, while some satellite positions like Enterprise Products Partners, the pharma mutual fund, and Home Depot offer higher yields in the 3–5% range. Dividends can be an important component of total return over time, especially when reinvested, but here they’re a secondary driver compared with price appreciation. The yield profile fits the portfolio’s focus on broad US equities and large growth names, which typically reinvest more earnings into their businesses rather than paying out large cash distributions.
Ongoing product costs
- iShares MSCI Taiwan ETF 0.59%
- PHARMACEUTICALS PORTFOLIO PHARMACEUTICALS PORTFOLIO 0.67%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.04%
Costs are a real strength here. The weighted total expense ratio (TER) is about 0.04%, thanks largely to the ultra-low-cost Vanguard total market ETF at 0.03%. The Taiwan ETF and pharma fund are pricier individually, at 0.59% and 0.67%, but their small weights keep the overall cost footprint very low. Lower ongoing fees mean more of the portfolio’s gross returns stay in the investor’s pocket and can compound over time, which is especially powerful over long horizons. This cost profile aligns closely with best practices in index-based investing and provides a solid foundation for long-term performance without the drag of high management charges.
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