A high growth equity heavy portfolio with strong tech tilt and impressive historic performance focus

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.

What type of investor this portfolio is suitable for

Growth Investors

This setup fits an investor who’s comfortable with above-average risk in pursuit of strong long-term growth and can stomach meaningful swings in account value. The ideal horizon is long term—think 10 years or more—so that short-term volatility has time to smooth out. Goals might include building substantial wealth, aggressively growing retirement savings, or accelerating towards financial independence. This kind of investor usually prioritizes total return over steady income, is okay with an equity-heavy mix, and accepts that deep drawdowns are possible. They tend to value diversification across regions and company sizes but are also willing to tilt toward growth themes and factors in hopes of outperforming a basic market-index-only approach over time.

Positions

  • Vanguard Total Stock Market Index Fund ETF Shares
    VTI - US9229087690
    31.20%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    25.00%
  • Apple Inc
    AAPL - US0378331005
    13.00%
  • VANGUARD PRIMECAP FUND ADMIRAL SHARES
    VPMAX - US9219362095
    5.20%
  • VANGUARD MID-CAP INDEX FUND ADMIRAL SHARES
    VIMAX - US9229086452
    4.30%
  • VANGUARD TAX-MANAGED SMALL-CAP FUND ADMIRAL SHARES
    VTMSX - US9219434035
    3.80%
  • Avantis® International Small Cap Value ETF
    AVDV - US0250728021
    2.50%
  • Avantis® U.S. Small Cap Value ETF
    AVUV - US0250728773
    2.50%
  • WisdomTree Efficient Gold Plus Equity Strategy Fund
    GDE - US97717Y5684
    2.50%
  • Invesco NASDAQ 100 ETF
    QQQM - US46138G6492
    2.50%
  • Invesco PHLX Semiconductor ETF
    SOXQ - US46138G6153
    2.50%
  • Invesco S&P 500® Momentum ETF
    SPMO - US46138E3392
    2.50%
  • MarketDesk Focused U.S. Momentum ETF
    FMTM
    2.50%

This portfolio is almost fully in stocks, with broad core index funds at the center and a layer of focused “tilts” around them. The two big total-market index positions form a solid foundation and align well with widely used benchmarks, which is a real strength. Around that core, there’s a mix of single stock, active funds, factor tilts, and momentum strategies that push the risk and return profile toward growth. Having a strong core plus targeted tilts is a common structure for growth-focused investors. To keep this approach robust over time, it helps to set target ranges for each sleeve and periodically rebalance back to those ranges.

Warning Historical data is limited for this portfolio, which reduces the confidence in the calculated values.

Growth Info

Using a simple example, if someone had invested $10,000 at the start of the tested period, a 33.75% CAGR (Compound Annual Growth Rate) would have grown that money dramatically, far beyond a typical broad-market benchmark. CAGR is like your “average speed” over the trip, smoothing out the bumps. The max drawdown of about -15% is actually modest for such high growth, suggesting strong upside with surprisingly contained historical declines. However, past performance only shows what worked in that specific market environment. It can’t promise the same results going forward, so it’s smart to treat these numbers as a guide, not a guarantee, and stress-test your comfort with larger possible drops.

Warning Due to limited historical data, this may show extreme values that are not realistic.

Projection Info

The Monte Carlo analysis uses random simulations based on historical patterns to guess a range of future outcomes, a bit like running thousands of “what if” market paths. Here, even the low-end 5th percentile ending value looks extremely high, and every one of the 1,000 simulations was positive, with an average simulated annual return above 49%. That kind of output is unusually optimistic and likely reflects a short or unusually favorable data period. Simulations depend heavily on the inputs; if the past sample is very strong, the model can overstate expectations. It’s safer to mentally dial down these projections, assume more normal returns, and use them mainly for understanding variability rather than as a promise.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%
  • Other
    0%
  • No data
    0%

The portfolio sits at roughly 99% stock and 1% cash, which is about as aggressive as it gets in terms of asset classes. Stocks historically offer higher long-term returns than bonds or cash, but they can swing much more in the short term. This stock-heavy setup fits a growth profile and lines up with someone who can handle volatility and has a long horizon. However, with almost no stabilizing assets, declines during rough markets will be felt directly. One simple way to fine-tune risk over time is to decide on a minimum buffer in lower-volatility assets—this could be cash or other stabilizers—and gradually adjust that share as life circumstances or comfort with swings changes.

Sectors Info

  • Technology
    36%
  • Financials
    13%
  • Industrials
    11%
  • Health Care
    8%
  • Consumer Discretionary
    7%
  • Telecommunications
    6%
  • Basic Materials
    4%
  • Consumer Staples
    4%
  • Energy
    4%
  • Utilities
    2%
  • Real Estate
    2%
  • Consumer Discretionary
    2%

Sector exposure is clearly tilted toward technology at 36%, with financials, industrials, healthcare, and consumer-focused areas making up much of the rest. This tech-heavy stance is consistent with a growth orientation and has lined up well with recent years when technology outperformed broader markets. The flip side is that tech can be especially sensitive to interest rate changes, regulation, and sentiment shifts, which can amplify portfolio swings. The rest of the sectors are broadly represented and reasonably balanced, which is a plus and helps reduce single-sector risk. To keep this healthy, it can help to set a soft ceiling on how high any one sector should go relative to the overall market and trim back if it drifts too far above that.

Regions Info

  • North America
    73%
  • Europe Developed
    11%
  • Japan
    5%
  • Asia Emerging
    4%
  • Asia Developed
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Europe Emerging
    0%

Geographically, the portfolio leans heavily toward North America at about 73%, with the rest spread across developed Europe, Japan, other developed Asia, and a modest slice of emerging markets. This pattern is roughly in line with many global benchmarks that are also U.S.-heavy, and that alignment is a positive sign of mainstream diversification. The tilt means results are strongly tied to how North American markets, especially the U.S., perform. International exposure is still meaningful, which helps reduce home-country risk and capture different economic cycles. For fine-tuning, it can be helpful to decide on a preferred long-term split between domestic and international and then check periodically if market moves have pulled that split too far off target.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    24%
  • Mid-cap
    20%
  • Small-cap
    8%
  • Micro-cap
    4%

By market cap, there is a solid core in mega and large companies (about two-thirds of assets), with good representation in mid, small, and even micro caps. This spread across company sizes is a classic way to diversify growth drivers: big firms tend to be more stable, while smaller ones can grow faster but swing more. This allocation looks well-balanced and lines up closely with global standards, which supports both diversification and upside potential. The presence of dedicated small-cap and small value positions further boosts exposure to historically higher-return segments. To keep this mix aligned with your comfort level, it’s useful to watch whether small-cap exposure creeps up or down as markets move and rebalance if needed.

Redundant positions Info

  • Avantis® U.S. Small Cap Value ETF
    VANGUARD TAX-MANAGED SMALL-CAP FUND ADMIRAL SHARES
    High correlation
  • Invesco NASDAQ 100 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    Invesco S&P 500® Momentum ETF
    High correlation

Several holdings move very similarly, especially the pairing of the U.S. small-cap value ETF with the tax-managed small-cap fund, and the group built around the total U.S. market, NASDAQ 100, and momentum ETF. Correlation is a measure of how often assets go up and down together; highly correlated assets don’t add much diversification when markets get rough. Overlapping exposure is not always bad—it can be an intentional way to lean into certain themes—but too much overlap can mean unnecessary complexity without extra benefit. Before any further tweaks, it could help to map which holdings largely own the same kinds of stocks and consider whether a simpler lineup with fewer, broader funds would deliver similar exposure with easier monitoring.

Dividends Info

  • Apple Inc 0.40%
  • Avantis® International Small Cap Value ETF 2.60%
  • Avantis® U.S. Small Cap Value ETF 1.40%
  • WisdomTree Efficient Gold Plus Equity Strategy Fund 3.70%
  • Invesco NASDAQ 100 ETF 0.50%
  • Invesco PHLX Semiconductor ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.70%
  • VANGUARD MID-CAP INDEX FUND ADMIRAL SHARES 1.40%
  • VANGUARD PRIMECAP FUND ADMIRAL SHARES 30.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • VANGUARD TAX-MANAGED SMALL-CAP FUND ADMIRAL SHARES 0.90%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • MarketDesk Focused U.S. Momentum ETF 0.30%
  • Weighted yield (per year) 2.99%

The overall yield around 3% is quite respectable for a growth-tilted equity portfolio, and it provides a nice stream of cash that can either be reinvested or used for spending. Dividend yield is the income you get each year as a percentage of your investment, like “interest” from owning shares. Most of the yield here comes from diversified funds, including international and factor funds, which is a good sign because it’s not overly reliant on a single company. For long-term compounding, automatically reinvesting those dividends back into the portfolio often makes sense. Later, as needs change, turning that flow into a spending source rather than reinvesting can be a flexible way to support income.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • WisdomTree Efficient Gold Plus Equity Strategy Fund 0.20%
  • Invesco NASDAQ 100 ETF 0.15%
  • Invesco PHLX Semiconductor ETF 0.19%
  • Invesco S&P 500® Momentum ETF 0.13%
  • VANGUARD MID-CAP INDEX FUND ADMIRAL SHARES 0.05%
  • VANGUARD PRIMECAP FUND ADMIRAL SHARES 0.27%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • VANGUARD TAX-MANAGED SMALL-CAP FUND ADMIRAL SHARES 0.05%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.07%

The blended cost of about 0.07% is impressively low, especially considering the mix of index, factor, and active elements. Expense ratios act like a small leak in a bucket: even tiny differences compound over decades. This lineup’s costs are well below typical actively managed portfolios, which supports better long-term performance and is a big positive. Some of the specialized funds are more expensive than the broad index options, but their weights are small enough that they don’t meaningfully drag up the total. Going forward, the key question for each higher-cost position is whether it truly brings something unique—such as a specific factor tilt or strategy—that justifies keeping it over a cheaper, broader alternative.

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.

On a risk–return basis, the portfolio already sits in a strong spot, but the Efficient Frontier analysis suggests it could be pushed a bit closer to “maximum efficiency.” The Efficient Frontier is just a curve showing the best possible trade-offs between risk and return using the current set of holdings. Here, it indicates a portfolio with similar risk could, in theory, target higher expected returns by adjusting the mix, especially by trimming overlapping positions that don’t add diversification. It’s important to remember that “efficient” only means best risk-return ratio given past data and available assets. It doesn’t account for personal preferences like simplicity, taxes, or specific themes, so those should also weigh into any changes.

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