Heavy US growth and technology focus with strong recent returns and modest diversification beyond large caps

Report created on May 9, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is built almost entirely from equity ETFs, with a small slice in gold and bitcoin and one single stock. The core is three big US funds: broad S&P 500 exposure, a NASDAQ 100 fund, and an S&P 500 momentum fund that together drive most of the behaviour. Around them sit smaller positions in tech, semiconductors, dividends, value, and international equities. This structure mixes broad index exposure with some targeted “satellites” in higher-growth and higher-yield areas. The result is a growth-leaning equity portfolio with a few diversifiers at the edges rather than a mix of very different asset types. That’s why it still behaves mainly like an equity portfolio, just with a tilt toward specific themes.

Growth Info

From early 2024 to May 2026, $1,000 in this portfolio grew to about $1,753. That translates to a Compound Annual Growth Rate (CAGR) of 27.57%, meaning average yearly growth over the period, similar to a car’s average speed over a trip. This beat both the US and global market benchmarks by just over 5 percentage points per year. The maximum drawdown, or worst peak‑to‑trough fall, was about -19.1%, very similar to the benchmarks. So the portfolio captured more upside without noticeably deeper declines. However, this is a short, favourable window that includes a strong run for US tech and momentum, so it may overstate what’s realistic over longer periods.

Projection Info

The forward projection uses a Monte Carlo simulation, which is basically a thousand “what if?” replays of the future based on past return and volatility patterns. Each simulation shakes the dice differently to show a range of possible paths rather than a single forecast. Here, a $1,000 investment ends at a median of about $2,740 after 15 years, with a wide “likely” range from roughly $1,824 to $4,141. About 74% of simulations finish above the starting value, and the average annual return across them is 8.07%. These numbers are helpful for intuition, but they lean on history and statistics, so real‑world outcomes can easily land outside even the 5–95% range.

Asset classes Info

  • Stocks
    98%
  • Other
    1%
  • Crypto
    1%

Asset class exposure is very concentrated: 98% in stocks, 1% in gold, and 1% in bitcoin. So almost all of the portfolio’s ups and downs are tied to equity markets, especially US equities. Gold and bitcoin can behave differently from stocks, but at just 1% each, their impact on overall volatility and returns is limited. Compared with many “balanced” allocations that hold meaningful bonds or cash, this mix sits much closer to a pure equity profile. That can be powerful in strong equity markets but leaves less of a cushion if stocks have a prolonged weak spell, because there’s little in the structure that’s designed to move independently of equities.

Sectors Info

  • Technology
    41%
  • Financials
    11%
  • Telecommunications
    9%
  • Industrials
    8%
  • Health Care
    7%
  • Consumer Discretionary
    7%
  • Consumer Staples
    6%
  • Energy
    4%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    1%
  • Crypto
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, technology is the dominant theme at 41%, with financials, telecom, industrials, health care, and consumer areas making up most of the rest. A 40%+ tech weight is well above broad global market norms, reflecting the mix of NASDAQ 100, tech sector, semiconductor, and momentum exposure. Tech‑heavy portfolios often benefit when growth stocks and innovation themes are in favour but can be more sensitive when interest rates rise or when sentiment turns against high‑growth names. The rest of the sectors are more evenly spread, which helps avoid being “all‑or‑nothing” in a single industry. But the tech tilt is still the defining trait and is a key driver of both return potential and risk.

Regions Info

  • North America
    91%
  • Europe Developed
    4%
  • Japan
    1%
  • Asia Developed
    1%
  • Asia Emerging
    1%
  • Australasia
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio is very US‑centric: about 91% North America with only modest exposure to Europe, Japan, and the rest of the developed and emerging world. Global equity benchmarks typically have a lower US share, so this is a clear overweight to the US market and dollar. That has helped recently, as US large‑cap and tech names have led global performance. The trade‑off is that economic, political, or regulatory shocks that hit the US specifically would have a large impact here. The small allocations to international and international dividend ETFs do add some global flavour, but they don’t change the fact that this is basically a US‑led story.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    38%
  • Mid-cap
    14%
  • No data
    1%
  • Small-cap
    1%

This breakdown covers the equity portion of your portfolio only.

The market capitalization mix is concentrated in the largest companies, with 44% in mega‑caps and 38% in large‑caps. Mid‑caps are a modest 14%, and small‑caps around 1%. This is typical of portfolios anchored in major US indices, which themselves are dominated by the biggest firms. Larger companies often have more stable earnings and easier access to capital, so they can feel less fragile than very small names, but they’re also more tied to broad market moves. A lower small‑cap share means less exposure to that higher‑risk, potentially higher‑return segment. The portfolio therefore mainly reflects the behaviour of well‑known global leaders rather than niche or early‑stage companies.

True holdings Info

  • NVIDIA Corporation
    7.21%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Technology Select Sector SPDR® Fund
    • VanEck Semiconductor ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    4.53%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Technology Select Sector SPDR® Fund
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    3.55%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Technology Select Sector SPDR® Fund
    • VanEck Semiconductor ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    3.30%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Technology Select Sector SPDR® Fund
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    2.81%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Micron Technology Inc
    2.39%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Technology Select Sector SPDR® Fund
    • VanEck Semiconductor ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Value Index Fund ETF Shares
  • Alphabet Inc Class C
    2.34%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    2.23%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Visa Inc. Class A
    2.00%
  • Meta Platforms Inc.
    1.37%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 31.72%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs, a handful of mega‑cap growth names show up repeatedly: NVIDIA (about 7.2% total), Apple, Broadcom, Microsoft, Alphabet, Micron, Amazon, and Meta all sit in the top look‑through exposures. Visa appears both as a direct 2% holding and in indexes, though here it only shows as direct. This repetition is “overlap” – the same company owned via multiple funds – which can quietly concentrate risk even when each ETF looks diversified. Because the analysis only uses ETF top‑10 holdings, actual overlap is likely higher than shown. So while the portfolio holds many funds, its true drivers include a relatively small set of big US growth and tech names.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 96%
Size
Exposure to smaller companies
Low
Data availability: 98%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 92%
Quality
Preference for financially healthy companies
Neutral
Data availability: 92%
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.

Across investment factors, the portfolio looks mostly market‑like: value, momentum, quality, yield, and low volatility all sit in the neutral band. Factor exposure is about how much a portfolio leans into characteristics like cheapness (value) or recent winners (momentum) that research has linked to returns. A neutral reading means there’s no strong, systematic bet on any single style based on this snapshot. The one mild tilt is size at 39%, meaning a slight lean away from smaller companies toward larger ones. In practice, that’s consistent with the heavy mega‑ and large‑cap weights. Overall, the factor mix suggests that the portfolio’s distinctiveness comes more from sector and geography than from classic factor tilts.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 34.00%
    30.9%
  • Invesco S&P 500® Momentum ETF
    Weight: 19.00%
    22.4%
  • Invesco NASDAQ 100 ETF
    Weight: 19.00%
    22.4%
  • Vanguard Information Technology Index Fund ETF Shares
    Weight: 3.00%
    4.2%
  • Technology Select Sector SPDR® Fund
    Weight: 3.00%
    4.2%
  • Top 5 risk contribution 84.1%

Risk contribution shows how much each holding adds to the portfolio’s overall volatility, which can differ from its weight. Here, the three big core funds—Vanguard S&P 500, Invesco NASDAQ 100, and Invesco S&P 500 Momentum—make up 72% of the weight but about 76% of total risk. The two tech‑focused ETFs, each just 3% by weight, together add over 8% of the risk, with risk‑to‑weight ratios around 1.4. That tells you these smaller tech funds punch above their size in driving ups and downs. The overall picture is that a handful of growth‑oriented US funds dominate portfolio behaviour, while the many smaller satellite positions have relatively modest risk impact.

Redundant positions Info

  • BNY Mellon International Equity ETF
    Vanguard International High Dividend Yield Index Fund ETF Shares
    Vanguard Total International Stock Index Fund ETF Shares
    High correlation
  • Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    Invesco NASDAQ 100 ETF
    Technology Select Sector SPDR® Fund
    Vanguard Information Technology Index Fund ETF Shares
    High correlation

Correlation measures how often assets move together, from -1 (always opposite) to +1 (almost identical). Several pairs in this portfolio are “almost identical,” especially among US and tech exposures: NASDAQ 100 with tech sector funds, and S&P 500 with total US market, for example. International funds also show very high correlation with each other. High correlation isn’t bad by itself, but it means these funds don’t provide much diversification from one another during market swings. So owning multiple broad US or tech funds spreads money across products but not necessarily across different behaviour patterns; they tend to rise and fall in similar ways, especially in sharp market moves.

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 efficient frontier chart compares different mixes of your existing holdings. It shows the best expected return for each level of risk and highlights the current portfolio, the “optimal” portfolio (highest Sharpe ratio), and the minimum‑risk mix. The Sharpe ratio is a simple risk‑adjusted score: higher means more return per unit of volatility. Here, the current Sharpe of 1.27 sits below both the optimal (2.25) and minimum‑variance (1.65) portfolios, and the current point lies about 13.5 percentage points under the frontier at the same risk level. That suggests that, based on recent data, simply reweighting these same holdings could have delivered a more efficient risk/return trade‑off.

Dividends Info

  • BNY Mellon International Equity ETF 3.30%
  • Invesco NASDAQ 100 ETF 0.40%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • Schwab International Dividend Equity ETF 3.40%
  • VanEck Semiconductor ETF 0.20%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Visa Inc. Class A 0.80%
  • Vanguard Information Technology Index Fund ETF Shares 0.30%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.00%
  • Vanguard Value Index Fund ETF Shares 1.90%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 3.40%
  • Technology Select Sector SPDR® Fund 0.40%
  • Weighted yield (per year) 1.07%

The overall dividend yield of about 1.07% is modest, especially given the presence of dedicated dividend and high‑yield funds. This happens because a large chunk of the portfolio is in growth‑oriented US and tech exposures, which tend to pay lower dividends but aim for higher price growth. Individual dividend ETFs and international high‑yield funds offer yields around 3–3.4%, but they’re relatively small allocations, so they don’t move the total yield much. Dividends can be a helpful component of long‑term returns and cash flow, yet in this setup they’re clearly a secondary driver. Most of the portfolio’s performance has come from capital gains rather than income.

Ongoing product costs Info

  • BNY Mellon International Equity ETF 0.04%
  • iShares Gold Trust 0.25%
  • iShares Bitcoin Trust 0.12%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab International Dividend Equity ETF 0.14%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • Technology Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.09%

The cost picture is a real strength here. The overall Total Expense Ratio (TER) is about 0.09%, which is very low by industry standards. TER is the annual fee taken by funds to cover management and operations; even small differences compound over time. Most holdings are broad, low‑cost index ETFs in the 0.03–0.15% range, with only a couple of specialised funds above that. This alignment with low‑cost index investing supports better long‑term net returns, because less performance is eaten up by fees each year. In terms of structural design, the fee side of the portfolio is working very efficiently and is clearly aligned with best practices.

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