Concentrated US equity portfolio combining broad index exposure with a focused industrial stock position
Report created on Apr 23, 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
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 90.00% -
CL Clean Harbors Inc
CLH - US1844961078 10.00%
This portfolio is very simple: one broad US equity ETF at 90% and a single individual stock at 10%. That means almost all movements come from the overall US stock market, with an extra kick from the chosen stock. A structure like this is easy to understand and maintain, because there are only two positions to track. The trade-off is that diversification across different regions and asset types is limited. In practice, this behaves much like a pure US equity index portfolio, but with an added tilt toward one industrial company, which can slightly increase both risk and potential return relative to just holding the ETF alone.
Growth
Historically, $1,000 invested in this portfolio in 2016 grew to about $4,268, a compound annual growth rate (CAGR) of 15.66%. CAGR is like average speed on a road trip: it smooths out all the bumps into one yearly rate. This outpaced both the US market benchmark (14.80%) and the global market (12.19%). The worst peak-to-trough fall, or max drawdown, was about -36%, a bit deeper than the benchmarks’ roughly -34%. That shows strong long-term growth but with sharp drops during stress, which is typical for a growth-oriented, equity-only portfolio tied closely to the US market cycle.
Projection
The forward projection uses a Monte Carlo simulation, which means the computer replays thousands of “what if” market paths based on past ups and downs. For a 15‑year period, $1,000 has a median outcome around $2,784, with a likely middle range between roughly $1,840 and $4,220. The wide possible band from about $975 to $7,753 highlights how uncertain future markets can be, even when using solid historical data. The average simulated annual return of 8.21% is lower than the historical 15.66%, which underlines that past strength does not guarantee similar future results, especially after a strong decade for US stocks.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash substitutes, or alternative assets. That creates clear exposure to the growth potential of businesses but also to equity market volatility. Asset classes are the big building blocks of a portfolio, and mixing them is a classic way to spread risk. Here, the absence of bonds or other stabilizers means returns are likely to swing more with stock market cycles. This all‑equity structure is simple and transparent, and performance is driven almost entirely by company earnings, economic conditions, and investor sentiment toward stocks rather than interest-rate–style bond behavior.
Sectors
- Technology 30%
- Industrials 18%
- Financials 11%
- Telecommunications 9%
- Consumer Discretionary 9%
- Health Care 9%
- Consumer Staples 5%
- Energy 4%
- Utilities 2%
- Real Estate 2%
- Basic Materials 2%
Sector-wise, the portfolio leans toward technology at about 30%, followed by a notable 18% in industrials, helped by the dedicated Clean Harbors position. Financials, telecom, consumer areas, health care, energy, utilities, real estate, and materials are all represented with smaller slices, so sector coverage is fairly broad within the US market. Being tech-tilted often means benefiting when innovation-heavy companies do well, but it can be more sensitive during rate hikes or shifts away from growth stocks. The industrial exposure adds a cyclical component that tends to move with economic activity, so earnings can be more affected by booms and slowdowns.
Regions
- North America 100%
Geographically, the portfolio is 100% North America, entirely driven by US-listed companies. That makes the portfolio’s fate closely tied to the US economy, corporate earnings, and US dollar movements. In global benchmarks, the US is a major share but not the whole world, so this is a clear home-country concentration. The benefit is exposure to deep, liquid markets and many leading global companies that happen to be US-based. The flip side is that if US equities lag other regions for a period, there is no offset from non-US markets, and currency risk is focused on the dollar rather than being spread across multiple currencies.
Market capitalization
- Large-cap 42%
- Mega-cap 41%
- Mid-cap 16%
- Small-cap 1%
By market capitalization, this portfolio is heavily tilted toward mega-caps and large-caps, which together make up about 83%, with 16% in mid-caps and only 1% in small-caps. Market cap is just company size in stock-market terms. Larger companies tend to be more established and often less volatile day to day, though they can still move sharply in crises. This large‑cap dominance aligns with how broad US indices are constructed, so it matches common benchmarks well. The modest mid‑cap slice adds a bit more growth and volatility, while the tiny small‑cap exposure means smaller, more niche companies play almost no role here.
True holdings
-
-
NV NVIDIA Corporation 6.82%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 5.99%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.43%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.28%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.69%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.36%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.16%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 2.02%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.68%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 41.43%
Looking through the ETF’s top holdings, the biggest underlying exposures include names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, and Tesla. None of these overlap with the direct Clean Harbors position, so there’s no hidden duplication from that stock. Still, the top tech and communication names create concentration in a handful of very large companies driving a meaningful portion of portfolio behavior. Because only top‑10 ETF holdings are shown, overlap is likely understated for the rest of the index. Even so, this view confirms that a relatively small group of mega‑cap growth companies have an outsized influence on returns.
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.
Across investment factors, the portfolio shows neutral, market-like exposure in value, momentum, quality, yield, and low volatility, with a mildly low exposure to the size factor. Factor exposure is like checking the “ingredients” behind performance drivers, such as whether holdings are cheap, stable, fast-rising, or high-dividend. Here, the overall picture is very balanced: the portfolio behaves similarly to the broad market rather than making big bets on any specific style. The lower size exposure simply reflects the dominance of large and mega-cap names. This kind of factor profile tends to track market trends closely rather than strongly zigging when the market zags.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 90.00% 87.0% -
Clean Harbors Inc
Weight: 10.00% 13.0%
Risk contribution shows how much each position drives the portfolio’s overall ups and downs. The S&P 500 ETF is 90% of the weight and contributes about 87% of total risk, which is roughly in line with its size. Clean Harbors is 10% of the portfolio but contributes about 13% of the risk, meaning it’s a bit more volatile than the ETF. This is common for single stocks, which can swing more than diversified funds. Overall, most risk is still tied to broad US equity behavior, but the single-stock slice slightly amplifies potential moves, especially around company-specific news like earnings or industry developments.
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 chart shows the current portfolio sitting on or very near the efficient frontier. The efficient frontier represents the best return achievable for each risk level using just these holdings in different mixes. The current Sharpe ratio of 0.68, which measures return per unit of risk above the risk‑free rate, is lower than both the max‑Sharpe and minimum‑variance portfolios, but not by much. That suggests the existing weight split is already broadly efficient for the chosen risk level. In other words, within the limited two‑asset set, there isn’t a lot of unused potential from simple reweighting alone.
Dividends
- Vanguard S&P 500 ETF 1.10%
- Weighted yield (per year) 0.99%
The portfolio’s overall dividend yield is about 0.99%, with the S&P 500 ETF yielding around 1.10%. Dividend yield is the annual cash payout as a percentage of the current price, like interest on a savings account but not guaranteed. Here, income plays a relatively small role in the total return profile, which has been driven mainly by price gains from US equities. This aligns with a growth-oriented equity portfolio where many companies reinvest earnings instead of paying high dividends. Investors relying on this kind of portfolio would typically see most of their long‑term gains come from capital appreciation rather than regular cash distributions.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.03%
Portfolio costs are impressively low, with the ETF’s total expense ratio (TER) at just 0.03% and no ongoing fund fee on the individual stock. TER is the annual fee charged by funds to cover management and operations, quietly deducted from returns. A 0.03% fee level aligns with the most cost-efficient index products on the market and supports better compounding over time. When performance is largely driven by market returns, keeping costs minimal preserves more of that growth. In this case, fees are not a meaningful drag, which is a strong structural advantage of this simple, index-heavy setup.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey