A concentrated growth portfolio with strong historic returns but high reliance on a single unknown holding

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 is comfortable with meaningful market swings and seeks high long‑term growth rather than steady income. The ideal profile is someone with a long time horizon, such as a decade or more, who can ride out sharp downturns without panicking. They are likely more focused on maximizing wealth over time than on short‑term stability or regular dividends. This kind of investor usually accepts the risk of concentrated positions and understands that strong past returns may come with periods of underperformance. Emotional resilience and a clear plan for staying invested during tough markets are key traits for this style.

Positions

  • Schwab U.S. Large-Cap Growth ETF
    SCHG - US8085243009
    55.45%
  • Tidal Trust III
    GRNY
    44.55%

This portfolio is extremely simple: roughly half in a broad large‑cap growth ETF and the other half in a single stock-like holding, with everything in stocks. That structure is very concentrated compared to many growth benchmarks, which usually mix multiple funds and sometimes a small cushion of lower‑risk assets. Simplicity can be powerful because it is easy to track and manage. However, when almost half sits in one name, portfolio ups and downs will heavily depend on that holding. Clarifying what the individual stock-like position actually owns and deciding if that level of single-position focus feels comfortable would be a useful next step.

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

Growth Info

Historically, the portfolio shows a very strong compound annual growth rate (CAGR) of about 15.9%, meaning an imagined $10,000 could have grown to around $40,000 over ten years if that rate persisted. CAGR is like the average speed over a long road trip, smoothing out bumps. The maximum drawdown of about –23.6% indicates that at one point the portfolio dropped roughly a quarter from a previous peak, which is relatively mild for a growth style and compares favorably with many growth benchmarks. It’s important to remember that past performance, no matter how strong, does not guarantee similar future results, especially with concentrated holdings.

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

Projection Info

The Monte Carlo results show a very wide range of possible futures. Monte Carlo is a method that runs many “what if” scenarios using past ups and downs to estimate potential outcomes. Here, the 5th percentile ending value at about 48% of starting value suggests meaningful downside is possible, while median and higher percentiles show large potential growth. The average annualized return across simulations above 18% looks impressive but is based on historical patterns that may not repeat. Treat these outputs as rough guideposts rather than promises, and consider whether you’d stay invested emotionally even if results skewed toward the weaker end of the range.

Asset classes Info

  • Stocks
    100%
  • Cash
    0%

All assets are in stocks, with no cash or defensive asset classes counted. That pure‑equity stance fits a growth‑oriented profile and can deliver strong long‑term returns but also sharper short‑term swings than a mixed portfolio holding bonds or other stabilizers. Many broad benchmarks for balanced investors hold at least some non‑stock exposure to dampen volatility. This allocation is clearly aligned with an aggressive growth mindset, but it may feel uncomfortable in deep market downturns. Thinking through how you handled past market drops and whether a small allocation to lower‑volatility assets would better match your comfort level could help fine‑tune the risk profile.

Sectors Info

  • Unknown
    45%
  • Technology
    24%
  • Telecommunications
    9%
  • Consumer Discretionary
    7%
  • Health Care
    5%
  • Financials
    4%
  • Industrials
    3%
  • Consumer Staples
    1%
  • Basic Materials
    1%
  • Energy
    0%
  • Utilities
    0%
  • Real Estate
    0%

Sector data shows a clear tilt toward technology and related growth areas, with technology, communication services, and consumer cyclicals as key exposures. About 45% of the portfolio is labeled “unknown,” presumably linked to the Tidal Trust position, making the true sector mix partially opaque. A tech‑heavy growth style often outperforms during innovation‑driven bull markets but can be hit hard when interest rates rise or when investors rotate toward more defensive areas. The visible piece of the portfolio already resembles many growth benchmarks, which is a positive sign for alignment. Clarifying the sector breakdown inside the unknown bucket would help avoid accidental over‑concentration in just a few themes.

Regions Info

  • North America
    55%
  • Unknown
    45%
  • Asia Emerging
    0%
  • Asia Developed
    0%
  • Europe Developed
    0%

Geographically, the identifiable portion is fully in North America, and almost half the portfolio is tagged as “unknown” by region. That likely means a heavy home‑country focus with unclear diversification benefits from the remaining piece. Typical global benchmarks spread exposure across multiple developed and sometimes emerging regions, which can help soften the impact of slowdowns in any single economy. The North American focus has been rewarding in recent years, so this alignment has worked well historically. Still, checking whether the unknown holding is also mostly U.S.-focused or more global could reveal whether there’s room to reduce home bias and add resilience against region‑specific downturns.

Market capitalization Info

  • Unknown
    45%
  • Mega-cap
    34%
  • Large-cap
    14%
  • Mid-cap
    7%
  • Small-cap
    1%

The size breakdown shows a strong tilt toward very large companies (mega and big caps), which is typical for broad growth ETFs and many major benchmarks. Larger firms tend to be more stable and liquid than small companies, which can help reduce some volatility even within a growth strategy. However, around 45% of assets are again labeled “unknown,” so the true market‑cap mix may be more concentrated than it appears. A modest slice in mid‑ and small‑cap names can sometimes boost long‑term growth but also increases short‑term swings. Confirming how the unknown holding is distributed by size could reveal whether the current mix already offers enough size diversification.

Redundant positions Info

  • Tidal Trust III
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The two holdings are described as highly correlated, meaning they tend to move in the same direction at the same time. Correlation is a simple measure of how similarly assets behave; when correlation is high, they rise and fall together. In downturns, highly correlated positions may not protect each other, reducing the diversification benefit of holding more than one asset. This portfolio’s correlation profile suggests that, despite having two components, it behaves much like a single concentrated growth bet. Reviewing whether that overlap is intentional and exploring ways to add truly different return drivers—without drifting away from a growth focus—could improve resilience.

Dividends Info

  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Weighted yield (per year) 0.22%

Dividend yield is quite low overall, around 0.22%, which is typical for a growth‑oriented setup. Growth companies often reinvest profits back into the business rather than paying high dividends, so more of the return comes from price increases instead of cash payouts. This can be attractive for investors who care more about long‑term compounding than about regular income. The low yield also means the portfolio relies heavily on market appreciation to meet goals. For anyone who might need periodic cash flow in the future, planning ahead—either by setting aside a cash buffer or gradually introducing some income‑oriented holdings later—can help avoid selling shares at inconvenient times.

Ongoing product costs Info

  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Weighted costs total (per year) 0.02%

Costs are impressively low, with the ETF showing a total expense ratio (TER) around 0.04%, pulling the estimated blended portfolio cost down toward 0.02%. TER is like a small annual membership fee for managing the fund. Keeping costs this low is a big plus because even tiny percentage differences compound meaningfully over many years. This aligns well with best practices and supports better long‑term performance compared to higher‑fee alternatives. The main variable to watch is any hidden or trading‑related costs linked to the individual stock-like position. Periodically confirming that no new, higher‑fee products are added helps preserve this strong cost advantage.

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.

From a risk‑return optimization angle, this portfolio sits on a narrow part of the Efficient Frontier. The Efficient Frontier is a curve that shows the best possible trade‑off between risk and return using a given set of assets. With two holdings that move very similarly and are both growth‑oriented stocks, there’s limited room to rearrange weights to meaningfully change the risk‑return profile without adding new types of assets. Efficiency here would come mainly from reducing redundant overlap and deciding how much single‑position risk is acceptable. If the current level of concentration feels too high, small shifts toward broader, less correlated exposures could move the portfolio closer to a more balanced point on that curve.

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