A high growth tilted portfolio with strong small cap exposure and tech heavy global equity focus
Report created on Mar 16, 2026Risk profile
5/7
Diversification profile
3/5
Positions
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VI VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
VIGAX - US9229086601 40.00% -
VS VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES
VSMAX - US9229086866 20.00% -
VT VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES
VTMGX - US9219438093 15.00% -
QI FEDERATED MDT SMALL CAP GROWTH FUND INSTITUTIONAL SHARES
QISGX - US31421R7594 10.00% -
VT VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
VTIAX - US9219098186 10.00% -
LD LAZARD DEVELOPING MARKETS EQUITY PORTFOLIO INSTITUTIONAL SHARES
LDMIX - US52106N4759 5.00%
This portfolio is almost fully in stocks, with a big anchor in a broad US growth fund, plus meaningful small‑cap and international index funds and two active higher‑cost satellite funds. This structure is firmly in “growth” territory and lines up reasonably well with a typical growth benchmark, though it leans a bit more into small caps and less into bonds than many balanced models. That matters because heavy stock exposure drives both higher long‑term return potential and deeper short‑term drops. Someone using a setup like this could consider whether the near‑zero bond and cash exposure truly matches their need for stability, and if not, gradually shift a slice into more defensive assets instead of adding more equity risk.
Growth
Historically, a 14.95% Compound Annual Growth Rate (CAGR) means a $10,000 starting amount would have grown to roughly $40,000 over 10 years, assuming similar conditions. CAGR is like average speed on a long road trip: it smooths out all the ups and downs. The max drawdown of about -35% shows that during past stress, the value could have dropped from $100,000 to around $65,000 before recovering. That’s typical for an aggressive equity portfolio and broadly similar to growth benchmarks in rough markets. This alignment is actually a good sign. Still, because past performance doesn’t guarantee future results, it’s wise to stress‑test whether such drops would be emotionally and financially manageable.
Projection
The Monte Carlo analysis ran 1,000 simulated paths using historical data to estimate future possibilities, a bit like rolling dice thousands of times to see many market futures. It shows a median outcome around 430% growth and an annualized simulated return of about 14.5%, with 981 out of 1,000 runs positive. At the pessimistic 5th percentile, growth is still positive, but that’s no guarantee; simulations rely on past patterns and typical volatility that may not repeat. This is a strong indication of high long‑term growth potential with meaningful risk. A practical use of this info is to ask whether lifestyle plans would still work if returns landed closer to the lower‑end scenarios rather than the eye‑catching median.
Asset classes
- Stocks 99%
- Cash 1%
Asset‑class exposure is almost pure equity at 99% stocks and only about 1% cash, with no bonds or alternatives showing up. This is more aggressive than many growth benchmarks, which usually hold at least a small slice of bonds to cushion big drops. Stocks are the main long‑term engine for wealth, but relying on them alone means riding out sometimes brutal downturns. This allocation is well‑aligned with a high‑growth, long‑horizon mindset. If stability, spending needs, or sleep‑at‑night comfort become more important, shifting even 10–20% into more defensive, lower‑volatility assets could smooth the ride without completely sacrificing the growth‑oriented design.
Sectors
- Technology 32%
- Industrials 13%
- Financials 12%
- Consumer Discretionary 11%
- Health Care 10%
- Telecommunications 9%
- Basic Materials 3%
- Consumer Staples 3%
- Real Estate 3%
- Energy 2%
- Utilities 1%
The sector mix is clearly tech‑heavy at about 32%, with solid representation in industrials, financials, consumer cyclical, healthcare, and communication services, plus smaller slices elsewhere. This looks somewhat more growth‑oriented than broad global benchmarks, which generally have a lower tech share and slightly more in defensive areas. The good news: tech leadership has supported strong returns, and the overall sector spread is still fairly broad, which is a strong indicator of diversification. The flip side is that tech‑driven portfolios can get hit harder during interest‑rate spikes or when growth stocks fall out of favor. Periodically checking that the tech weight hasn’t drifted even higher over time can help keep risk in line with expectations.
Regions
- North America 72%
- Europe Developed 12%
- Asia Developed 5%
- Japan 5%
- Asia Emerging 4%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
Geographically, the portfolio is anchored in North America at around 72%, with additional exposure across developed Europe, Japan, developed Asia, and smaller allocations to emerging regions like Asia, Latin America, and Africa/Middle East. This is close to many global equity benchmarks, which also lean heavily on the US, so it’s a familiar and sensible structure. The international slice offers useful diversification benefits, although US markets still dominate the risk and return profile. For someone wanting more global balance, gradually nudging the non‑US portion higher could reduce reliance on a single market, but for many growth‑oriented investors this US‑tilted global mix is a comfortable and effective core setup.
Market capitalization
- Mega-cap 42%
- Large-cap 18%
- Small-cap 16%
- Mid-cap 16%
- Micro-cap 7%
The mix by company size shows about 42% in mega‑caps, plus meaningful stakes in big, mid, small, and even micro‑cap companies. That’s a stronger tilt toward smaller firms than a typical market‑cap weighted global index, which is usually dominated more by mega‑caps. Smaller companies historically have offered higher growth potential but also sharper drawdowns and more volatility. This size tilt is aligned with a growth‑seeking mindset and can be a positive return driver over long periods. It can, however, amplify pain in bear markets. Keeping an eye on how much of the portfolio’s swings seem driven by smaller companies can help decide whether that extra turbulence still feels worth the potential upside.
True holdings
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0 Taiwan Semiconductor Manufacturing Co Ltd 6.44%
Part of fund(s):- FEDERATED MDT SMALL CAP GROWTH FUND INSTITUTIONAL SHARES
- LAZARD DEVELOPING MARKETS EQUITY PORTFOLIO INSTITUTIONAL SHARES
- VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES
- VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
- VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES
- VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
-
1 Tencent Holdings Ltd 5.32%
Part of fund(s):- FEDERATED MDT SMALL CAP GROWTH FUND INSTITUTIONAL SHARES
- LAZARD DEVELOPING MARKETS EQUITY PORTFOLIO INSTITUTIONAL SHARES
- VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES
- VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
- VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES
- VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
-
2 Alibaba Group Holding Ltd 5.04%
Part of fund(s):- FEDERATED MDT SMALL CAP GROWTH FUND INSTITUTIONAL SHARES
- LAZARD DEVELOPING MARKETS EQUITY PORTFOLIO INSTITUTIONAL SHARES
- VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES
- VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
- VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES
- VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
-
3 Samsung Electronics Co Ltd 2.99%
Part of fund(s):- FEDERATED MDT SMALL CAP GROWTH FUND INSTITUTIONAL SHARES
- LAZARD DEVELOPING MARKETS EQUITY PORTFOLIO INSTITUTIONAL SHARES
- VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES
- VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
- VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES
- VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
-
4 HDFC Bank Ltd 2.31%
Part of fund(s):- FEDERATED MDT SMALL CAP GROWTH FUND INSTITUTIONAL SHARES
- LAZARD DEVELOPING MARKETS EQUITY PORTFOLIO INSTITUTIONAL SHARES
- VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES
- VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
- VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES
- VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
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5 TOTVS SA 2.25%
Part of fund(s):- FEDERATED MDT SMALL CAP GROWTH FUND INSTITUTIONAL SHARES
- LAZARD DEVELOPING MARKETS EQUITY PORTFOLIO INSTITUTIONAL SHARES
- VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES
- VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
- VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES
- VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
-
6 SK Hynix Inc 2.03%
Part of fund(s):- FEDERATED MDT SMALL CAP GROWTH FUND INSTITUTIONAL SHARES
- LAZARD DEVELOPING MARKETS EQUITY PORTFOLIO INSTITUTIONAL SHARES
- VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES
- VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
- VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES
- VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
-
7 FIXED INC CLEARING CORP.REPO 1.99%
Part of fund(s):- FEDERATED MDT SMALL CAP GROWTH FUND INSTITUTIONAL SHARES
- LAZARD DEVELOPING MARKETS EQUITY PORTFOLIO INSTITUTIONAL SHARES
- VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES
- VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
- VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES
- VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
-
8 MercadoLibre Inc 1.69%
Part of fund(s):- FEDERATED MDT SMALL CAP GROWTH FUND INSTITUTIONAL SHARES
- LAZARD DEVELOPING MARKETS EQUITY PORTFOLIO INSTITUTIONAL SHARES
- VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES
- VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
- VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES
- VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
-
9 Lenovo Group Ltd 1.28%
Part of fund(s):- FEDERATED MDT SMALL CAP GROWTH FUND INSTITUTIONAL SHARES
- LAZARD DEVELOPING MARKETS EQUITY PORTFOLIO INSTITUTIONAL SHARES
- VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES
- VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
- VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES
- VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
- Top 10 total 31.35%
Looking through to the biggest underlying holdings, there’s noticeable exposure to large non‑US tech and platform companies like semiconductor manufacturers and online platforms in Asia and Latin America. These names often drive a lot of performance in international and emerging‑market funds but can be more volatile around regulation, geopolitics, and currency swings. Overlap might be understated because only top‑10 ETF holdings are captured, so true concentration could be higher. Understanding that a meaningful chunk of risk may be tied to a handful of big overseas growth names, it can help to periodically review whether that tilt is intentional and still feels comfortable, especially if volatility in those regions starts dominating account value moves.
Factors
Factor exposure shows dominant tilts toward size, momentum, and value. Factors are like underlying “personality traits” of investments that research links to long‑term returns. A strong size tilt means extra exposure to smaller companies; momentum means holdings that have done well recently; value suggests some exposure to cheaper‑priced shares. This mix often performs well in trending or recovery markets but can suffer when trends abruptly reverse or when growth darlings lead instead of value. Signal coverage is moderate, so readings are approximate rather than perfect. Recognizing these tilts helps set expectations: performance may periodically look quite different from a plain market index, which is normal for a factor‑rich portfolio.
Risk contribution
-
VANGUARD GROWTH INDEX FUND ADMIRAL SHARES
Weight: 40.00% 42.9% -
VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES
Weight: 20.00% 21.3% -
FEDERATED MDT SMALL CAP GROWTH FUND INSTITUTIONAL SHARES
Weight: 10.00% 12.8% -
VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES
Weight: 15.00% 11.5% -
VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES
Weight: 10.00% 7.5% - Top 5 risk contribution %
Risk contribution measures how much each holding drives the portfolio’s ups and downs, which can be very different from simple weights. Here, the main US growth index fund, the small‑cap index fund, and the active small‑cap growth fund together contribute about 77% of total risk, slightly more than their combined weight. That shows risk is concentrated in US growth and small caps. This concentration is understandable for a growth profile, and it broadly matches the overall design. Still, if volatility ever starts to feel too intense, trimming the higher‑beta small‑cap growth slice or shifting part of it into broader, more stable holdings can bring the risk contribution closer to intended levels without completely changing the strategy.
Redundant positions
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High correlationVANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARESVANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES
Correlation describes how assets move together; a value of 1 means they move almost in lockstep, while 0 means they move independently. The developed‑markets and total‑international funds are flagged as highly correlated, which makes sense because they cover very similar regions. Highly correlated assets add less diversification benefit in market stress, since they tend to fall and rise together. This structure is still reasonably diversified overall, but there may be some redundancy between overlapping international funds. One practical step some investors take is to simplify overlapping positions, keeping one broad global or international core and then adding only those satellites that bring clearly different exposure or a distinct role.
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.
Risk‑versus‑return can be visualized using the Efficient Frontier, which shows the best possible trade‑off for a given set of assets. Here, optimization would only reshuffle weights among the existing funds, not introduce new products. Because several holdings are highly correlated and almost everything is equity, potential efficiency gains mainly come from reducing redundant overlap and balancing the mix between aggressive and more stable equity buckets. Efficiency in this context means achieving the highest expected return for each level of volatility, not necessarily maximizing diversification or minimizing losses. Before any optimization, simplifying overlapping international funds and rechecking the core vs satellite split could make later fine‑tuning more effective and easier to maintain.
Dividends
- FEDERATED MDT SMALL CAP GROWTH FUND INSTITUTIONAL SHARES 4.10%
- VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.40%
- VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES 1.30%
- VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 2.50%
- VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES 2.40%
- Weighted yield (per year) 1.44%
The portfolio’s overall dividend yield of about 1.44% is modest, which is typical for a growth‑oriented, equity‑heavy mix. Dividends are the cash payouts companies make to shareholders and can be an important part of total return over time, especially in more income‑focused strategies. Here, most of the return expectation comes from price appreciation rather than income, although some funds, especially outside the pure growth category, offer higher yields. This setup suits investors more focused on long‑term growth than current cash flow. If reliable income ever becomes a bigger goal, shifting a portion toward higher‑yielding but still diversified holdings could gradually increase the portfolio’s payout without fully abandoning the growth profile.
Ongoing product costs
- LAZARD DEVELOPING MARKETS EQUITY PORTFOLIO INSTITUTIONAL SHARES 1.10%
- FEDERATED MDT SMALL CAP GROWTH FUND INSTITUTIONAL SHARES 0.89%
- VANGUARD GROWTH INDEX FUND ADMIRAL SHARES 0.05%
- VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES 0.05%
- VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES 0.09%
- VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES 0.05%
- Weighted costs total (per year) 0.19%
Total ongoing costs (TER) around 0.19% are impressively low for a multi‑fund portfolio and strongly support long‑term performance. Most of the allocation sits in very low‑cost index funds; the main cost drag comes from the two active funds, which have significantly higher expense ratios. Costs compound just like returns, so keeping them low is a major advantage and aligns well with best practices. The current structure strikes a nice balance between cheap core index exposure and a couple of targeted active bets. If performance or conviction in the active strategies ever fades, one easy lever to boost net returns further is reducing those higher‑fee slices in favor of similar, lower‑cost alternatives.
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