A growth focused stock portfolio with strong US tilt and heavy technology exposure

Report created on Sep 17, 2024

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is built almost entirely around broad US stocks, with a 70% core in a large‑cap index fund. That’s complemented by 10% in US small‑cap value, 10% in semiconductors, and 10% in broad international stocks. This setup leans clearly toward growth and equity risk, matching the stated growth profile and risk score. A structure like this is relevant because the core-satellite approach (big diversified core plus targeted tilts) can keep things simple while still adding extra growth levers. The overall mix already looks coherent and intentional. If fine‑tuning, the main levers to tweak would be the size of the semiconductor tilt and how much is left in international versus US exposure.

Growth Info

Historically, this mix shows a very strong compound annual growth rate (CAGR) of 18.34%. CAGR is like your average speed on a long road trip: it smooths out the bumps to show the typical yearly gain. A hypothetical $10,000 growing at that pace for 10 years would end up around $54,000, which is well above what broad global equity benchmarks have delivered long term. The trade‑off is a maximum drawdown of about ‑34.8%, meaning that at one point the portfolio fell roughly a third from a prior peak. That level of decline is normal for a growth‑tilted stock portfolio, but it requires the emotional ability to stay invested during rough markets.

Projection Info

The Monte Carlo analysis, which runs 1,000 random “what if” paths using historical patterns, shows a wide spread of possible outcomes. Monte Carlo is like simulating many alternate universes for your portfolio based on past returns and volatility. Here, the 5th percentile finishing at 88% of starting value illustrates that a poor sequence of years could leave you with less than you began. The median path above 1,000% shows that many scenarios are very favorable. It’s important to remember that this method relies on how markets behaved before; future returns and volatility can differ, especially if today’s environment changes in ways history hasn’t captured.

Asset classes Info

  • Stocks
    100%

All of the allocation is in stocks, with 0% in bonds or cash, which is perfectly consistent with a growth‑oriented approach but also makes the ride bumpier. Having only one asset class means there’s no natural “shock absorber” when stocks fall together. In many traditional benchmark mixes, some portion sits in lower‑volatility assets to smooth out big market swings and reduce drawdowns. The flip side is that a 100% stock portfolio can compound faster over long horizons if you can handle the swings. Adjusting the stock‑only stance would mainly be about comfort with large value drops and the timing of major spending needs.

Sectors Info

  • Technology
    38%
  • Financials
    14%
  • Consumer Discretionary
    11%
  • Telecommunications
    8%
  • Industrials
    8%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Energy
    4%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, technology sits at about 38%, with financials, consumer cyclicals, communication services, and industrials making up most of the rest. That tech concentration, helped by the semiconductor ETF, is a clear tilt relative to broad benchmarks, which usually have a lower tech share. This kind of overweight can boost returns when innovation and growth are rewarded, but it also raises sensitivity to interest rates, regulation, and cyclical slowdowns. On the positive side, having nine sectors above the 2% threshold shows decent breadth. If dialing in risk, the most direct knob is the dedicated semiconductor slice, which is highly cyclical and can amplify both gains and drawdowns.

Regions Info

  • North America
    89%
  • Europe Developed
    5%
  • Asia Developed
    2%
  • Asia Emerging
    2%
  • Japan
    2%

Geographically, about 89% is in North America, with roughly 11% spread across developed and emerging international markets. That level of home‑country bias is very common for US investors and has worked out well in the last decade as US markets, especially large‑cap tech, outperformed many foreign peers. Benchmarks for global stocks often have closer to 60% US and 40% non‑US, so this portfolio is clearly US‑heavy. The upside is strong exposure to leading global companies; the downside is higher vulnerability if the US market goes through a long period of underperformance. Gradually shifting a bit more toward foreign stocks would mainly be about risk spreading rather than return chasing.

Market capitalization Info

  • Mega-cap
    41%
  • Large-cap
    32%
  • Mid-cap
    15%
  • Small-cap
    6%
  • Micro-cap
    5%

By market cap, about 73% is in mega and big companies, with smaller slices in mid, small, and micro caps. This lines up well with major equity benchmarks that are naturally dominated by large caps, while the dedicated small‑cap value ETF expands the footprint into more overlooked parts of the market. Large caps bring stability and liquidity, while small and micro caps can add both extra growth potential and extra volatility. This blend is well‑balanced and aligns closely with global standards, giving you a familiar large‑cap core with a meaningful, but not overwhelming, tilt toward smaller value names. Adjusting that tilt would mostly change the bumpiness of returns, not the basic character.

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.

On a risk‑return basis, this portfolio sits toward the higher‑return, higher‑volatility end of the Efficient Frontier that can be built using only these current funds. The Efficient Frontier is the curve of mixes that give the best possible trade‑off between risk and return, without adding new products. Because everything here is 100% stock, “efficiency” is about how each sleeve contributes to volatility and growth, not about adding safer assets. Small tweaks to the weights—especially in semiconductors and small‑cap value—could marginally improve the risk‑return ratio, but the broad picture is already coherent: a growth‑tilted portfolio accepting bigger swings in pursuit of higher expected long‑term returns.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.60%
  • VanEck Semiconductor ETF 0.30%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.23%

The overall dividend yield of about 1.23% is on the low side, which fits a growth‑oriented, equity‑heavy portfolio. Dividend yield is like a cash “paycheck” from your holdings, but many growth companies prefer to reinvest profits instead of paying them out. The international ETF and small‑cap value fund provide somewhat higher yields, while semiconductors bring very little income but more growth exposure. For someone focused on long‑term compounding rather than current cash flow, this structure is perfectly reasonable. If later the goal shifts toward income—say, approaching retirement—one natural lever would be tilting more toward higher‑yielding parts of the market without giving up diversification.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • VanEck Semiconductor ETF 0.35%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.09%

The total expense ratio (TER) of about 0.09% is impressively low, especially for a satellite‑style portfolio with specialized ETFs. TER is the annual fee charged by the funds, and keeping it minimal is like reducing friction in a machine: more of the market’s return stays in your pocket. The core large‑cap and international funds are particularly cheap, and even the more specialized funds are reasonably priced for what they offer. Over decades, saving just 0.3–0.5% per year can add up to many thousands of dollars. From a cost perspective, this setup is already in excellent shape and supports better long‑term performance compared with higher‑fee alternatives.

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