High factor tilt growth portfolio with strong India exposure and room to boost efficiency

Report created on Jul 20, 2024

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

The portfolio is almost entirely in equities, with a tiny slice categorized as “no data,” and no explicit bonds or cash. Within stocks, the weights lean heavily toward targeted exchange-traded funds that focus on technology, momentum styles, specific industries, and India. This structure makes it a high-conviction growth-oriented setup rather than a broad, plain-vanilla market mix. That matters because concentrated themes can drive performance strongly in both directions. Someone using a structure like this is essentially choosing to accept more ups and downs in pursuit of higher long-term growth. A useful takeaway is to periodically check whether these big tilts still match personal goals, time horizon, and comfort with volatility.

Growth Info

From late 2021 to late 2025, $1,000 grew to about $1,601, giving a compound annual growth rate (CAGR) of 12.38%. CAGR is like your average speed on a long road trip, smoothing out all the bumps. This result slightly lagged the US market but beat the broader global market, which is a solid outcome given the focused style. The maximum drawdown of around -24% was similar to major benchmarks, confirming that risk has been in line with typical equity volatility rather than extreme. As always, past performance doesn’t guarantee future results, but it does show that this approach has historically traded somewhat higher growth for benchmark-like downside.

Asset classes Info

  • Stocks
    95%
  • No data
    5%

Around 95% of the portfolio sits in equities, with a small “no data” slice and effectively no bonds. That means returns are driven almost entirely by the stock market’s behavior, with little built-in cushion from traditionally steadier assets. This structure aligns with a growth mindset and a medium-to-high tolerance for swings in value. Compared with more balanced mixes that combine stocks and bonds, this setup will typically rise more in strong markets and fall more when conditions are rough. A practical implication is that anyone needing near-term withdrawals or lower volatility might consider adding stabilizing assets elsewhere in their overall finances, not necessarily only inside this account.

Sectors Info

  • Technology
    26%
  • Financials
    19%
  • Health Care
    14%
  • Industrials
    11%
  • Telecommunications
    6%
  • Consumer Discretionary
    6%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    2%
  • Consumer Staples
    2%
  • Real Estate
    2%

Sector exposure is skewed toward technology, financials, and health care, with moderate allocations to industrials and smaller slices across the remaining areas. This is more tech- and finance-heavy than broad global benchmarks, which spreads more into consumer and defensive areas. Sector concentration matters because different industries respond differently to interest rates, regulation, and economic cycles. For example, tech-heavy allocations can benefit strongly from innovation and low rates but may swing more when growth expectations change. On the positive side, health care exposure can offer some resilience during slowdowns. The mix overall leans toward sectors that historically offer higher growth potential but also higher volatility.

Regions Info

  • North America
    68%
  • Asia Emerging
    25%
  • Europe Developed
    2%
  • Japan
    1%

Geographically, the portfolio is dominated by North America, with a substantial allocation to emerging Asia, and only small slices in developed Europe and Japan. Compared with a global market-weighted mix, this setup intentionally emphasizes the US plus India and underweights other developed regions. Geographic tilts matter because regional economies, currencies, and political risks can diverge for long stretches. The strong emerging Asia stake introduces higher growth potential but also added volatility and policy risk. Positively, this isn’t a single-region bet; there is genuine cross-border diversification. Still, the global balance is clearly tilted, so it’s worth checking that this regional bias matches long-term convictions.

Market capitalization Info

  • Mega-cap
    27%
  • Large-cap
    24%
  • Mid-cap
    21%
  • Small-cap
    17%
  • Micro-cap
    5%

Market-cap exposure is nicely spread: meaningful allocations to mega and large caps, plus significant mid- and small-cap stakes and a modest micro-cap slice. This mix is more size-diversified than a typical broad index, which tends to be dominated by the largest companies. Size matters because smaller companies often have higher growth potential but more volatility and sharper drawdowns, especially in stressed markets. The current blend offers both the stability and liquidity of big names and the upside punch of smaller firms. This allocation is well-balanced and aligns closely with global standards in terms of including the full company-size spectrum while leaning a bit more toward the smaller end.

True holdings Info

  • NVIDIA Corporation
    2.42%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 ETF
    • iShares Expanded Tech Sector ETF
  • Apple Inc
    2.41%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 ETF
    • iShares Expanded Tech Sector ETF
  • Microsoft Corporation
    2.24%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 ETF
    • iShares Expanded Tech Sector ETF
  • Broadcom Inc
    1.96%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 ETF
    • iShares Expanded Tech Sector ETF
  • Reliance Industries Limited
    1.29%
    Part of fund(s):
    • Franklin FTSE India ETF
  • Alphabet Inc Class A
    1.24%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 ETF
    • iShares Expanded Tech Sector ETF
  • HDFC Bank Limited
    1.16%
    Part of fund(s):
    • Franklin FTSE India ETF
  • Meta Platforms Inc.
    1.08%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 ETF
    • iShares Expanded Tech Sector ETF
  • Alphabet Inc Class C
    0.99%
    Part of fund(s):
    • SPDR® Portfolio S&P 500 ETF
    • iShares Expanded Tech Sector ETF
  • ICICI Bank Limited
    0.89%
    Part of fund(s):
    • Franklin FTSE India ETF
  • Top 10 total 15.68%

Looking through the top ETF holdings, there is noticeable overlap in large US tech names like NVIDIA, Apple, Microsoft, Alphabet, and Meta. These companies appear across multiple funds, creating hidden concentration even though each ETF looks diversified on its own. This overlap can amplify both gains and losses when these big names move sharply. Because only top-10 positions are captured, the real overlap is likely a bit higher than shown. For investors, the practical point is to view the combined exposure to these mega caps holistically, rather than ticker by ticker, and decide whether this tech-driven concentration is intentional or needs dialing back.

Factors Info

Value
Preference for undervalued stocks
High
Data availability: 100%
Size
Exposure to smaller companies
High
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure shows high tilts toward value, size, and momentum, with neutral levels in quality and low volatility and a low yield tilt. Factors are like the underlying “personalities” of stocks that research links to long-term return patterns. A high value tilt means more exposure to cheaper-looking companies, while high size reflects more mid/small caps, and high momentum favors recent winners. This combo can do very well in risk-on markets but may feel rougher during rotations, rate shocks, or when popular trends reverse. The low yield tilt simply means income is not the focus. Overall, this is a deliberately growth-and-factor-driven profile rather than a plain market-like factor mix.

Risk contribution Info

  • iShares Expanded Tech Sector ETF
    Weight: 20.00%
    28.8%
  • Invesco S&P MidCap Momentum ETF
    Weight: 15.00%
    17.5%
  • Franklin FTSE India ETF
    Weight: 20.00%
    13.3%
  • SPDR® S&P Capital Markets ETF
    Weight: 10.00%
    12.6%
  • SPDR® Portfolio S&P 500 ETF
    Weight: 10.00%
    10.0%
  • Top 5 risk contribution 82.2%

Risk contribution highlights how much each holding drives the overall ups and downs, which can differ a lot from weight. The tech sector ETF, at 20% weight, contributes nearly 29% of total risk, meaning it dominates the risk profile. The mid-cap momentum ETF and the capital markets ETF also punch above their weights, while the India ETF contributes less risk than its 20% allocation. When a few positions account for almost 60% of total risk, the portfolio behaves largely according to them. Rebalancing or moderating the most aggressive positions could bring risk contribution more in line with intended allocations without necessarily changing the overall holdings list.

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 the risk–return chart, the current portfolio sits well below the efficient frontier, with a Sharpe ratio of 0.68 versus 1.49 for the optimal mix using the same ingredients. The efficient frontier shows the best expected return for each risk level if weights are tuned perfectly. Being 8.74 percentage points below that line at the current risk level means the holdings are fine, but the sizing is not working as hard as it could. Reweighting the existing ETFs—without adding anything new—could potentially increase expected return, reduce risk, or both. Put simply, the building blocks are strong; it’s the proportions that leave room for a much better risk-adjusted profile.

Dividends Info

  • Franklin FTSE India ETF 0.70%
  • iShares Expanded Tech Sector ETF 0.20%
  • SPDR® S&P Capital Markets ETF 1.90%
  • Simplify Exchange Traded Funds - Simplify Health Care ETF 0.60%
  • iShares MSCI India Small-Cap ETF 2.40%
  • SPDR® Portfolio S&P 500 ETF 0.80%
  • Invesco S&P MidCap Momentum ETF 0.70%
  • Invesco S&P SmallCap Momentum ETF 0.60%
  • Weighted yield (per year) 0.76%

The overall dividend yield is low, at about 0.76%, with only one fund offering a notably higher yield and several sitting around or below 1%. That tells you this portfolio is built for capital growth rather than income generation. Dividends can be important for investors relying on regular cash flow, but for growth-focused investors, reinvesting small dividends can still meaningfully add to long-term compounding. The low yield also reflects the tilt toward sectors and factors that prioritize reinvestment and expansion over payouts. Anyone needing ongoing income may want to complement this approach with separate, more yield-focused holdings instead of trying to turn this mix into an income engine.

Ongoing product costs Info

  • Franklin FTSE India ETF 0.19%
  • iShares® Gold Trust Micro 0.09%
  • iShares Expanded Tech Sector ETF 0.41%
  • SPDR® S&P Capital Markets ETF 0.35%
  • Simplify Exchange Traded Funds - Simplify Health Care ETF 0.50%
  • iShares MSCI India Small-Cap ETF 0.79%
  • SPDR® Portfolio S&P 500 ETF 0.02%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Invesco S&P SmallCap Momentum ETF 0.39%
  • Weighted costs total (per year) 0.32%

The weighted total expense ratio (TER) of about 0.32% is impressively low for a portfolio that uses several specialized and factor-based ETFs. Costs matter because they’re one of the few things under direct control, quietly reducing returns every year like a slow leak. Being close to broad index-fund pricing while holding more targeted exposures is a real positive. Over long periods, even a 0.2–0.3% cost advantage can compound into a meaningful extra amount. The costs are impressively low, supporting better long-term performance. The main cost-related consideration is just to monitor that any future additions or changes keep this fee discipline intact.

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