Highly concentrated aggressive equity portfolio with standout chip exposure and very short performance history
Report created on May 30, 2026Risk profile
6/7
Diversification profile
3/5
Positions
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SW Schwab S&P 500 Index Fund
SWPPX - US8085098551 48.18% -
IN Intel Corporation
INTC - US4581401001 12.10% -
SW SCHWAB INTERNATIONAL INDEX FUND SELECT SHARES
SWISX - US8085098304 11.48% -
DR Roundhill Memory ETF
DRAM 9.47% -
SF SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPANY INDEX FUND INSTITUTIONAL SHARES
SFENX - US8085093438 5.84% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 5.15% -
AS Ast Spacemobile Inc
ASTS - US00217D1000 4.04% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 3.74%
This portfolio is a pure equity mix with eight holdings and a clear core–satellite structure. Almost half sits in a broad S&P 500 index fund, giving wide US large‑cap exposure. Around a quarter is in international and emerging markets index funds, adding non‑US diversification. The rest is in more concentrated satellite bets: a focused memory‑chip ETF, a small‑cap value ETF, a US dividend ETF, plus two single stocks, Intel and AST SpaceMobile. This blend means one big diversified core is surrounded by smaller, higher‑risk positions. With everything in stocks and no bonds or cash, the overall setup is built for growth and volatility rather than stability or income, especially over short timeframes.
Growth
Over roughly two months, $1,000 in this portfolio hypothetically grew to about $1,389, implying a huge annualized return and outperformance versus both US and global market proxies. However, Compound Annual Growth Rate (CAGR) over such a tiny window is like measuring your speed from one traffic light to the next: it can look extreme but tells little about a long trip. The portfolio’s maximum drawdown of about -5% was noticeably deeper than the benchmarks’ small dips, already hinting at higher volatility. Because the whole history is only about two months, these numbers mainly show that the aggressive positions had a very strong short burst, not that this pace is sustainable.
Projection
The Monte Carlo projection uses that short, strong recent history to simulate many possible 15‑year paths for a $1,000 investment. Monte Carlo is basically a “what if” machine: it takes past ups and downs, scrambles them in thousands of different sequences, and shows a range of potential future outcomes. Here, the median outcome ends near $2,709, with a wide spread from under $1,000 to almost $7,800. Because the input data covers only about two months, the simulations may be leaning too heavily on an unusually strong period. That makes the projected 8% annualized return and wide ranges more of a rough illustration than a dependable long‑term forecast.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternative assets. From an educational standpoint, asset classes are the broad “food groups” of investing — stocks for growth, bonds for income and stability, cash for safety, and so on. Being 100% in equities typically means higher expected long‑term returns but also sharper swings along the way, especially in market downturns. Because the analysis window is very short, the full downside potential has not really been tested yet. Compared with many diversified mixes that include bonds, this all‑equity profile naturally aligns with the “aggressive” risk label and helps explain both the strong recent gains and the more noticeable drawdowns.
Sectors
- Technology 45%
- Financials 12%
- Industrials 8%
- Health Care 7%
- Telecommunications 6%
- Consumer Discretionary 6%
- Energy 5%
- Consumer Staples 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 1%
- Consumer Discretionary 1%
Sector‑wise, there is a heavy tilt toward technology at about 45% of equity exposure, with the rest spread across financials, industrials, healthcare, telecom, consumer areas, energy, and others. This is much more tech‑concentrated than broad global indices, reflecting the dedicated memory‑chip ETF plus Intel and other chip names in the look‑through holdings. Sector concentration matters because different parts of the economy respond differently to interest rates, regulation, and business cycles. Tech‑heavy portfolios can do very well when innovation themes and growth expectations dominate, but they can also be more sensitive to rate hikes or downturns that hit earnings expectations. The current strong short‑term performance lines up with that tech and semiconductor emphasis.
Regions
- North America 75%
- Asia Developed 8%
- Europe Developed 7%
- Japan 4%
- Asia Emerging 3%
- Latin America 1%
- Australasia 1%
- Africa/Middle East 1%
Geographically, about three‑quarters of the portfolio is in North America, with the rest spread across developed Asia, Europe, Japan, emerging Asia, Latin America, Australasia, and Africa/Middle East. That means there is a clear home bias toward the US, but still meaningful international diversification through the Schwab international and emerging markets funds. Geography matters because different regions have different economic cycles, currencies, and policy environments. Compared with a fully global market allocation, this mix is more US‑tilted but not US‑only, which can help reduce region‑specific risk somewhat. Over just two months, regional differences barely show up, yet over longer horizons they can be an important driver of return differences and volatility.
Market capitalization
- Mega-cap 49%
- Large-cap 31%
- Mid-cap 11%
- Small-cap 3%
- Micro-cap 2%
By market cap, this portfolio leans toward mega‑ and large‑cap stocks, which together make up about 80% of exposure. Mid‑caps add another 11%, while small‑ and micro‑caps provide a thinner slice of around 5%. Market capitalization measures a company’s size, and size affects stability and growth potential: larger firms tend to be more established, while smaller ones can be more volatile but sometimes faster‑growing. This structure roughly resembles broad market indices but with an extra dash of smaller companies via the small‑cap value ETF and AST SpaceMobile. That modest small‑cap presence can add both diversification and extra bumpiness, though the short performance history doesn’t yet reveal how those differences play out in varying market conditions.
True holdings
-
-
-
00 SK Hynix Inc 2.46%
Part of fund(s):- Roundhill Memory ETF
-
SS Samsung Electronics Co Ltd 1.74%
Part of fund(s):- Roundhill Memory ETF
-
FG First American Funds Inc. - Government Obligations Fund 1.13%
Part of fund(s):- Roundhill Memory ETF
-
KI Kioxia Holdings Corporation 0.64%
Part of fund(s):- Roundhill Memory ETF
-
MU Micron Technology Inc 0.50%
Part of fund(s):- Roundhill Memory ETF
-
SN Sandisk Corp 0.49%
Part of fund(s):- Roundhill Memory ETF
-
ST Seagate Technology PLC 0.41%
Part of fund(s):- Roundhill Memory ETF
-
WD Western Digital Corporation 0.38%
Part of fund(s):- Roundhill Memory ETF
- Top 10 total 23.90%
Looking through the funds’ top holdings, Intel and AST SpaceMobile appear only as direct single‑stock positions, not via ETFs, so their full weights are exactly 12.1% and 4.0%. The Roundhill Memory ETF adds concentrated exposure to several semiconductor names like SK Hynix, Samsung, Kioxia, Micron, Seagate, Western Digital, and Sandisk. These individual chip holdings are small on their own but cluster around the same industry theme. Look‑through coverage is limited — only about a quarter of the portfolio is captured via ETF top‑10s — so overlap is likely understated. Still, it’s clear that a substantial slice of the portfolio effectively rides on the fortunes of the memory and storage segment of the tech world.
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.
On factor exposure, this portfolio is close to neutral on value but shows very low exposure to size and quality. Factors are like underlying “character traits” of stocks — such as cheap vs. expensive (value), big vs. small (size), or strong vs. weak balance sheets (quality) — that research links to returns over time. Very low size exposure here actually means a strong tilt away from small size, i.e., toward larger companies overall, despite the small‑cap ETF. Very low quality exposure suggests a tilt away from highly profitable, stable firms and toward names with more variable fundamentals, especially in the satellite positions. In choppy or stress‑filled markets, lower‑quality tilts can translate into more pronounced swings, though the brief history doesn’t show a full cycle.
Risk contribution
-
Intel Corporation
Weight: 12.10% 38.0% -
Roundhill Memory ETF
Weight: 9.47% 24.4% -
Schwab S&P 500 Index Fund
Weight: 48.18% 17.5% -
Ast Spacemobile Inc
Weight: 4.04% 8.7% -
SCHWAB INTERNATIONAL INDEX FUND SELECT SHARES
Weight: 11.48% 6.7% - Top 5 risk contribution 95.3%
Risk contribution highlights how much each holding drives the portfolio’s overall ups and downs, which can differ a lot from simple weight. Intel is 12.1% of the portfolio but contributes about 38% of total risk, more than triple its size, while the memory ETF is under 10% of assets yet around 24% of risk. Together with the S&P 500 core fund, the top three holdings contribute almost 80% of total volatility. This shows that risk is highly concentrated in a few positions, especially Intel and the focused chip ETF. The broad S&P fund, despite being almost half the assets, contributes relatively modest risk, acting more like a stabilizing base under the more volatile satellite holdings.
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 efficient frontier analysis compares the current mix with hypothetical blends of these same holdings that could improve risk/return balance. The current portfolio sits noticeably below the frontier, with a Sharpe ratio — a measure of return per unit of volatility — lower than the maximum achievable using just these assets. In simple terms, the chart suggests that, based on this short history, different weightings of the same eight positions might achieve similar or better returns with less volatility. The “optimal” and minimum‑variance portfolios both show lower risk and still robust returns in the model. Because all inputs are based on only about two months of data, these optimization insights should be viewed as early signals rather than firm conclusions.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Schwab U.S. Dividend Equity ETF 3.20%
- SCHWAB INTERNATIONAL INDEX FUND SELECT SHARES 3.20%
- Schwab S&P 500 Index Fund 1.00%
- Weighted yield (per year) 1.04%
The overall dividend yield of the portfolio is around 1.04%, which is on the low side for an equity‑only mix. Dividends are the cash payouts companies make to shareholders and can be an important part of total return, especially over long periods when they are reinvested. Here, yield mainly comes from the international index fund and the US dividend ETF, each around 3.2%, plus a smaller contribution from the small‑cap value ETF. The big S&P 500 core fund yields roughly 1%, reflecting its broad large‑cap coverage. This setup emphasizes capital growth and sector themes more than current income. Given the short observation period, we don’t yet see a full pattern of how dividends interact with price changes across different market conditions.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Dividend Equity ETF 0.06%
- SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPANY INDEX FUND INSTITUTIONAL SHARES 0.39%
- SCHWAB INTERNATIONAL INDEX FUND SELECT SHARES 0.06%
- Schwab S&P 500 Index Fund 0.02%
- Weighted costs total (per year) 0.05%
Costs are a notable strength. The weighted total expense ratio (TER) is about 0.05%, which is very low even by index‑fund standards. TER is the annual percentage fee taken by funds to cover management and operating expenses, and it quietly reduces returns over time. Keeping this number low helps more of any future growth stay in the portfolio rather than being lost to fees, especially over many years of compounding. The priciest piece, the emerging markets fundamental fund at 0.39%, is still moderate, while the core S&P 500 fund charges just 0.02%. With such low overall costs, any future performance will be driven mostly by market behavior and allocation choices, not by fee drag.
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