Growth focused equity portfolio with balanced factors and modest diversification beyond the US core
Report created on Apr 11, 2026Risk 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.
Positions
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VO Vanguard S&P 500 ETF
VOO - US9229083632 40.91% -
QQ Invesco QQQ Trust
QQQ - US46090E1038 18.18% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 18.18% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 9.09% -
CA Caterpillar Inc
CAT - US1491231015 9.09% -
BO Global X Robotics & Artificial Intelligence ETF
BOTZ - US37954Y7159 4.55%
This portfolio is a pure equity mix built around broad US exposure, tech-heavy growth, and a few targeted tilts. Roughly 41% sits in a broad US index, 18% in a tech-leaning growth fund, another 18% in total international stocks, and about 18% across small-cap value and a single industrial stock. A smaller slice targets robotics and AI. This structure leans clearly toward growth, with some diversifiers layered on top. That’s relevant because 100% stock portfolios can experience sharp swings, but also offer strong long-term return potential. The overall takeaway: the core is solid and diversified, with a few concentrated “spice” positions that increase both upside potential and risk.
Growth
Historically, $1,000 invested grew to about $2,952, delivering a compound annual growth rate (CAGR) of 18.07%. CAGR is like average speed on a long road trip, smoothing out bumps to show overall pace. Over this period, the portfolio beat both the US market (15.22% CAGR) and global market (12.92% CAGR) by a meaningful margin, while having a similar maximum drawdown around -34%. That means the downside shock in early 2020 was comparable to the benchmarks, but the upside capture since then was stronger. It’s a positive sign, but past performance is no guarantee; markets can rotate, and leadership can change.
Projection
The Monte Carlo projection runs 1,000 simulations using historical return and volatility patterns to estimate possible 15‑year outcomes. Think of it as re‑rolling the last few years of market behavior many times, with randomness, to see a range of futures. The median outcome grows $1,000 to around $2,557, with a typical “middle band” between about $1,729 and $3,961. There’s also a wide outer band ranging from roughly $908 to $7,958, showing how uncertain long‑term equity investing can be. An average simulated annual return of 7.91% is solid, but it’s not a promise; it just frames what might be reasonable to expect over the long haul.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. That all‑equity stance is a classic growth‑investor setup: higher expected long‑term return, but more severe drawdowns and bigger year‑to‑year swings. Compared with more balanced allocations that mix in bonds, this approach will typically fall further in market crashes and recover more dramatically in strong bull markets. For someone with a long time horizon and the ability to ride out volatility, this is a coherent strategy. For shorter timeframes or lower risk tolerance, adding some defensive assets could smooth the ride, but would likely trim long‑run return potential.
Sectors
- Technology 28%
- Industrials 20%
- Financials 11%
- Consumer Discretionary 10%
- Telecommunications 9%
- Health Care 7%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 1%
Sector-wise, the portfolio has a visible tilt toward technology at 28%, with meaningful exposure to industrials (20%) and a spread across financials, consumer, telecom, and health care. This mix is fairly balanced overall, but tech plus the dedicated robotics/AI ETF increase sensitivity to innovation and growth cycles. Tech-heavy portfolios often shine during periods of low interest rates and strong earnings growth, but can be more volatile when rates rise or sentiment shifts away from growth. The healthy industrial allocation and broad sector coverage are positives, helping offset some concentration. Overall, the sector composition is reasonably diversified and compares well with broad market norms.
Regions
- North America 79%
- Europe Developed 8%
- Japan 4%
- Asia Emerging 4%
- Asia Developed 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 79% of the portfolio is in North America, with the rest spread across developed Europe, Japan, other developed Asia, and emerging markets. This US‑centric pattern is common and, over the last decade, has been rewarded because US stocks outperformed much of the world. However, it does mean the portfolio’s fate is highly tied to one economy, currency, and policy environment. The remaining 21% abroad offers helpful diversification and aligns with adding some global breadth, though it’s still well below a truly global market weight. As a result, returns will likely track the US cycle more closely than the global average.
Market capitalization
- Mega-cap 47%
- Large-cap 28%
- Mid-cap 13%
- Small-cap 6%
- Micro-cap 4%
In terms of company size, the portfolio leans heavily to mega‑cap and large‑cap stocks (about 75% combined), with modest exposure to mid‑cap, small‑cap, and micro‑cap names. Large and mega‑caps tend to be more stable and more researched, which often means smoother returns but fewer “home run” surprises. The Avantis small-cap value ETF and some micro/small exposure add a bit of higher‑risk, potentially higher‑return flavor, especially during periods when smaller, cheaper companies come back into favor. This blend is a strength: it keeps the core anchored in established businesses while still leaving some room for size‑related return drivers that differ from the mega‑cap growth story.
True holdings
-
-
NV NVIDIA Corporation 4.94%
Part of fund(s):- Global X Robotics & Artificial Intelligence ETF
- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.10%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.04%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.25%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.90%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.60%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.60%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.60%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.43%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 31.55%
Looking through the ETFs, the biggest underlying exposures are well-known large US names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Broadcom, and Tesla. These appear across multiple funds, especially the S&P 500 and QQQ, which creates hidden concentration even if no single fund looks extreme on its own. Caterpillar is a separate direct holding, not duplicated via ETFs, so its 9% stake is very “pure” exposure. Overlap data is partial because only ETF top-10 holdings are used, so true concentration is likely higher. The main implication: portfolio results will be heavily tied to the fortunes of these mega-cap US growth leaders.
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.
Factor exposure is broadly neutral across value, size, momentum, quality, yield, and low volatility, all sitting around the market-like 40–60% band. Factor investing is about leaning into specific traits—like cheapness (value) or recent winners (momentum)—that research links to returns. Here, no strong tilt jumps out, meaning the portfolio behaves much like a broad market basket in terms of these underlying “ingredients.” That’s actually a positive sign: it suggests the portfolio isn’t unintentionally overexposed to one factor that could boom or bust in a particular regime. Any extra risk or return will mainly come from asset mix and concentration, not hidden factor bets.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 40.91% 39.1% -
Invesco QQQ Trust
Weight: 18.18% 19.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 18.18% 14.9% -
Avantis® U.S. Small Cap Value ETF
Weight: 9.09% 10.6% -
Caterpillar Inc
Weight: 9.09% 10.3% - Top 5 risk contribution 94.4%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weight. The S&P 500 ETF is 40.9% of the portfolio and contributes about 39% of risk—pretty aligned. QQQ at 18.2% weight contributes slightly more risk at 19.7%, reflecting its growth/tech tilt. The small‑cap value ETF and Caterpillar each contribute around 10% of risk from 9% weights, also a bit elevated. Interestingly, the international fund’s risk share (14.9%) is lower than its weight (18.2%), suggesting it’s a helpful diversifier. Top three holdings driving 74% of risk is reasonable for a concentrated, six-position equity portfolio.
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 below the efficient frontier by about 2.53 percentage points at its risk level. The efficient frontier shows the best expected return you could get for each risk level using only your existing holdings but in different weightings. Sharpe ratio, which measures return per unit of risk, is 0.68 for the current mix versus 1.12 for the optimal Sharpe portfolio and 0.63 for the minimum‑risk version. That means there’s room to improve the risk/return tradeoff simply by reweighting these same funds and stocks. The current setup is decent but not yet squeezing the most out of what’s already in place.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Global X Robotics & Artificial Intelligence ETF 0.70%
- Caterpillar Inc 0.80%
- Invesco QQQ Trust 0.50%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.27%
The total dividend yield of about 1.27% is modest, reflecting a growth‑oriented lineup with tech and smaller companies. Dividend yield measures how much cash you receive yearly as a percentage of your investment value, like “rent” on your capital. The international fund offers the highest yield at 2.8%, while QQQ and the AI ETF are especially low, which is typical for growth names that reinvest earnings. For investors focused more on compounding and capital gains than on income, this is perfectly consistent. Those seeking meaningful cash flow would generally need a higher‑yield mix, but that often means giving up some growth potential.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Global X Robotics & Artificial Intelligence ETF 0.68%
- Invesco QQQ Trust 0.20%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.11%
The portfolio’s weighted total expense ratio (TER) is about 0.11%, which is impressively low. TER is the annual fee charged by funds, taken out of returns behind the scenes, like a quiet membership fee. The Vanguard ETFs are extremely cheap, and even the higher‑cost robotics/AI and small‑cap value funds are small portions of the total. Keeping costs this low is a big structural advantage: every 0.1% saved compounds over decades, boosting your ending wealth without taking extra risk. From a cost standpoint, this setup is very strong and already aligned with best practices for long‑term investing.
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