High growth US focused portfolio with strong technology tilt and concentrated semiconductor exposure
Report created on Jun 18, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 40.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 40.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 20.00%
This portfolio is made up of three equity ETFs: a NASDAQ 100 tracker and an S&P 500 tracker at 40% each, plus a 20% satellite in a semiconductor ETF. So it blends a broad US large-cap core with a heavy tilt toward growth and chips. With only three holdings and all in stocks, the structure is simple but concentrated in one asset type and one country. This kind of setup is easy to monitor, since changes mostly come from market moves rather than trading. The trade-off is that diversification across different asset types and regions is deliberately limited, so the overall ride depends heavily on how US large-cap growth and semiconductors behave.
Growth
Over the period from late 2020 to mid 2026, $1,000 in this portfolio grew to about $3,293. That works out to a compound annual growth rate (CAGR) of 23.5%, meaning the value increased on average 23.5% a year over the whole stretch, like an average speed on a long road trip. This clearly outpaced both the US market (15.76%) and global equities (13.65%). The flip side of this strong return was a deeper max drawdown of -33.26%, compared with around -24% to -26% for the benchmarks, and it took over a year to recover. The performance history shows high growth paired with meaningfully larger ups and downs.
Projection
The Monte Carlo projection uses the past risk and return pattern to simulate 1,000 different 15‑year paths for $1,000 invested. Monte Carlo is basically a “what if” machine that repeatedly shuffles returns based on historical volatility to see a wide range of possibilities. In these simulations, the median ending value is about $2,693, with most outcomes (the middle 50%) between roughly $1,850 and $4,237. There are more positive than negative results, and the average simulated annual return is 8.21%. Still, the wide possible range from about $1,034 to $8,031 underlines that future results can differ a lot from history, especially for a growth‑heavy portfolio.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no bonds, cash-like instruments, or alternative assets in the mix. That makes it a pure equity portfolio, which typically means higher expected long-term growth but also sharper swings from year to year. Compared with portfolios that blend in bonds or other diversifiers, this one leans fully into equity market risk. The diversification score of 2/5 reflects that asset class concentration. In calm or rising markets, an all-stock allocation can ride the upside strongly, but in broad market sell-offs there is no built-in cushion from lower-risk assets, so the entire portfolio tends to move with equity conditions.
Sectors
- Technology 58%
- Telecommunications 10%
- Consumer Discretionary 8%
- Health Care 5%
- Financials 5%
- Consumer Staples 5%
- Industrials 4%
- Energy 2%
- Utilities 1%
- Basic Materials 1%
- Real Estate 1%
Sector-wise, technology dominates at 58%, with the rest spread across areas like telecommunications, consumer discretionary, health care, financials, and smaller slices of other sectors. This is a much heavier tech tilt than typical broad market indices, and the dedicated semiconductor ETF further amplifies that focus on a single high-growth, cyclical industry. Tech-heavy portfolios often benefit during periods of innovation, strong earnings growth, or falling interest rates, but they can be hit harder when rates rise, regulation tightens, or sentiment turns against growth names. The presence of several smaller sector weights does help somewhat, but the stand-out trait here is clear tech concentration.
Regions
- North America 96%
- Asia Developed 2%
- Europe Developed 1%
Geographically, about 96% of the portfolio is in North America, with very small allocations to developed Asia and Europe. Compared with global equity benchmarks, which spread more across many regions, this is a strong home bias toward the US market. That has helped in recent years because US large-cap growth has led performance globally. However, it also ties the portfolio’s fortunes closely to one economy, one policy environment, and largely one currency. If other regions outperform or if the US experiences a period of relative weakness, a US‑heavy mix like this captures little of that diversification benefit simply because non-US exposure is so minimal.
Market capitalization
- Mega-cap 50%
- Large-cap 36%
- Mid-cap 13%
By market capitalization, half of the portfolio sits in mega-cap stocks, with another 36% in large caps and only about 13% in mid caps. That means most of the exposure is to the very largest, most established companies. These giants often have deep resources and global footprints, which can give them resilience and strong competitive positions. At the same time, such a tilt can make performance more tied to a handful of big names that dominate major indices. The relatively modest mid-cap portion adds a bit more growth and idiosyncratic company risk, but overall this is a classic large‑ and mega‑cap oriented equity profile.
True holdings
-
NV NVIDIA Corporation 9.45%
Part of fund(s):- Invesco NASDAQ 100 ETF
- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 5.66%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 4.21%
Part of fund(s):- Invesco NASDAQ 100 ETF
- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.95%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 3.78%
Part of fund(s):- Invesco NASDAQ 100 ETF
- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.32%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Advanced Micro Devices Inc 2.86%
Part of fund(s):- Invesco NASDAQ 100 ETF
- VanEck Semiconductor ETF
-
GO Alphabet Inc Class A 2.73%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.35%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 2.06%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 40.37%
Looking through the ETFs’ top holdings, a lot of the risk concentrates in a small group of big technology and consumer names. Nvidia alone adds about 9.45% total exposure, with Apple, Micron, Microsoft, Broadcom, Amazon, AMD, Alphabet (both share classes), and Tesla also showing up prominently. Several of these stocks appear in more than one ETF, which creates “hidden” overlap even though the portfolio only holds three funds. Because this analysis only covers ETF top-10 lists, the true overlap is likely a bit higher. In practice, this means the portfolio’s behavior will heavily track how this cluster of large US tech-related companies performs.
Factors
Factor exposure shows mild tilts rather than extreme bets. Value, at 29%, is categorized as low, meaning the portfolio leans somewhat away from cheaper, more value-oriented stocks and more toward growth-type names. Yield is also low at 38%, and low volatility sits at 35%, so there’s less emphasis on high-dividend or smoother, lower-variance stocks. Size, momentum, and quality are all around neutral, roughly in line with the broader market. In simple terms, the portfolio is positioned more for growth and price appreciation than for income or stability, which lines up with its tech and semiconductor focus and the strong returns—but also the bigger drawdowns—seen historically.
Risk contribution
-
Invesco NASDAQ 100 ETF
Weight: 40.00% 40.4% -
VanEck Semiconductor ETF
Weight: 20.00% 30.4% -
Vanguard S&P 500 ETF
Weight: 40.00% 29.3%
Risk contribution looks at how much each ETF adds to total portfolio volatility, which can differ from its simple weight—like one loud instrument dominating an orchestra. The NASDAQ 100 ETF is 40% of the portfolio and contributes about 40.38% of total risk, so it’s roughly proportional. The semiconductor ETF is 20% by weight but adds around 30.37% of risk, making it the most “intense” position with a risk/weight ratio of 1.52. The S&P 500 ETF, also at 40%, contributes only 29.25% of risk. This shows that the semiconductor slice, though smaller, is a key driver of overall ups and downs due to its higher volatility.
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 vs. return chart, the current portfolio sits below the efficient frontier by about 2.03 percentage points at its risk level. The efficient frontier shows the best expected return you could have for each level of risk using just these three ETFs in different mixes. The Sharpe ratio—a measure of return per unit of risk above the risk-free rate—is 0.83 for the current allocation, compared with 1.11 for the optimal mix and 0.91 for the minimum variance mix. That means, historically, there are combinations of the same holdings that would have delivered better risk-adjusted performance without adding any new products.
Dividends
- Invesco NASDAQ 100 ETF 0.40%
- VanEck Semiconductor ETF 0.20%
- Vanguard S&P 500 ETF 1.00%
- Weighted yield (per year) 0.60%
The portfolio’s overall dividend yield is around 0.60%, which is modest compared with many broad equity benchmarks. The S&P 500 ETF is the main income contributor at about 1.00%, while the NASDAQ 100 and semiconductor funds yield 0.40% and 0.20%, respectively. Dividends are the cash payments companies distribute from profits, and over the long run they can be a meaningful part of total return. Here, most of the portfolio’s historical growth came from price appreciation rather than income. That lines up with its growth and tech tilt: these types of companies often reinvest earnings into expansion instead of paying out high dividends.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- VanEck Semiconductor ETF 0.35%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.14%
The weighted ongoing cost, or total expense ratio (TER), comes to about 0.14% per year. TER is the annual fee taken by each ETF to cover management and operating expenses, quietly deducted inside the fund. For context, this is a low overall cost, especially given the specialized semiconductor ETF in the mix at 0.35%. The broad S&P 500 ETF is particularly cheap at 0.03%, helping pull the average down. Low costs are helpful because they leave more of the portfolio’s gross return in your pocket each year, and that difference compounds over time. Here, costs are a clear strength and support long-term performance.
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