Growth tilted US focused equity portfolio with strong large cap exposure and efficient risk return balance
Report created on May 12, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
VU Vanguard Growth Index Fund ETF Shares
VUG - US9229087369 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
This portfolio is a simple four‑ETF, all‑stock mix with a clear tilt toward the US and growth. About 60% sits in a broad US large‑cap index, 20% adds extra growth exposure, 10% targets US small‑cap value, and 10% goes to international stocks. That structure means most of the behavior comes from big US companies, with smaller influences from small caps and overseas markets. A concentrated line‑up like this is easy to understand and monitor. It also makes it clearer which parts of the market are actually driving returns. The overall setup matches a growth‑oriented risk profile while still including a couple of diversifying sleeves outside mainstream US large‑cap growth.
Growth
From late 2019 to May 2026, $1,000 in this portfolio grew to about $2,762, a compound annual growth rate (CAGR) of 16.63%. CAGR is like your “average speed” over the whole trip, smoothing out bumps along the way. Over this period the portfolio slightly beat the US market benchmark and more clearly outpaced the global benchmark. The worst peak‑to‑trough loss, or max drawdown, was about –34.6% during early 2020, similar to the benchmarks and recovered within a few months. That shows the portfolio participated fully in both the downturn and the rebound. As always, past performance just describes what happened; it doesn’t guarantee anything about future returns.
Projection
The Monte Carlo projection looks forward 15 years by simulating many possible return paths using historical patterns. Think of it as running 1,000 alternate futures based on how similar portfolios have behaved before. The median outcome turns $1,000 into about $2,829, with a wide “middle band” from roughly $1,911 to $4,342. In more extreme but still plausible scenarios, results range from about $969 to $8,114. An average simulated annual return of 8.34% is much lower than recent history, which is a conservative assumption. These ranges highlight that even with the same starting portfolio, results can vary a lot, especially for an all‑equity, growth‑oriented mix.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. Equities generally offer higher long‑term growth potential but can swing much more in the short term, especially in sharp market sell‑offs. Having 100% in stocks means the portfolio is fully exposed to that ride, without the stabilizing effect bonds or cash can sometimes provide. This matches its “growth” risk classification and helps explain both the strong recent returns and the sizable drawdown in 2020. The diversification score being only moderate comes from being diversified within equities, but not across different asset classes that behave differently in stressed markets.
Sectors
- Technology 33%
- Financials 13%
- Consumer Discretionary 11%
- Telecommunications 10%
- Industrials 9%
- Health Care 8%
- Energy 5%
- Consumer Staples 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is tilted toward Technology at about a third of the portfolio, with Financials, Consumer Discretionary, and Telecommunications making up much of the rest. This kind of tech‑heavy mix has been common in broad equity indices recently and is aligned with major benchmarks, which also lean heavily into technology‑related businesses. That alignment is helpful because it means sector risk is not wildly out of step with the broader market. At the same time, tech‑driven portfolios can be more sensitive to interest rate moves and shifts in growth expectations. Smaller weights in areas like Utilities and Real Estate reduce exposure to more defensive, traditionally steadier sectors.
Regions
- North America 90%
- Europe Developed 4%
- Japan 2%
- Asia Emerging 1%
- Asia Developed 1%
Geographically, the portfolio is strongly US‑centric, with about 90% in North America and only around 10% spread across Europe, Japan, and other regions. Global equity benchmarks typically have a lower US share, so this mix has a clear home bias toward the US market. That bias has helped over the last decade, since US stocks outperformed many other regions. It also means that economic, political, and currency developments in the US will dominate portfolio behavior. The international slice does add some global diversification, but it is relatively small, so non‑US markets have limited influence on overall returns and risk.
Market capitalization
- Mega-cap 46%
- Large-cap 28%
- Mid-cap 15%
- Small-cap 6%
- Micro-cap 5%
By market cap, the portfolio leans heavily into mega‑ and large‑cap companies, which together account for nearly three‑quarters of the exposure. Mid‑caps, small‑caps, and micro‑caps fill out the rest, largely through the small‑cap value ETF. Bigger companies often have more diversified businesses and more stable access to capital markets, which can smooth out some company‑specific risk. Smaller companies, on the other hand, can move more sharply in both directions and react differently across economic cycles. This blend keeps the core in established giants while still leaving some room for the potentially higher volatility and differentiated behavior of smaller firms, which can help diversification within the equity slice itself.
True holdings
-
NV NVIDIA Corporation 7.21%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc 6.46%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.77%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.10%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.90%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.45%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.32%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 2.17%
Part of fund(s):- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.82%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Growth Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 0.94%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 34.14%
Looking through the ETFs’ top holdings, a handful of mega‑cap names dominate the visible exposure: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire Hathaway stand out. Because these companies appear across multiple ETFs, the same stock can influence the portfolio several times over, creating “hidden” concentration. For example, NVIDIA and Apple together account for over 13% of the portfolio in the covered slice. Overlap is probably larger than reported because only top‑10 ETF holdings are included. This kind of concentration is common in US‑heavy index portfolios and helps explain why big headline companies tend to drive much of the overall ups and downs.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral, clustering near the 50% “market‑like” mark. Factors are like underlying traits—such as cheap vs. expensive (value) or steady vs. jumpy (low volatility)—that research links to long‑term performance. A neutral profile means this portfolio behaves similarly to the broad market rather than strongly tilting toward any particular style. That can be helpful because performance is less dependent on one factor being in favor. The small‑cap value slice doesn’t overpower the rest of the holdings, so its style impact is largely diluted by the large US growth and broad‑market exposures.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 60.00% 58.3% -
Vanguard Growth Index Fund ETF Shares
Weight: 20.00% 22.4% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 11.3% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 8.0%
Risk contribution shows how much each position drives the portfolio’s total volatility, which can differ from its weight. Here, the S&P 500 ETF is 60% of the portfolio and contributes about 58% of the risk, very much in line with its size. The growth ETF and the small‑cap value ETF both contribute slightly more risk than their weights, which fits their more volatile nature. The international ETF contributes a bit less risk than its 10% weight, offering some mild diversification. Overall, the top three holdings drive about 92% of total risk, making this essentially a three‑engine portfolio with international stocks as a smaller stabilizing component.
Redundant positions
-
High correlationVanguard Growth Index Fund ETF SharesVanguard S&P 500 ETF
The S&P 500 ETF and the US growth ETF move almost identically, reflecting their shared focus on large US growth‑oriented companies. Correlation measures how often investments move together, with highly correlated assets rising and falling in similar patterns. When two pieces are this tightly linked, they don’t add much diversification, even if they are technically different funds. In this portfolio, that means there is a strong single‑theme core centered on US large‑cap growth. The small‑cap value and international funds are likely to behave somewhat differently, but their smaller weights limit how much they can offset swings in the highly correlated core positions during big market moves.
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 suggests the current mix is already on or very close to the optimal trade‑off between risk and return, given these four holdings. The Sharpe ratio—return minus cash return divided by volatility—is 0.66 for the current portfolio. That’s slightly below the max‑Sharpe mix at 0.82 and near the minimum‑variance mix at 0.68, but the differences are modest. Being near the frontier means that, within this set of ETFs, the portfolio is using its risk quite efficiently. Any improvement would come from relatively small tweaks to weights rather than needing additional holdings, which is a positive sign for the overall design.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Growth Index Fund ETF Shares 0.40%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.08%
The portfolio’s overall dividend yield sits around 1.08%, reflecting its growth‑oriented and US‑heavy nature. Yield is the income paid out as dividends relative to price, and it can be an important part of total return over long periods. Here, the main US growth holding has a low yield, while the international fund and the small‑cap value ETF provide somewhat higher payouts. This structure means most return historically has come from price appreciation rather than income. For someone tracking cash flows, it’s useful to know that dividend contributions are relatively modest, and reinvested dividends won’t be as large a driver as in a high‑yield or more income‑focused portfolio.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Growth Index Fund ETF Shares 0.04%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.06%
The total expense ratio (TER) across the portfolio averages about 0.06%, which is impressively low. TER is the annual fee charged by a fund, taken out of returns behind the scenes, a bit like a small maintenance cost. Keeping this figure low helps more of the gross return actually reach the investor, and the impact compounds over time. The slightly higher fee of 0.25% on the small‑cap value ETF is offset by very low costs on the Vanguard funds. Overall, this cost structure aligns very well with best practices for index‑heavy portfolios and provides a strong foundation for long‑term, cost‑efficient compounding.
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