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Tech tilted US heavy equity portfolio with strong recent returns and balanced factor exposures

Report created on Jun 29, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is a 100% equity mix using six broad ETFs, with no bonds or cash included. Roughly three-quarters is in US-focused funds, split between a core S&P 500 fund, a growthy NASDAQ 100 sleeve, a dividend ETF, and a momentum ETF. The remaining quarter brings in international equities and US small-cap value. Structurally, this is a fairly concentrated all-stock portfolio with most of the risk and return driven by large US companies. Being fully in stocks means bigger swings day to day, but also more growth potential over long periods compared with mixes that include bonds. The variety of fund styles helps spread risk across different investment approaches.

Growth Info

From late 2020 to mid‑2026, $1,000 in this portfolio grew to about $2,402, implying a compound annual growth rate (CAGR) of 16.67%. CAGR is like your “average yearly speed” over the whole trip, smoothing out bumps along the way. Over the same period, the US market returned 15.47% and the global market 13.54%, so this mix has outpaced both. The maximum drawdown, or worst peak-to-trough drop, was about ‑24%, similar to the benchmarks. That shows you are taking equity-like downside risk, but with somewhat better upside captured. As always, past performance doesn’t guarantee future results, especially given this period’s strong tech-driven gains.

Projection Info

The forward projection uses Monte Carlo simulation, which basically replays many random “what if” return paths based on historical patterns. Here, 1,000 simulations of the next 15 years suggest a median outcome of around $2,799 from $1,000 invested, with a wide typical range of about $1,816 to $4,230. The very broad band from about $989 to $8,078 shows how uncertain long-term equity outcomes can be. The average simulated annual return of 8.13% is more modest than the recent 16%+ CAGR, reflecting that the model does not assume unusually good conditions continue forever. Simulations are just statistical tools, not forecasts; reality can land outside even the 5th–95th percentile band.

Asset classes Info

  • Stocks
    100%

All of this portfolio sits in one asset class: stocks. There is no exposure to bonds, cash, or alternative assets like real estate funds or commodities. Asset class mix is important because different groups behave differently in stress; for example, high‑quality bonds often hold up when stocks fall. Being 100% equity means the portfolio is fully tied to stock market behavior, amplifying both growth potential and drawdowns. Compared with a “balanced” mix that includes fixed income, this structure should be expected to have larger ups and downs. On the positive side, within equities you do have exposure to large, mid, and small companies across multiple regions, so diversification exists inside the stock bucket even though everything is still equity.

Sectors Info

  • Technology
    35%
  • Financials
    11%
  • Industrials
    9%
  • Consumer Discretionary
    9%
  • Telecommunications
    9%
  • Health Care
    8%
  • Consumer Staples
    7%
  • Energy
    6%
  • Basic Materials
    3%
  • Utilities
    1%
  • Real Estate
    1%

Sector-wise, the portfolio is clearly tilted toward technology at around 35%, with financials, industrials, consumer discretionary, and telecom each in the high single digits. Health care, staples, energy, materials, utilities, and real estate round out smaller slices. Compared with broad global benchmarks, this tech share is on the higher side, helped by the NASDAQ 100 and momentum components. Tech-heavy portfolios can benefit strongly when innovation-driven companies lead the market, but they also tend to be more sensitive during periods of rising interest rates or when growth stocks fall out of favor. The nice part here is that non-tech sectors are still meaningfully represented, so the portfolio is not a pure single-sector bet.

Regions Info

  • North America
    86%
  • Europe Developed
    6%
  • Asia Developed
    2%
  • Japan
    2%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Latin America
    1%
  • Africa/Middle East
    1%

Geographically, about 86% of the portfolio is in North America, with smaller slices spread across Europe, developed and emerging Asia, Japan, Australasia, Latin America, and Africa/Middle East. This is a clear US-heavy profile, more concentrated than global market-weighted indexes, where the US is significant but not this dominant. A strong US tilt has been rewarded over the last decade as US equities, especially large tech names, have outperformed many other regions. However, it also means most of the portfolio’s fortunes are tied to one economy and one currency. The international ETF does provide global diversification, but international exposure is still meaningfully lower than in a fully global allocation.

Market capitalization Info

  • Large-cap
    39%
  • Mega-cap
    35%
  • Mid-cap
    14%
  • Small-cap
    6%
  • Micro-cap
    5%

By market capitalization, the portfolio leans strongly toward mega‑cap and large‑cap stocks, which together make up about 74%. Mid‑caps, small‑caps, and micro‑caps account for the remaining quarter, with the small-cap value ETF doing a lot of the work in the smaller-company space. Market cap mix matters because large firms tend to be more stable and widely researched, while smaller companies can be more volatile but may have different growth or value characteristics. This blend is broadly in line with many mainstream equity portfolios that anchor on large caps and add a modest small-cap tilt. That modest slice in smaller stocks introduces an extra source of diversification without dominating overall risk.

True holdings Info

  • NVIDIA Corporation
    4.83%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Apple Inc.
    3.18%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Micron Technology Inc
    3.08%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    2.39%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    2.23%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    2.21%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    1.86%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.85%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Advanced Micro Devices Inc
    1.31%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
  • Tesla Inc
    1.12%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Top 10 total 24.07%

Looking through the ETFs’ top holdings, several big names repeat across funds. NVIDIA, Apple, Microsoft, Alphabet, Amazon, and other large tech-related firms appear multiple times, creating “hidden” concentration even though you only hold ETFs. For example, NVIDIA alone adds up to about 4.8% of the portfolio from overlapping positions. Because only top‑10 ETF holdings are included, actual overlap is likely understated. Overlap matters because it means more of the portfolio’s behavior is tied to the fortunes of a small group of mega‑cap companies than the ETF list might suggest. The benefit is strong participation in leading names; the trade‑off is that bad news in these firms could ripple through several holdings at once.

Factors Info

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

Factor exposure across value, size, momentum, quality, yield, and low volatility is very close to neutral, meaning it broadly resembles the overall market rather than targeting any specific style. Factor investing tries to lean into persistent characteristics, like cheap stocks (value) or steady ones (low volatility), that research has linked to returns over time. Here, no factor stands out as a strong tilt toward or away, despite having explicit momentum and dividend funds. That suggests the combination of funds and their weightings has ended up balancing styles out. In practice, this means the portfolio’s behavior is likely driven more by its sector and geographic tilts than by specialized factor bets.

Risk contribution Info

  • Invesco NASDAQ 100 ETF
    Weight: 20.00%
    24.9%
  • Vanguard S&P 500 ETF
    Weight: 25.00%
    24.6%
  • Invesco S&P 500® Momentum ETF
    Weight: 15.00%
    16.0%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 15.00%
    12.6%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    11.3%
  • Top 5 risk contribution 89.4%

Risk contribution shows how much each position adds to overall ups and downs, which can differ from its simple weight. The NASDAQ 100 ETF is 20% of the portfolio but contributes nearly 25% of the risk, reflecting its higher volatility and concentrated growth exposure. The S&P 500 ETF is 25% of assets and about 25% of risk, so it’s more proportional. The small‑cap value and momentum ETFs each contribute slightly more risk than their weights too. Notably, the top three holdings together drive about two‑thirds of total portfolio risk, even though they’re 60% by weight. That’s typical for concentrated, equity-only mixes, but it’s helpful context when thinking about what actually moves results.

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 has a Sharpe ratio of 0.78, measuring return per unit of risk above the risk‑free rate. The efficient frontier shows combinations of these same holdings that would deliver the best expected return for each level of volatility. Here, the current mix sits about 2.36 percentage points below the frontier at its risk level, while the optimal portfolio has a Sharpe of 1.1 and the minimum variance mix sits at 0.88. That means, using only these ETFs, different weights could historically have offered either higher risk‑adjusted returns or lower risk for a similar expected return. The existing allocation is decent but not fully efficient by this particular metric.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.20%
  • Invesco NASDAQ 100 ETF 0.40%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.60%
  • Weighted yield (per year) 1.46%

The portfolio’s overall dividend yield is about 1.46%, a little below many broad equity indexes. Yield is the annual cash payout as a percentage of current value, like interest from a savings account but not fixed. The Schwab dividend ETF and the international fund provide the highest yields, while the NASDAQ 100 and momentum fund are lower, reflecting their growth focus. Dividends can be important for investors who value a steady income stream, and reinvested dividends have historically been a meaningful part of long-term equity returns. This mix leans more toward capital growth than income, though it still generates some ongoing cash flow from holdings with higher payout policies.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.10%

The portfolio’s weighted average Total Expense Ratio (TER) is around 0.10%, which is impressively low. TER is the annual fee charged by funds, taken directly out of returns, similar to a small ongoing service charge. Most holdings are low‑cost index or factor ETFs, with the highest individual fee at 0.25% for the small-cap value fund and several core funds below 0.10%. Keeping costs low is one area strongly aligned with best practices, because fees compound over time just like returns. Even a fraction of a percent difference can add up over decades. Here, costs are clearly a strength: they leave more of the portfolio’s gross performance in your pocket rather than going to fund providers.

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