Growth tilted portfolio with strong US technology focus and a blend of dividends and quality factors
Report created on May 20, 2026Risk profile
5/7
Diversification profile
2/5
Positions
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XL Technology Select Sector SPDR® Fund
XLK - US81369Y8030 60.00% -
NO ProShares S&P 500 Dividend Aristocrats ETF
NOBL - US74348A4673 40.00%
This portfolio is made up of just two US-listed equity ETFs: a technology sector fund at 60% and a dividend-focused S&P 500 subset at 40%. So structurally it is simple, fully invested in stocks, and concentrated in one main growth engine plus one rules-based dividend strategy. A setup like this is easy to monitor because there are only two moving parts, but the limited number of holdings at the fund level naturally caps diversification. In practice, the technology ETF drives most of the behavior, while the dividend ETF adds a more defensive, income-oriented flavor. The overall mix lines up with a growth-style approach rather than a broad, balanced market exposure.
Growth
Over the last decade, a hypothetical $1,000 in this mix grew to about $6,442, implying a 20.55% compound annual growth rate (CAGR). CAGR is like your average speed on a long road trip, smoothing out all the bumps along the way. This clearly outpaced both the US market (15.73%) and global market (13.07%) over the same period. The portfolio’s worst drop, or max drawdown, was about -32%, similar in depth to the benchmarks but with a quicker recovery after the 2020 shock. That pattern—higher long-term growth with comparable drawdowns—shows a historically rewarding but still equity-like risk profile.
Projection
The Monte Carlo projection uses past volatility and return patterns to simulate many possible 15‑year futures for a $1,000 starting amount. It’s like running 1,000 alternate timelines based on how the portfolio has behaved historically, but shuffled in different sequences. The median scenario ends around $2,793, with a wide “likely” band from roughly $1,805 to $4,323. There are also more extreme outcomes on both sides, from near flat to very strong growth. The overall average simulated annual return of 8.26% is much lower than the historical 20%+, reflecting that the model builds in uncertainty and doesn’t assume the past decade repeats.
Asset classes
- Stocks 100%
All of this portfolio sits in a single asset class: stocks. That means there is no built‑in buffer from bonds, cash, or alternative assets, which can sometimes soften the impact of equity market swings. A 100% equity allocation often amplifies both gains and losses, because everything is exposed to the same broad driver: company earnings and stock market sentiment. Compared to a diversified multi‑asset mix, this structure offers more direct participation in equity growth but higher sensitivity to market downturns. The low diversification score in the overview reflects that everything here is essentially riding on one asset class’s behavior.
Sectors
- Technology 61%
- Consumer Staples 9%
- Industrials 8%
- Financials 5%
- Basic Materials 4%
- Health Care 4%
- Utilities 3%
- Consumer Discretionary 2%
- Real Estate 2%
- Energy 1%
- Telecommunications 1%
Sector-wise, technology dominates at around 61%, with the rest spread across staples, industrials, financials, materials, health care, utilities, and a few smaller slices. That’s a much heavier tech tilt than broad US or global benchmarks, which are more evenly spread across sectors. Tech-heavy allocations can benefit strongly when innovation, digitalization, and growth themes are leading the market, but they may feel sharper pullbacks when interest rates rise or when investors rotate into more cyclical or defensive sectors. The dividend ETF helps broaden exposure somewhat, yet the sector data shows this is still very much a technology-led portfolio.
Regions
- North America 99%
- Europe Developed 1%
Geographically, the portfolio is almost entirely concentrated in North America (about 99%), with only a token allocation to developed Europe. So effectively, this is a US‑centric equity portfolio rather than a global one. When nearly everything is tied to a single region, returns tend to mirror that region’s economic cycle, regulatory environment, and currency moves. Over the last decade, US markets have been strong, especially in technology, which has helped portfolios like this. The flip side is that if the US goes through a weaker period relative to other regions, there is little in this mix that would behave differently for geographic reasons alone.
Market capitalization
- Large-cap 34%
- Mega-cap 34%
- Mid-cap 27%
- Small-cap 5%
By market cap, the holdings skew toward larger companies: roughly two-thirds in mega‑ and large‑caps, with the remainder in mid‑ and a small slice of small‑caps. Market capitalization just means the total value of a company’s shares, and larger firms often have more diversified businesses and more stable earnings. This size profile broadly resembles mainstream market indices that are dominated by big household names. The mid‑ and small‑cap presence still adds some extra growth potential and volatility, but the bulk of risk and return is anchored in established, widely followed companies rather than in very small or niche stocks.
True holdings
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NV NVIDIA Corporation 8.84%
Part of fund(s):- Technology Select Sector SPDR® Fund
-
AA Apple Inc 7.25%
Part of fund(s):- Technology Select Sector SPDR® Fund
-
MS Microsoft Corporation 5.37%
Part of fund(s):- Technology Select Sector SPDR® Fund
-
AV Broadcom Inc 3.36%
Part of fund(s):- Technology Select Sector SPDR® Fund
-
MU Micron Technology Inc 3.05%
Part of fund(s):- Technology Select Sector SPDR® Fund
-
AM Advanced Micro Devices Inc 2.79%
Part of fund(s):- Technology Select Sector SPDR® Fund
-
IN Intel Corporation 2.16%
Part of fund(s):- Technology Select Sector SPDR® Fund
-
CS Cisco Systems Inc 1.52%
Part of fund(s):- Technology Select Sector SPDR® Fund
-
LR Lam Research Corp 1.50%
Part of fund(s):- Technology Select Sector SPDR® Fund
-
OR Oracle Corporation 1.38%
Part of fund(s):- Technology Select Sector SPDR® Fund
- Top 10 total 37.22%
Looking through to the top holdings, the biggest underlying exposures include NVIDIA, Apple, Microsoft, Broadcom, Micron, AMD, and other large tech names. Several of these appear via both ETFs, creating overlap that isn’t obvious from just the two fund tickers. This kind of “hidden concentration” matters because multiple funds can move together if they own the same companies, reducing diversification. It’s also worth noting that only ETF top‑10 positions are captured here, meaning overlap further down the holdings lists may not be fully reflected. Still, the visible data confirms a strong tilt toward a handful of leading US technology companies.
Factors
The factor lens shows a high tilt toward quality and a mild tilt away from value, with size, momentum, yield, and low volatility all roughly neutral. Factors are like the underlying “ingredients” of returns—things such as cheapness (value), stability (quality), or recent winners (momentum). A strong quality tilt usually means exposure to companies with solid balance sheets, steady earnings, and more resilient business models. That can help in choppy markets. The low value score suggests the portfolio leans more toward higher‑priced growth names rather than bargain‑priced stocks. Combined with neutral momentum and volatility, the profile looks like growth‑oriented quality rather than deep value.
Risk contribution
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Technology Select Sector SPDR® Fund
Weight: 60.00% 71.8% -
ProShares S&P 500 Dividend Aristocrats ETF
Weight: 40.00% 28.2%
Risk contribution tells you how much each holding drives the portfolio’s ups and downs, which can differ from simple weight. Here, the technology ETF is 60% of the capital but contributes nearly 72% of total risk, while the dividend ETF is 40% of capital and about 28% of risk. This makes sense because a focused tech fund tends to be more volatile than a diversified, dividend‑oriented one. In practice, the portfolio’s day‑to‑day and year‑to‑year swings will mostly be dictated by the tech slice. The dividend ETF plays a more stabilizing secondary role, even though it’s a substantial part of the dollar allocation.
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 shows the current mix sitting on or very close to the frontier, meaning that for its overall risk level, the combination of these two funds is using them efficiently. The portfolio’s Sharpe ratio—return minus the risk‑free rate divided by volatility—is 0.77, while the maximum Sharpe combination of the same holdings scores 0.99 at higher risk and higher return. The minimum‑variance mix lowers risk but also lowers return and Sharpe. This indicates the present weights already offer a solid risk‑return balance for this particular pair of ETFs, without obvious signs of being poorly constructed or wasteful.
Dividends
- ProShares S&P 500 Dividend Aristocrats ETF 1.10%
- Technology Select Sector SPDR® Fund 0.40%
- Weighted yield (per year) 0.68%
The overall dividend yield of about 0.68% is modest, especially considering that 40% of the portfolio is in a dividend‑focused ETF. The technology ETF’s low yield pulls the average down, which is common for growth‑oriented sectors where companies tend to reinvest profits instead of paying large dividends. Dividends can still be a meaningful part of total return over long periods, but in this case, the historical performance has clearly been driven more by price appreciation than by income. The presence of the dividend aristocrats fund still adds a quality and income tilt, even if the portfolio’s blended yield is relatively low.
Ongoing product costs
- ProShares S&P 500 Dividend Aristocrats ETF 0.35%
- Technology Select Sector SPDR® Fund 0.09%
- Weighted costs total (per year) 0.19%
The blended total expense ratio (TER) of about 0.19% per year is quite low, especially for a sector ETF paired with a rules‑based dividend strategy. TER is the annual fee charged by the funds, taken out of returns before they reach the investor. Over long horizons, keeping this number down helps more of the portfolio’s gross performance show up in net results. Relative to many active funds or more complex products, these costs are impressively low and align well with cost‑conscious, index‑style investing. From a structural standpoint, fees here are a strength rather than a drag on the portfolio’s long‑term compounding.
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