Concentrated US growth portfolio with strong value tilt and moderate diversification across size and regions
Report created on Aug 13, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 10.00%
This portfolio is a simple four-fund, 100% equity mix with a clear US growth focus. Around three fifths sits in a broad US large-cap index, with a smaller but meaningful slice in US small-cap value. A further piece goes to international stocks, and the remainder targets US momentum names. Structurally, this is a stock-only portfolio with no bonds or cash buffers, so returns and volatility are both tied directly to global equity markets. The combination of core indexing plus targeted tilts toward value, small caps, and momentum creates a focused yet understandable setup. Overall, it balances a broad market base with a few deliberate performance “tilts.”
Growth
Historically, from late 2019 to mid-2026, a $1,000 investment in this mix grew to about $2,857, a compound annual growth rate (CAGR) of 16.54%. CAGR is the “average speed” of growth per year, smoothing out ups and downs. That’s almost identical to the US market benchmark and comfortably ahead of the global market. The worst drop, or max drawdown, was about -35%, slightly deeper than the benchmarks during early 2020. The recovery took about five months, which is relatively quick for such a sharp fall. Only 25 trading days made up 90% of total returns, showing how a small number of very strong days drove much of the outcome.
Projection
The Monte Carlo projection uses the past as a rough guide to simulate many possible 15-year paths. Think of it as running 1,000 “what if” futures based on historical volatility and returns, not as a forecast. The median result turns $1,000 into about $2,759, with a wide middle range from roughly $1,730 to $4,239. The simulated average annual return of around 8% is much lower than recent history, which is common when models include bad scenarios as well as good ones. About 71% of simulations end with a gain, meaning there is still meaningful downside risk in individual paths, even when the overall odds lean positive.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with no allocation to bonds, cash, or alternative assets. That means its ups and downs are tightly linked to equity markets, with little built-in cushioning when stocks fall. Many broad market benchmarks include a mix of equity and fixed income in some contexts, but here the comparison is purely equity-to-equity. Within stocks, the use of different fund strategies does create internal diversification across thousands of companies. However, from an asset class lens, this is intentionally concentrated: more potential for long-term growth, but also higher sensitivity to market cycles and short-term drawdowns.
Sectors
- Technology 33%
- Financials 15%
- Industrials 11%
- Consumer Discretionary 10%
- Telecommunications 8%
- Health Care 8%
- Energy 5%
- Consumer Staples 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector-wise, the portfolio leans heavily toward technology at about a third of total exposure, followed by notable weights in financials and industrials, with smaller slices across the rest. This broadly resembles modern equity benchmarks, which are also tech-heavy, but the momentum and US tilt likely amplify exposure to fast-growing, cyclically sensitive businesses. Tech-tilted portfolios can see stronger gains during innovation booms and low-rate environments, but they may be more volatile when interest rates rise or when growth expectations reset. The balanced presence of health care, consumer, and defensive sectors provides some offset, yet the overall engine remains growth-oriented.
Regions
- North America 86%
- Europe Developed 6%
- Asia Developed 3%
- Japan 2%
- Asia Emerging 2%
- Australasia 1%
- Latin America 1%
Geographically, around 86% of the portfolio sits in North America, with limited but real exposure to Europe, developed Asia, Japan, and emerging regions. Global equity benchmarks tend to have roughly 60% in the US, so this mix is more US-centric than the wider market. A strong home bias like this can benefit from US company strength and the dollar’s role, as seen in recent years, but it also ties results closely to a single economy, policy environment, and currency. The smaller non-US slice still adds some diversification, spreading risk across different political systems, growth cycles, and local consumer markets.
Market capitalization
- Mega-cap 37%
- Large-cap 30%
- Mid-cap 15%
- Small-cap 8%
- Micro-cap 8%
By market capitalization, the portfolio holds a solid base in mega- and large-caps, together making up about two thirds of exposure, along with noticeable allocations to mid, small, and even micro caps. Larger companies tend to be more established and somewhat steadier, while smaller firms can be more volatile but offer higher growth potential. The dedicated small-cap value ETF boosts the presence of smaller names more than a typical broad index. This mix means performance isn’t driven solely by the biggest global giants; smaller companies have a meaningful voice in returns and risk, especially during periods when they outperform or underperform the large-cap universe.
True holdings
-
NV NVIDIA Corporation 5.41%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc. 3.95%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.58%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.40%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.39%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 2.19%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.17%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.91%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.15%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.10%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 25.26%
Looking through the ETFs, the top underlying exposures cluster around a familiar group of large US technology and growth names such as NVIDIA, Apple, Microsoft, Alphabet, and Amazon. Several of these appear via more than one fund, which creates overlap and hidden concentration even though they’re owned indirectly. For example, Alphabet shows up in multiple share classes and vehicles, so its total footprint adds up beyond any single ETF weight. Because only ETF top-10 holdings are captured, this overlap is likely understated. In practice, this means a handful of big tech-related stocks wield substantial influence over the portfolio’s day-to-day movements.
Factors
Factor exposure shows a notable tilt toward value, while size, momentum, quality, yield, and low volatility all sit in the neutral range. Factors are traits, like “cheap vs. expensive” or “large vs. small,” that research links to long-term return patterns. A high value score suggests the portfolio leans more toward stocks trading at lower prices relative to fundamentals than the overall market. That tilt mainly comes from the small-cap value sleeve. Historically, value-tilted portfolios can behave differently from growth-heavy ones, sometimes lagging in strong momentum-driven rallies but potentially holding up better when investors rotate into more cheaply priced, cash-generating businesses.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 60.00% 59.1% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.00% 18.1% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.00% 12.7% -
Invesco S&P 500® Momentum ETF
Weight: 10.00% 10.2%
Risk contribution looks at how much each holding adds to overall portfolio volatility, which can differ from its simple weight. Here, the S&P 500 ETF is about 60% of the portfolio and contributes roughly 59% of total risk, so its impact is almost perfectly proportional. The small-cap value ETF, at 15% weight, contributes around 18% of risk, meaning it punches slightly above its size due to higher volatility. The international index contributes a bit less risk than its weight, helping diversify. Overall, the top three positions account for nearly 90% of total risk, highlighting how concentrated the portfolio’s “stress points” really are.
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, this portfolio sits below the efficient frontier, with a Sharpe ratio of 0.67 compared with 0.95 for the optimal mix using the same funds. The Sharpe ratio is a way of measuring how much return you’re getting for each unit of risk taken, after adjusting for a risk-free rate. Being about 1.3 percentage points below the frontier at its current risk level means there are alternative weight combinations of these same four ETFs that could historically have delivered better risk-adjusted returns, either through slightly higher returns, slightly lower volatility, or a combination of both, without changing the ingredient list.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.20%
- Invesco S&P 500® Momentum ETF 0.70%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.22%
The portfolio’s overall dividend yield is about 1.22%, which is modest and reflects its growth-oriented and US-heavy nature. Dividends are the cash payments companies make to shareholders, and over long periods they can be a meaningful part of total returns. Here, most of the income comes from the international index fund, which yields around 2.5%, while the US funds cluster near or below 1%. This setup suggests that most of the historical and projected return has come from price appreciation rather than income. For investors focused on reinvestment and growth, that pattern can align well with a total-return mindset.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- 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) 0.08%
The blended total expense ratio (TER) for the portfolio is about 0.08%, which is very low by industry standards. TER is the annual fee charged by funds to cover their operating costs, quietly deducted from returns. The largest holding, the S&P 500 ETF, charges just 0.03%, and even the more specialized small-cap value and momentum funds remain reasonably priced. Low costs leave more room for compounding to work over time; every fraction of a percent not paid in fees can add up over decades. This cost structure is a clear strength and aligns well with best practices in low-cost, index-based investing.
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