Concentrated US growth portfolio with heavy technology focus and moderate diversification across income and global stocks
Report created on May 9, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 60.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 17.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 15.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 8.00%
This portfolio is built entirely from four broad equity ETFs, which keeps the structure simple and transparent. Around 60% sits in a total US market core fund, with another 17% in a dedicated technology fund, 15% in a US dividend equity fund, and 8% in international stocks. So the backbone is broad US exposure, layered with a tech tilt and an income sleeve, plus a small global allocation. Structurally, this creates a clear growth orientation while still using diversified funds rather than single stocks. The simplicity makes it easier to track and understand, and it also means that most of the risk and return will be driven by the US equity market and especially its largest growth companies.
Growth
From 2016 to 2026, a hypothetical $1,000 in this portfolio grew to about $4,766, a compound annual growth rate (CAGR) of 16.96%. CAGR is like average speed on a road trip: it smooths out all the bumps into one yearly growth figure. Over this period, the portfolio beat both the US market (15.40% CAGR) and the global market (12.78% CAGR). The worst peak‑to‑trough drop was about -33%, similar to the benchmarks, and it recovered in roughly four months. That pattern shows strong upside participation with comparable downside during major shocks. As always, this outperformance is historical and doesn’t guarantee the same edge in the future.
Projection
The forward projection uses a Monte Carlo simulation, which basically means the system runs 1,000 alternate “what if” histories using past returns and volatility as a guide. For a $1,000 investment over 15 years, the median scenario ends around $2,731, with a likely middle range between roughly $1,800 and $4,050. There’s about a 74% chance of finishing with more than you started, and the average simulated annual return is around 8%. These ranges highlight uncertainty: outcomes vary a lot, from roughly flat to several times the starting value. Monte Carlo relies on historical patterns, so it can’t foresee structural changes in markets, but it’s useful for seeing the spread of possible results rather than a single forecast.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% allocated to bonds, cash, or alternative assets. That 100% equity stance lines up with a growth‑oriented risk profile and explains the higher risk score of 5/7. Equities historically offer higher long‑term returns than bonds, but they also come with larger drawdowns, like the -33% drop seen in 2020. Having no stabilizing asset class means the portfolio will closely track equity market ups and downs. The diversification score of 3/5 reflects that, within stocks, you are moderately spread out through broad index funds, but across asset classes the mix is intentionally concentrated, so shocks to global equities will be felt directly.
Sectors
- Technology 41%
- Financials 11%
- Health Care 9%
- Telecommunications 8%
- Consumer Discretionary 8%
- Industrials 8%
- Consumer Staples 6%
- Energy 5%
- Utilities 2%
- Basic Materials 2%
- Real Estate 1%
The sector breakdown shows a strong tilt toward technology at 41%, with smaller but meaningful allocations to financials, health care, telecom, consumer‑related areas, and industrials. Compared with many broad equity benchmarks, that tech share is noticeably higher, largely driven by the dedicated technology ETF and the tech weight inside the S&P 500 fund. Tech‑heavy portfolios can grow quickly when innovation and growth stocks are in favor, as they have often been in the last decade. On the flip side, they can be more sensitive to interest rate moves, regulatory changes, or shifts away from growth themes. The other sectors help diversify, but tech clearly sets a big part of the tone here.
Regions
- North America 92%
- Europe Developed 3%
- Japan 1%
- Asia Emerging 1%
- Asia Developed 1%
Geographically, roughly 92% of the portfolio is in North America, with only small slices in developed Europe, Japan, and emerging and developed Asia. Compared to a global equity index, which typically has a much larger non‑US share, this is a pronounced home bias toward the US. A US focus has historically been rewarded over the last decade, which matches the strong past returns. The trade‑off is that economic, political, or market shocks specific to the US weigh heavily on the whole portfolio. The 8% allocated to international stocks does introduce some currency and regional diversification, but global returns will still be dominated by US performance.
Market capitalization
- Mega-cap 40%
- Large-cap 39%
- Mid-cap 18%
- Small-cap 3%
- Micro-cap 1%
By market capitalization, the portfolio leans heavily into mega‑ and large‑cap companies, which together make up about 79% of exposure. Mid‑caps add another 18%, with only small positions in small‑ and micro‑caps. Large and mega‑cap stocks tend to be more established businesses with deeper liquidity and more analyst coverage, which often results in somewhat more stable behavior than very small companies. This size profile helps explain why the portfolio’s risk looks similar to broad benchmarks: you’re not taking on big additional small‑cap volatility. At the same time, it means less exposure to the more extreme growth or risk that can come from very small, early‑stage firms.
True holdings
-
NV NVIDIA Corporation 7.70%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc 6.69%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.69%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.32%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.18%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.79%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.44%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.34%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.12%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 0.94%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 30.22%
Looking through the ETFs’ top holdings, a handful of big names account for a meaningful slice of total exposure: NVIDIA is about 7.7%, Apple roughly 6.7%, and Microsoft close to 4.7%, with other large US growth names following. These companies appear in multiple ETFs, which creates “hidden” overlap even though you only hold four funds. For example, NVIDIA and Apple are significant in both the S&P 500 and the tech ETF. Because only top‑10 positions are shown, actual overlap is likely higher. This setup concentrates a lot of the portfolio’s fate in the largest US growth stocks, which helps explain the strong historic performance but also tightens the link to how that group behaves going forward.
Factors
Factor exposures across value, size, momentum, quality, yield, and low volatility all sit in the neutral band around 50%. Factor exposure is like looking at the underlying “personality traits” of the portfolio—things like cheap vs. expensive, fast‑rising vs. lagging, stable vs. volatile. Here, the profile is close to market‑like on all six, with a mild lean toward quality, yield, and low volatility but not enough to call them strong tilts. This well‑balanced factor mix means performance is likely to resemble broad market behavior rather than being driven by a pronounced bias toward one style, such as deep value or high momentum. It’s a straightforward, benchmark‑like factor footprint.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 60.00% 59.6% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 17.00% 21.7% -
Schwab U.S. Dividend Equity ETF
Weight: 15.00% 12.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 8.00% 6.6%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Your core S&P 500 ETF is 60% of the portfolio and contributes about 59.6% of total risk—almost one‑for‑one. The tech ETF, at 17% weight, contributes around 21.7% of the risk, so each dollar there adds more volatility than a dollar in the core fund. The dividend and international ETFs contribute less risk than their weights. Altogether, the top three holdings drive over 93% of portfolio risk, which lines up with the concentration in US equities and especially large US growth names. Position sizing and volatility are clearly aligned here.
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 risk‑return chart shows your current portfolio with a Sharpe ratio of 0.71, an expected return of 16.77%, and volatility around 18.1%. The Sharpe ratio measures return per unit of risk, after accounting for a risk‑free rate, like cash. The optimal portfolio using only these same ETFs, just with different weights, has a noticeably higher Sharpe (0.99), higher return, and somewhat higher risk, while the minimum variance mix has slightly lower risk and similar Sharpe to your current setup. Your portfolio sits about 1 percentage point below the efficient frontier at its risk level, meaning that, historically, a different combination of these four funds could have delivered better risk‑adjusted returns without adding new products.
Dividends
- Schwab U.S. Dividend Equity ETF 3.30%
- Vanguard Information Technology Index Fund ETF Shares 0.30%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.42%
The overall portfolio yield is about 1.42%, combining a 3.3% yield from the dividend ETF with lower yields from the S&P 500, international, and especially the tech fund at 0.3%. Dividend yield is the annual cash payout as a percentage of price, and it can be a meaningful part of total return, especially when reinvested. Here, income plays a supporting role rather than being the main driver of performance. The dedicated dividend ETF boosts cash flow and adds some balance to the lower‑yielding growth and tech exposures. In practice, most of the portfolio’s long‑term return is still likely to come from price appreciation rather than dividends alone.
Ongoing product costs
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
The portfolio’s costs are impressively low. The total ongoing fee (TER) comes in around 0.05%, with individual ETFs ranging from 0.03% to 0.10%. TER is the annual fee charged by the funds, similar to a small membership fee that’s automatically taken out each year. Low costs matter because they’re one of the few things investors can know in advance, and they compound over time. Paying 0.05% instead of something like 0.5% or 1% leaves more of the portfolio’s return in your pocket each year. From a cost perspective, this portfolio is very close to best‑in‑class for broad index‑based exposure, which is a real structural strength.
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