Strong US focused growth portfolio with a big technology tilt and very low investment costs
Report created on Apr 25, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 70.00% -
XL Technology Select Sector SPDR® Fund
XLK - US81369Y8030 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
This portfolio is built from three broad stock ETFs, with 70% in a US large‑cap index, 20% in a dedicated technology fund, and 10% in international stocks. So it is entirely in equities and clearly growth‑oriented. Having just three positions makes the structure simple to understand and track. The US index fund acts as the core, while the tech ETF and international ETF add more targeted exposure. This kind of “core and satellite” setup is common because it keeps the main engine diversified while allowing for specific tilts. The main takeaway is that portfolio returns and risk will largely follow the US stock market, with an extra boost from one higher‑octane sector and a modest global slice.
Growth
Historically, the portfolio has turned $1,000 into about $4,729 over roughly ten years, a compound annual growth rate (CAGR) of 16.86%. CAGR is like the average yearly “speed” of growth over the whole period. That outpaced both the US market (14.87%) and the global market (12.16%), helped by the tech overweight. The worst peak‑to‑trough fall was about -33% during early 2020, similar to the benchmarks, showing that while returns were higher, downside spikes were in line with broad equities. Only 39 days made up 90% of returns, which underlines how a handful of strong days can drive long‑term performance and why staying invested through swings has historically mattered.
Projection
The Monte Carlo projection uses past volatility and returns to simulate many future paths, like rolling dice 1,000 times for this portfolio. It shows a median outcome of about $2,858 from $1,000 over 15 years, with a wide “likely” band from roughly $1,800 to $4,293. The average annualized return across simulations is 8.25%, lower than the historical 16.86%, illustrating that past strong growth is not assumed to continue at the same pace. There’s a 74.1% chance of ending with more than the starting amount. These ranges highlight uncertainty: outcomes vary a lot, especially for an all‑stock, growth‑tilted portfolio, and none of the paths are guaranteed.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with no allocation to bonds, cash, or alternative assets. Equities historically offer higher long‑term return potential but also larger swings in value, especially over shorter periods. Because there are no stabilizing asset classes here, any market downturn directly hits the full portfolio value. Compared with a multi‑asset mix that includes bonds, this structure naturally carries more volatility and depends entirely on the global equity risk premium. On the other hand, having 100% in stocks keeps the portfolio simple and fully focused on growth. The trade‑off is between potential higher long‑term returns and experiencing the full ride of stock market ups and downs.
Sectors
- Technology 45%
- Financials 11%
- Telecommunications 8%
- Consumer Discretionary 8%
- Industrials 8%
- Health Care 7%
- Consumer Staples 4%
- Energy 3%
- Basic Materials 2%
- Utilities 2%
- Real Estate 2%
Sector exposure is dominated by technology at about 45%, with financials, telecom, consumer, industrials, and healthcare making up most of the rest in smaller slices. Broad market indices are much less tech‑heavy, so this is a clear overweight to one sector. That tilt has been rewarded in recent years as many large tech names have driven global market gains. However, sector tilts also shape risk: tech tends to be more sensitive to changes in growth expectations and interest rates, so downturns in that area could move the portfolio more than a market‑neutral mix. The remaining sectors are spread fairly evenly, which still gives some diversification outside of technology.
Regions
- North America 90%
- Europe Developed 4%
- Asia Emerging 2%
- Japan 2%
- Asia Developed 1%
Geographically, about 90% of the portfolio sits in North America, with only 10% spread across developed Europe, Japan, and parts of Asia. By comparison, global equity benchmarks usually allocate closer to 60% to the US and 40% elsewhere. That means this portfolio is clearly US‑centric, and its fortunes are strongly tied to the US economy, policy, and currency. The smaller international slice still introduces different growth drivers, currencies, and political backdrops, which can sometimes move differently to the US. However, the diversification benefit is limited by the relatively small weight. When US markets perform strongly, this bias helps; when they lag the rest of the world, the portfolio will likely feel that more.
Market capitalization
- Mega-cap 46%
- Large-cap 36%
- Mid-cap 16%
- Small-cap 1%
Most of the holdings are in mega‑cap and large‑cap companies, together making up over 80% of exposure, with mid‑caps around 16% and only a token small‑cap presence. Large and mega‑caps are typically mature, widely followed firms whose share prices can still swing but often less violently than tiny companies. This cap profile is consistent with broad index funds and helps keep risk more aligned with mainstream equity benchmarks. It also means the portfolio’s behavior will be heavily influenced by the biggest global names, particularly in technology. The relatively low small‑cap exposure reduces sensitivity to more cyclical or niche parts of the market that can experience sharper booms and busts.
True holdings
-
NV NVIDIA Corporation 8.39%
Part of fund(s):- Technology Select Sector SPDR® Fund
- Vanguard S&P 500 ETF
-
AA Apple Inc 7.16%
Part of fund(s):- Technology Select Sector SPDR® Fund
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 5.42%
Part of fund(s):- Technology Select Sector SPDR® Fund
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 3.05%
Part of fund(s):- Technology Select Sector SPDR® Fund
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.55%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.09%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.68%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.57%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.31%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 1.10%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 34.32%
Looking through the top underlying holdings, several companies appear multiple times across the ETFs, leading to hidden concentration. NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet (both share classes), Meta, Tesla, and Berkshire Hathaway together represent a meaningful slice of the portfolio. Because both the S&P 500 ETF and the technology sector ETF hold many of the same names, their combined weights add up. Overlap is likely understated, since only ETF top‑10 holdings are captured. In practice, this means that when these mega‑cap growth companies move, the portfolio’s overall performance responds strongly, even though individually none of them is held directly as a single stock position.
Factors
Factor exposures are mostly in the “neutral” band across value, momentum, quality, yield, and low volatility, meaning the portfolio behaves broadly like the market on these dimensions. Factor exposure is about how much a portfolio leans into traits like cheapness (value) or price trends (momentum) that research links to returns. Size is mildly low, consistent with the dominance of mega‑cap and large‑cap stocks; this implies less exposure to smaller companies, which historically can be more volatile but sometimes offer different return patterns. Overall, the factor profile is well‑balanced and aligns closely with global standards, so performance is likely to be driven more by market direction and tech/US tilts than by specialized factor bets.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 70.00% 67.1% -
Technology Select Sector SPDR® Fund
Weight: 20.00% 25.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 7.9%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weight. Here, the S&P 500 ETF is 70% of the portfolio and contributes about 67% of total volatility, so its risk impact is roughly in line with its size. The technology ETF, at 20% weight, contributes almost 25% of risk, meaning it is somewhat more volatile than its share suggests. The international ETF contributes slightly less risk than its 10% weight. Together, the three positions account for essentially all portfolio risk, and there is no single holding that wildly dominates. Still, the tech sleeve clearly amplifies overall variability relative to a plain S&P 500 core.
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 vs. return chart shows the current portfolio sitting on or very close to the efficient frontier, which represents the best possible return for each risk level using these three holdings. The Sharpe ratio, a simple measure of return per unit of risk above a risk‑free rate, is 0.69 for the current mix. The optimal portfolio on the frontier reaches a Sharpe of 0.95, but at higher volatility and return, while the minimum‑variance mix has lower risk and a slightly lower Sharpe of 0.66. Because the current allocation lies near the frontier, the existing weights are already making efficient use of these ETFs for the chosen risk level.
Dividends
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Technology Select Sector SPDR® Fund 0.50%
- Weighted yield (per year) 1.15%
The portfolio’s overall dividend yield is about 1.15%, with the international ETF yielding more (2.8%) and the tech ETF less (0.5%). Dividend yield is the annual cash payout as a percentage of price, like rent from owning a property. Here, the focus is clearly on growth over income, especially given the technology tilt and US bias. Dividends still contribute a small but steady part of total return, especially when reinvested, but most of the portfolio’s historical gains and future potential are likely to come from price changes rather than cash distributions. This profile is consistent with many growth‑oriented, large‑cap equity portfolios.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Technology Select Sector SPDR® Fund 0.09%
- Weighted costs total (per year) 0.04%
Costs are a notable strength. The total expense ratio (TER) for the whole portfolio is about 0.04% per year, which is extremely low by industry standards. TER is the annual fee charged by funds as a percentage of assets, and even small differences compound over long periods. Here, the low cost base means that more of the underlying market return is kept by the investor rather than paid away in fees. This aligns well with best practices for long‑term index investing. Over decades, the combination of broad market exposure and very low fees is a powerful structural advantage, regardless of short‑term market moves.
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