Growth focused US equity portfolio with strong large cap core and meaningful small cap value tilt
Report created on Apr 27, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 30.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.00%
This portfolio is a three‑fund, 100% stock mix with a clear US growth tilt. Half sits in a broad large‑cap index, 30% in a concentrated growth index, and 20% in a small‑cap value fund. Structurally, that means one core holding, one “turbo‑charged” growth satellite, and one diversifier in smaller, cheaper companies. Understanding this layout matters because it shapes how the portfolio behaves in different markets: the core tends to follow the overall US market, while the growth and small‑cap value pieces can swing more. Overall, it’s a simple, focused structure that leans into US equities rather than spreading across many asset types or regions.
Growth
Over the period from late 2020 to April 2026, $1,000 in this portfolio grew to about $2,338. That translates to a compound annual growth rate (CAGR) of 16.67%, meaning the value increased as if it had earned roughly 16.67% per year on average. This beat both the US market benchmark (15.23%) and the global market (13.13%). The worst drop from peak to trough, or max drawdown, was about -25.1%, quite similar to broad markets. So historically, the portfolio delivered stronger returns without taking on dramatically deeper declines, which is a positive alignment with growth‑oriented objectives, while still reminding that sizeable swings are part of the ride.
Projection
The Monte Carlo projection uses past return and volatility patterns to simulate many possible 15‑year paths for $1,000, like running thousands of alternate futures. The median outcome around $2,709 suggests that in half the simulations the ending value is above that level and half below. The wide spread from roughly $982 to $7,333 (5th–95th percentile) highlights how uncertain long‑term outcomes can be, even with the same starting portfolio. The average simulated annual return of about 8.04% is lower than recent history, which is a common result when models temper unusually strong past periods. These are illustrations, not predictions; real‑world returns can fall outside even the “possible” bands.
Asset classes
- Stocks 100%
All of this portfolio is invested in stocks, with no bonds, cash, or alternatives. That creates a very clear asset‑class profile: full exposure to equity market upside and downside. Being 100% in stocks is relevant because it means the portfolio’s value will typically move more than a blended mix that includes bonds, especially during market stress. The combination of broad large caps, growth heavy large caps, and small‑cap value still gives diversification within equities, but not across asset classes. In practice, the portfolio’s risk level will be driven by stock market cycles rather than interest rates or bond markets, which is consistent with its “Growth” risk classification.
Sectors
- Technology 34%
- Consumer Discretionary 13%
- Financials 11%
- Telecommunications 11%
- Industrials 8%
- Health Care 7%
- Consumer Staples 6%
- Energy 6%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector exposure is tilted toward Technology at 34%, with Consumer Discretionary at 13%, then Financials and Telecommunications at 11% each. The rest is spread across Industrials, Health Care, Consumer Staples, Energy, and smaller slices in Materials, Utilities, and Real Estate. Compared with a typical broad equity benchmark, this mix is more tech‑heavy, largely driven by the NASDAQ‑focused holding. Tech‑dominant portfolios can benefit strongly in periods of innovation and falling interest rates, but they also tend to be more sensitive when rates rise or when sentiment turns against growth companies. The presence of sectors like Financials, Energy, and Staples helps cushion, but technology clearly leads the story here.
Regions
- North America 99%
- Europe Developed 1%
Geographically, the portfolio is almost entirely in North America, with 99% exposure there and only a token 1% in developed Europe. That’s effectively a single‑region equity portfolio. This matters because regional diversification can help when one economy or market lags; here, outcomes are closely tied to the US and Canadian markets, with the US dominating. Many global benchmarks spread more significantly across Europe and Asia, so this portfolio runs a higher “home bias.” This alignment with US markets has been a tailwind in recent years, but it also means that if North American equities or the US dollar struggle, there is little built‑in offset from other regions.
Market capitalization
- Mega-cap 38%
- Large-cap 28%
- Mid-cap 13%
- Small-cap 11%
- Micro-cap 9%
By market capitalization, the portfolio blends 38% in mega‑caps and 28% in large‑caps with a meaningful 33% in mid, small, and micro‑caps combined. That’s more exposure to smaller companies than a typical US large‑cap index, due to the dedicated small‑cap value fund. Company size affects how investments behave: mega‑caps tend to be more stable and influential in major indices, while small and micro‑caps can be more volatile but also more responsive to economic recoveries. The mix here gives a strong, steady anchor in big names while still leaving room for potentially higher‑beta smaller firms, which again reinforces the growth‑oriented nature of the portfolio.
True holdings
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NV NVIDIA Corporation 6.41%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 5.50%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.13%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.30%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.56%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.39%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.19%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 2.17%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.94%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
WM Walmart Inc. 0.96%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 31.55%
Looking through the ETFs’ top holdings, several large technology and consumer names stand out: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and a large retailer. For example, NVIDIA alone accounts for about 6.41% of total portfolio exposure, while Apple is 5.50% and Microsoft 4.13%. These sizable weights come indirectly through both the S&P 500 and NASDAQ 100 funds. Because overlap analysis only uses ETF top‑10s, hidden concentration may be somewhat larger in reality. Still, it’s clear that a relatively small set of mega‑cap growth names meaningfully drives portfolio behavior, especially during times when those companies outperform or underperform the broader market.
Factors
Factor exposures across value, size, momentum, quality, yield, and low volatility are all in the “neutral” band, hovering close to 50%. Factor exposure describes how much the portfolio leans into characteristics like cheapness (value), small size, or trend following (momentum) that research links to long‑term returns. Here, the readings suggest a broadly market‑like blend despite the explicit small‑cap value slice and growth ETF. That means the different components largely offset each other, leaving no strong tilt toward or away from any single factor. This balance can help avoid the portfolio being overly dependent on one particular style being in favor.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 44.9% -
Invesco NASDAQ 100 ETF
Weight: 30.00% 34.2% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 20.8%
Risk contribution shows how much each holding adds to the overall ups and downs of the portfolio, which can differ from its simple weight. The S&P 500 ETF is 50% of assets but contributes about 44.9% of risk, slightly less than its weight, reflecting its relatively broad, diversified nature. The NASDAQ 100 ETF is 30% of the portfolio but contributes 34.2% of total risk, a higher share, which highlights its greater volatility. The small‑cap value ETF is close to proportional at 20% weight and 20.8% risk contribution. Overall, risk is fairly spread across the three funds, with a modest extra punch coming from the concentrated growth exposure.
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 suggests the current mix sits on or very near the frontier, meaning that for these three holdings, the portfolio’s balance between risk and return is already quite efficient. The Sharpe ratio, which measures return earned per unit of risk above a risk‑free rate, is 0.73 for the current portfolio. The model’s “optimal” version reaches a Sharpe of 0.92 with slightly higher risk, while the minimum‑variance mix is 0.88 with somewhat lower risk. That indicates there are theoretical weightings that could squeeze more risk‑adjusted return from the same ingredients, but the existing allocation is already operating in a solid, efficient zone.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard S&P 500 ETF 1.10%
- Weighted yield (per year) 0.96%
The portfolio’s overall dividend yield sits just under 1%, at 0.96%. The S&P 500 ETF yields around 1.10%, the small‑cap value ETF about 1.30%, and the NASDAQ 100 ETF a lower 0.50%. Dividend yield represents cash payments from companies as a percentage of the investment’s price, and it can be an important component of total return over long periods. Here, the income element is modest, reflecting the growth and tech tilt, where many companies reinvest profits rather than paying them out. Most of the portfolio’s return potential is therefore expected from price movement rather than regular cash distributions, which is consistent with its growth orientation.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.11%
Total ongoing fees for this portfolio are low at about 0.11% per year, based on the weighted average of each ETF’s Total Expense Ratio (TER). That breaks down into 0.03% for the broad S&P 500 fund, 0.15% for the NASDAQ 100 ETF, and 0.25% for the small‑cap value fund. Costs matter because they come out every year regardless of market performance, and even small differences can compound significantly over decades. In this case, the expense level is impressively low for an all‑equity, factor‑aware portfolio. That cost efficiency supports better long‑term outcomes compared with similar strategies that charge higher fees for comparable exposure.
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