Blended US heavy equity portfolio with balanced factor exposure and moderate concentration in large growth names
Report created on May 26, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 40.00% -
AV Avantis All International Markets Equity ETF
AVNM - US0250721745 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 20.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.00%
This portfolio is a straightforward four‑ETF equity mix, fully invested in stocks with no bonds or cash. Around 40% sits in a broad US large‑cap index, 20% in US small‑cap value, 20% in international equities, and 20% in a concentrated growth‑oriented US index. Structurally, this means the core is diversified across thousands of companies, but with an intentional tilt toward US markets and some extra emphasis on large technology‑driven firms. A 100% equity structure usually comes with higher ups and downs than mixes that include bonds, but also greater long‑term growth potential. Overall, this construction balances broad market exposure with a couple of targeted “spice” positions that shape risk and return.
Growth
Over the period from mid‑2023 to May 2026, a $1,000 hypothetical investment grew to about $1,791. That translates to a Compound Annual Growth Rate (CAGR) of 22.35%, slightly ahead of both the US market and global market benchmarks. CAGR is like calculating your average speed on a long road trip, smoothing out the bumps along the way. The portfolio’s worst peak‑to‑trough drop, or max drawdown, was about ‑19%, very similar to the US market’s drop. This shows the portfolio has behaved like a growth‑leaning equity mix: strong upside participation with drawdowns broadly in line with major stock benchmarks over this window.
Projection
The Monte Carlo projection looks at many possible future paths based on past return and volatility patterns. Think of it as rolling the dice 1,000 times using historical behaviour as a guide, to see a range of potential 15‑year outcomes. In these simulations, $1,000 most often ends near $2,760, with a “middle” band from roughly $1,792 to $4,212. There are also more extreme cases, from losing ground to growing several times over. The average simulated annual return is 8.17%. As always, this is not a forecast; if markets behave differently from the past, actual results can land outside any of these ranges.
Asset classes
- Stocks 100%
All of the portfolio is in equities, with no allocation to bonds, real estate funds, or cash. Asset classes are simply the big buckets like stocks, bonds, and cash that tend to behave differently in various market conditions. A 100% stock allocation usually means higher expected long‑term growth, but also sharper swings, especially during market stress. Compared with a “balanced” mix that includes bonds, this structure leans more heavily on the stock market’s fortunes. Within equities, though, the mix spans US large‑caps, US small‑caps, and international stocks, which adds diversification inside the stock bucket even if the overall portfolio is still fully equity‑driven.
Sectors
- Technology 30%
- Financials 15%
- Consumer Discretionary 12%
- Industrials 10%
- Telecommunications 9%
- Energy 7%
- Health Care 6%
- Consumer Staples 5%
- Basic Materials 4%
- Utilities 2%
- Real Estate 1%
Sector‑wise, technology is the standout at about 30% of equity exposure, followed by meaningful allocations to financials, consumer discretionary, and industrials. Smaller slices are spread across telecom, energy, health care, consumer staples, materials, utilities, and real estate. This looks somewhat more tech‑heavy than many broad global benchmarks, reflecting the combined influence of the S&P 500 and NASDAQ‑linked holdings. Sector balance matters because different parts of the economy react differently to things like interest‑rate changes or recessions. A tech‑tilt can boost returns in growth‑friendly environments but may translate into sharper pullbacks when high‑growth names fall out of favour or when rates rise quickly.
Regions
- North America 81%
- Europe Developed 8%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 2%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
Geographically, about 81% of the portfolio is in North America, with the rest spread across developed Europe, Japan, developed Asia, emerging Asia, and smaller allocations to Australasia, Latin America, and Africa/Middle East. Compared with the global stock market, which is more evenly split between the US and the rest of the world, this is clearly US‑tilted. Geography matters because company earnings are tied to different economies, currencies, and policy environments. A US focus has been rewarding in recent years, which shows up in strong recent performance, but it also means portfolio results are heavily influenced by how US markets and the US dollar behave relative to other regions.
Market capitalization
- Mega-cap 36%
- Large-cap 27%
- Mid-cap 15%
- Small-cap 12%
- Micro-cap 9%
Across company sizes, about 36% of the portfolio is in mega‑caps, 27% in large‑caps, and the rest spread across mid‑caps, small‑caps, and even a notable 9% in micro‑caps. Market capitalization (or “market cap”) is just the total value of a company’s shares; bigger companies tend to be more stable, while smaller ones often move more sharply. This mix shows a clear anchor in the largest global names, complemented by meaningful exposure further down the size spectrum via the small‑cap value and international funds. That combination can add return potential and diversification, but also introduces more volatility from the smaller, less established companies.
True holdings
-
NV NVIDIA Corporation 4.89%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.05%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.98%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.62%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.19%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.92%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.84%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.38%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 0.87%
Part of fund(s):- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 0.78%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 23.52%
Looking through the ETFs, the biggest underlying exposures cluster in a familiar group of large US growth names: NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Tesla, Meta, and Micron. Many of these appear in both the S&P 500 and NASDAQ‑based ETF, which creates overlap and concentration in a handful of companies even though they are held indirectly. For example, NVIDIA alone is close to 5% of the overall portfolio from combined fund positions. This “hidden” concentration is normal with broad US index funds today, but it does mean portfolio behaviour is meaningfully tied to how these large tech‑oriented firms perform over time.
Factors
Factor exposure is broadly neutral across all six measured dimensions: value, size, momentum, quality, yield, and low volatility all sit close to the 50% “market average” level. Factors are like underlying traits of stocks that research has linked to returns and risk patterns over decades. For example, value looks at cheapness, momentum looks at recent trends, and quality looks at balance‑sheet strength. A neutral reading means the overall portfolio doesn’t lean strongly into or away from any particular factor, despite individual holdings like small‑cap value and growth‑heavy indices. This balanced factor profile suggests the portfolio’s behaviour is likely to resemble broad equity markets rather than a specialized factor strategy.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 40.00% 37.5% -
Invesco NASDAQ 100 ETF
Weight: 20.00% 23.5% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 23.0% -
Avantis All International Markets Equity ETF
Weight: 20.00% 16.1%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from simple weights. The S&P 500 ETF is 40% of the portfolio and contributes about 37% of total risk, so it behaves roughly in line with its size. The NASDAQ 100 and US small‑cap value ETFs each have 20% weight but contribute around 23% of risk, meaning they punch slightly above their weight in volatility terms. The international ETF contributes less risk than its 20% weight. Overall, the top three positions together make up almost 84% of total risk, underscoring that the portfolio’s day‑to‑day movement is driven mainly by US stocks.
Redundant positions
-
High correlationInvesco NASDAQ 100 ETFVanguard S&P 500 ETF
The correlation data highlights that the NASDAQ 100 ETF and the S&P 500 ETF have moved almost identically in the recent period. Correlation is a score from ‑1 to +1 showing how often assets move together; +1 means they tend to rise and fall in sync. When two major holdings are highly correlated, they add less diversification benefit than their number alone might suggest. In practical terms, having both funds still broadens exposure within US large‑caps, but in big market swings they are likely to move in the same direction at similar times, reinforcing the portfolio’s sensitivity to US growth‑oriented stocks rather than offsetting it.
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‑return chart, the current portfolio sits below the efficient frontier by about 1.66 percentage points at its chosen risk level. The efficient frontier represents the best return that could historically have been achieved for each risk level using only these existing holdings but in different weightings. Sharpe ratio, which measures return per unit of risk above a risk‑free rate, is 1.14 for the current mix, versus 1.44 for both the optimal and minimum‑variance portfolios. This suggests that, historically, a different combination of the same four ETFs could have delivered either more return for similar risk or similar return with less volatility, without adding new assets.
Dividends
- Avantis All International Markets Equity ETF 2.50%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard S&P 500 ETF 1.00%
- Weighted yield (per year) 1.24%
The portfolio’s total dividend yield is about 1.24%, with the international ETF contributing the highest yield at 2.5%. Dividend yield is the annual cash payout as a percentage of investment value; it’s one way returns show up besides price changes. The US large‑cap and NASDAQ‑focused funds currently have relatively low yields, reflecting their tilt toward growth‑oriented companies that often reinvest profits rather than pay them out. This makes the portfolio more focused on capital growth than on regular income. Over time, even modest dividends can add up, especially when reinvested, but in this mix they’re a secondary driver compared to price appreciation.
Ongoing product costs
- Avantis All International Markets Equity ETF 0.31%
- 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) 0.15%
The weighted ongoing cost (TER) of the portfolio is around 0.15% per year, which is low by equity fund standards. TER, or Total Expense Ratio, is like a small annual membership fee paid to the fund manager, taken directly out of returns. The largest holding, the S&P 500 ETF, is particularly cheap at 0.03%, helping pull the overall cost down even though the other ETFs charge a bit more. Keeping fees modest is helpful because every 0.1% saved each year can compound into a meaningful amount over long periods. Here, costs are impressively low and provide a solid foundation for long‑term compounding.
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