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Growth focused stock portfolio with strong technology tilt and historically high returns but concentrated risks

Report created on Jun 24, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is 100% in stock ETFs, with a clear growth focus and no bonds or cash in the mix. Large core positions sit in broad US indices, paired with slices of dividend, momentum, small-cap value, mid-cap momentum, and a dedicated semiconductor ETF. That blend creates a structure that leans hard into equities while still mixing different styles and company sizes. Being fully in stocks matters because it ties the portfolio’s ups and downs directly to equity markets without the stabilizing effect bonds can offer. The result is a portfolio that targets capital growth and accepts meaningful volatility along the way, with most of its behavior driven by broad US equity trends plus some added punch from more specialized growth allocations.

Growth Info

From late 2020 to mid-2026, $1,000 in this portfolio grew to about $2,950, a compound annual growth rate (CAGR) of 21.05%. CAGR is like average speed on a road trip: it smooths all the bumps into a single yearly growth number. Over this period, the portfolio beat both the US market and the global market by a wide margin. The max drawdown, a drop of -26.18%, was similar to broad markets, showing that although returns were higher, downside was not dramatically worse. It took about 15 months to fully recover from that drawdown, which is a reminder that even strong performers can have long stretches where patience is required.

Projection Info

The Monte Carlo projection uses past returns and volatility to simulate thousands of possible future paths for a $1,000 investment over 15 years. Think of it as running “what if” scenarios where markets are shuffled in many random ways based on historical patterns. The median outcome lands around $2,743, with a wide middle range between roughly $1,779 and $4,127. There are also more extreme but less likely outcomes on both the downside and upside. The average simulated return of 8.03% per year is much lower than recent history, reflecting the method’s tendency to pull expectations toward long-run norms. As always, these are just scenarios, not predictions, and real markets can behave very differently.

Asset classes Info

  • Stocks
    100%

All of the portfolio sits in stocks, so there is no built-in cushion from bonds, cash, or alternative assets. Asset classes are the broad buckets — like stocks, bonds, and real estate — that often respond differently to economic conditions. A 100% equity allocation typically offers higher long-run growth potential but can be bumpy, especially during recessions or market stress. Compared with many mixed portfolios that include bonds, this one is clearly on the growth-oriented end of the spectrum. Within equities, however, the use of broad index funds plus several style and size tilts provides diversification across many individual companies, even if everything ultimately ties back to the global stock market.

Sectors Info

  • Technology
    43%
  • Industrials
    10%
  • Financials
    8%
  • Telecommunications
    8%
  • Health Care
    8%
  • Consumer Discretionary
    7%
  • Consumer Staples
    6%
  • Energy
    5%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

Sector-wise, technology stands out at 43%, well above what’s common in broad global or US benchmarks. Other sectors like industrials, financials, telecom, health care, consumer areas, energy, and materials each hold much smaller slices, which still helps spread risk across parts of the economy. A tech-heavy profile can be powerful in periods when innovation and digital businesses lead the market, but it can also mean sharper swings when interest rates rise or sentiment toward growth stocks sours. The dedicated semiconductor ETF, plus tech exposure inside index funds, amplifies this tilt. Overall, the sector mix is diversified but clearly anchored by technology-related earnings and cycles.

Regions Info

  • North America
    88%
  • Europe Developed
    5%
  • Asia Developed
    3%
  • Japan
    2%
  • Asia Emerging
    1%
  • Latin America
    1%

Geographically, about 88% of the portfolio is in North America, with only modest exposure to developed Europe, developed Asia, Japan, and small slices of emerging markets. Global indices typically give the US a large but not this dominant share, so this portfolio leans heavily toward one region’s economy, politics, and currency. That focus has been helpful over the last decade as US markets outpaced many others, but it also ties results closely to how North America performs going forward. The international ETF does add some global breadth, yet the overall picture remains US-centric. This concentration is important context when thinking about how diversified the portfolio really is across countries.

Market capitalization Info

  • Large-cap
    40%
  • Mega-cap
    36%
  • Mid-cap
    16%
  • Small-cap
    6%
  • Micro-cap
    3%

By market capitalization, the portfolio is anchored in mega- and large-cap stocks, which together make up about three-quarters of the exposure. Mid-caps, small-caps, and a small slice of micro-caps round out the rest. Market cap is simply the total value of a company’s shares, and different size segments often behave differently: smaller companies can be more volatile but sometimes grow faster, while mega-caps tend to dominate major indices. Here, the presence of small-cap value and mid-cap momentum ETFs introduces meaningful exposure to these more dynamic areas without overwhelming the core large-cap base. This mix supports both stability from household names and extra movement from smaller, more nimble businesses.

True holdings Info

  • NVIDIA Corporation
    5.89%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • VanEck Semiconductor ETF
    • Vanguard S&P 500 ETF
  • Micron Technology Inc
    3.78%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • VanEck Semiconductor ETF
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    2.84%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • VanEck Semiconductor ETF
    • Vanguard S&P 500 ETF
  • Apple Inc
    2.83%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    2.04%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Advanced Micro Devices Inc
    2.01%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • VanEck Semiconductor ETF
  • Microsoft Corporation
    1.98%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.72%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    1.66%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Intel Corporation
    1.17%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • VanEck Semiconductor ETF
  • Top 10 total 25.91%

Looking through the ETFs’ top holdings, a handful of big names show up repeatedly, especially in technology and communication services. Companies like NVIDIA, Micron, Broadcom, Apple, Alphabet, AMD, Microsoft, Amazon, and Intel appear across multiple funds, adding up to meaningful combined weights. For example, NVIDIA alone totals nearly 6% of the portfolio based on top-10 data. Overlap matters because it can create hidden concentration: even if each ETF looks diversified on its own, the same stocks can drive a large share of overall performance. Since only top-10 positions are captured, actual overlap may be higher, but this already shows that a relatively small group of mega-cap growth and chip-related names are important drivers.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure is broadly neutral across value, size, momentum, quality, yield, and low volatility, clustering close to the 50% “market-like” mark for each. Factors are characteristics, like “cheap vs. expensive” (value) or “recent winners vs. laggards” (momentum), that research links to long-term return patterns. A neutral reading suggests the portfolio, in aggregate, behaves similarly to a broad market index on these dimensions, despite including specific dividend, momentum, and small-cap value ETFs. Those targeted funds may tilt strongly at the individual level, but they tend to offset each other once blended together with large index positions. This balanced factor profile can help avoid being overly dependent on any single return driver.

Risk contribution Info

  • Invesco NASDAQ 100 ETF
    Weight: 20.00%
    23.3%
  • Vanguard S&P 500 ETF
    Weight: 20.00%
    17.9%
  • VanEck Semiconductor ETF
    Weight: 10.00%
    17.4%
  • Invesco S&P 500® Momentum ETF
    Weight: 15.00%
    14.8%
  • Schwab U.S. Dividend Equity ETF
    Weight: 15.00%
    9.1%
  • Top 5 risk contribution 82.4%

Risk contribution shows how much each ETF adds to overall volatility, which can differ from its weight. Here, the NASDAQ 100 ETF is 20% of the portfolio but contributes about 23% of total risk, while the semiconductor ETF is just 10% of the weight yet drives over 17% of the risk. That means these growth and chip-focused positions punch above their size in terms of ups and downs. In contrast, the US dividend ETF carries 15% weight but only about 9% of risk, acting as a relative stabilizer. The top three holdings together contribute almost 59% of total risk, highlighting that a few positions are central to the portfolio’s day-to-day movements.

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, the current portfolio sits below the efficient frontier by about 2.73 percentage points at its current risk level. The efficient frontier is the curve showing the best return you could historically have achieved for each risk level using just these holdings in different weightings. The Sharpe ratio, which compares return to volatility after subtracting a risk-free rate, is 0.88 for the current mix versus 1.19 for the optimal Sharpe portfolio. That suggests there’s a combination of these same ETFs that would have delivered higher returns per unit of risk. The minimum variance mix, meanwhile, offers lower risk with a similar Sharpe, highlighting a potential tradeoff between pure growth and smoother rides.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.60%
  • Invesco NASDAQ 100 ETF 0.30%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • VanEck Semiconductor ETF 0.20%
  • Invesco S&P 500® Momentum ETF 0.50%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.60%
  • Invesco S&P MidCap Momentum ETF 0.40%
  • Weighted yield (per year) 1.23%

The overall dividend yield of the portfolio is around 1.23%, which is on the lower side for an equity portfolio. Yield is the cash income from dividends as a percentage of the portfolio’s value, separate from price movements. Most of the lower-yielding pieces are growth- and momentum-oriented funds, plus tech-heavy exposure, which typically reinvest more into business expansion rather than paying out high dividends. The Schwab US Dividend Equity ETF and the international fund are the main income contributors, with yields above the portfolio average. In practice, this setup leans more toward growth through price appreciation than steady cash payouts, with dividends providing a modest but not dominant part of total return.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • VanEck Semiconductor ETF 0.35%
  • 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%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Weighted costs total (per year) 0.13%

The weighted average total expense ratio (TER) is about 0.13%, which is impressively low for a portfolio that includes both broad index funds and more specialized strategies. TER is the annual fee charged by each ETF, expressed as a percentage of your investment. Low ongoing costs are helpful because they quietly preserve more of the portfolio’s gross return year after year. Here, the cheapest core building blocks are the large Vanguard and Schwab ETFs, while the semiconductor and mid-cap momentum funds are on the higher side but still reasonable for niche exposure. Overall, the cost structure strongly supports long-term compounding and aligns well with best practices for keeping fees under control.

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