High growth US focused stock portfolio with tech concentration and strong historical outperformance
Report created on May 3, 2024Risk profile
5/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
QQ Invesco QQQ Trust
QQQ - US46090E1038 30.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 10.00%
The structure is straightforward: 100% in US-listed stock ETFs, with roughly half in a broad large‑cap index, about a third in a growth-heavy fund, and the rest split between small-cap value and dividend-focused stocks. This means all the money is in one asset class, but spread across different styles of equity exposure. That simplicity can be a strength because it’s easy to understand and maintain. The tradeoff is that there’s no cushion from bonds or cash if markets fall sharply. For someone chasing growth, this composition lines up well, but anyone wanting smoother ups and downs might usually mix in other asset types.
Growth
Historically, $1,000 grew to about $2,560, with a 15.6% compound annual growth rate (CAGR). CAGR is the “average yearly speed” of growth over time, smoothing out bumps along the way. That’s stronger than both the US market and the global market over the same period, showing solid outperformance. The maximum drawdown of about -33% was similar to the benchmarks, which means the portfolio took comparable hits in bad times while delivering better long-term gains. This balance of higher returns without worse historical drawdowns is a positive sign, though it’s crucial to remember that past results don’t guarantee similar future performance.
Asset classes
- Stocks 100%
All assets here are stocks, with zero allocation to bonds, cash, or alternatives. That creates a pure growth engine that fully rides equity cycles. Equity-only portfolios tend to grow faster over long periods but can also experience steep, sudden drops when markets sell off. Benchmarks and traditional “balanced” approaches often include some bonds for stability and diversification. Choosing to stay 100% in stocks is typically more suitable for longer horizons and higher risk tolerance. For someone who values capital preservation or has shorter-term spending plans, even a modest allocation to more defensive asset classes can help smooth the ride.
Sectors
- Technology 34%
- Consumer Discretionary 11%
- Telecommunications 11%
- Financials 10%
- Health Care 9%
- Industrials 8%
- Consumer Staples 8%
- Energy 6%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector exposure skews heavily toward technology, with meaningful exposure to consumer-related areas, financials, and health care, and smaller slices in more defensive segments like utilities and real estate. Tech-heavy allocations often shine when innovation, low rates, or strong earnings trends dominate markets, but they can be hit hard when interest rates rise or sentiment shifts away from growth stories. The presence of dividend-focused and small-cap value holdings adds some balance, but the tech weighting still stands out compared with broad market norms. Understanding this tilt helps set expectations: performance may be more sensitive to cycles in innovation, software, and semiconductor demand.
Regions
- North America 99%
- Europe Developed 1%
Geographic exposure is overwhelmingly in North America, essentially making this a US-centric equity portfolio. That’s been beneficial over the last decade, as US markets have outpaced many other regions. The flip side is greater vulnerability if the US underperforms or faces region-specific risks such as policy shocks, currency dynamics, or sector bubbles. Many global benchmarks allocate more meaningfully outside North America to capture a broader set of growth drivers. Staying so concentrated can be a clear, intentional choice, but it does reduce diversification benefits that come from owning companies driven by different economies, regulations, and consumer bases.
Market capitalization
- Mega-cap 39%
- Large-cap 35%
- Mid-cap 15%
- Small-cap 6%
- Micro-cap 5%
The mix spans the full market-cap spectrum, with a core in mega and large caps and meaningful exposure to mid, small, and even micro caps. Large and mega caps tend to be more stable and widely followed, while smaller companies can be more volatile but sometimes deliver higher growth over long stretches. This blend gives a healthy cross-section of the corporate size range. The dedicated small-cap value slice makes the portfolio more sensitive to economic cycles, credit conditions, and investor risk appetite, since smaller firms often move more dramatically in both upturns and downturns than the giants.
True holdings
-
NV NVIDIA Corporation 6.23%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
AA Apple Inc 5.54%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.19%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.09%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.60%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 2.27%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.21%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.21%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
TS Tesla Inc 2.10%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
WM Walmart Inc. Common Stock 0.98%
Part of fund(s):- Invesco QQQ Trust
- Top 10 total 31.42%
Looking through the ETFs, a lot of exposure clusters in a handful of mega-cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, and Tesla. Several of these appear in multiple ETFs, creating a hidden concentration even though everything is in diversified funds. This can magnify both gains and losses when these specific companies or related themes move sharply. Because only top‑10 ETF holdings are visible, overlap is likely higher than shown. Being aware of this helps set expectations: when big US growth names rally, the portfolio may strongly benefit, but it may also feel more painful if those leaders reverse.
Factors
Factor exposures—value, size, momentum, quality, yield, and low volatility—are all near neutral, meaning the portfolio behaves similarly to the overall market on these characteristics. Factor exposure is like checking which “traits” drive returns, such as cheapness (value) or stability (low volatility). A neutral profile suggests no big bet on any single trait, which tends to avoid the boom‑and‑bust pattern that more extreme factor tilts can experience. This well-balanced factor mix is a quiet strength: it lets the portfolio participate broadly across different market environments without depending on one specific style doing well, even though the sector and regional tilts still matter.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 47.9% -
Invesco QQQ Trust
Weight: 30.00% 33.3% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 11.1% -
Schwab U.S. Dividend Equity ETF
Weight: 10.00% 7.7%
Risk contribution shows how much each ETF adds to the overall ups and downs, which can differ from simple weights. Here, the three largest positions account for over 90% of total portfolio risk. The growth-focused fund and small-cap value slice each contribute slightly more risk than their weights, reflecting their higher volatility. The dividend ETF adds less risk than its size suggests, acting as a modest stabilizer. When a handful of positions dominate risk, returns become heavily tied to how those segments behave. Adjusting position sizes over time is one way to bring risk contributions closer to the risk profile someone actually wants.
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 portfolio sits below the efficient frontier, meaning it doesn’t yet squeeze the maximum expected return from its current risk level. The Sharpe ratio—return per unit of volatility—is 0.71, while an optimized mix of the same holdings could reach about 0.80. The minimum-variance version would lower risk but also reduce expected return. Since the gap to the frontier is modest, the current setup is still reasonably efficient. However, careful reweighting among the existing ETFs could potentially boost risk-adjusted returns without adding new products, especially by fine-tuning the balance between growth-heavy and more defensive exposures.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.40%
- Invesco QQQ Trust 0.50%
- Schwab U.S. Dividend Equity ETF 2.60%
- Vanguard S&P 500 ETF 1.20%
- Weighted yield (per year) 1.15%
The overall dividend yield is around 1.15%, with the dedicated dividend ETF offering the highest yield and the growth-heavy fund providing the lowest. This means total return is expected to rely more on price appreciation than on income. For investors mainly focused on long-term growth, a lower starting yield can be fine, especially if companies reinvest profits into expanding their businesses. Those who value regular cash flow, however, might prefer a higher blended yield or a larger income-focused slice. Dividends also tend to be more stable than prices, so a higher income tilt can modestly soften the impact of market volatility.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco QQQ Trust 0.20%
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.11%
Average costs are low, with a combined total expense ratio (TER) around 0.11%. TER is the annual fee charged by the funds, taken out of returns behind the scenes. Keeping costs this low is a real strength, because even small fee differences can compound into large dollar amounts over decades. This cost profile compares favorably with many actively managed options and aligns closely with best practices for long-term investors. With expenses already lean, there’s limited room for meaningful improvement here, and focusing on allocation and risk management will generally have a bigger impact on future outcomes than chasing tiny fee reductions.
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