Growth tilted US heavy equity portfolio with strong tech and semiconductor exposure and low costs

Report created on Apr 9, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

This portfolio is a pure equity mix built entirely from broad and growth‑tilted stock ETFs. The core is a 40% position in a total US stock fund, flanked by three growth / tech‑leaning US ETFs totaling 45%, plus 15% in a total international fund. So it leans heavily toward US growth and technology while still keeping a global anchor. A 100% stock allocation fits a growth profile but also means bigger swings along the way. For someone wanting long‑term capital growth and willing to stomach volatility, this structure makes sense; for anyone needing stability or near‑term withdrawals, the all‑equity setup would feel pretty bumpy.

Growth Info

Over the 2020–2026 period, $1,000 grew to about $2,129, giving a compound annual growth rate (CAGR) of 14.87%. CAGR is the “average speed” of growth per year, smoothing out ups and downs. This beat both the US market and global market by 1.10 and 3.00 percentage points per year, which is meaningful over time. The tradeoff has been a max drawdown of -32%, deeper than either benchmark. That’s the kind of drop where you need real discipline not to bail out. The key takeaway: the portfolio has been rewarded for taking extra risk, but it demanded patience through a fairly sharp downturn.

Projection Info

The forward projection uses a Monte Carlo simulation, which basically takes past return and volatility patterns, scrambles them thousands of different ways, and shows a range of possible futures. For $1,000 over 15 years, the median outcome is about $2,712, with a 74% chance of finishing positive, but a wide spread from roughly $938 to $6,905 in the central scenarios. That spread is the price of growth‑oriented risk. It’s important to remember that this is based on historical behavior; markets don’t follow scripts, and future returns could be better or worse. The useful takeaway: expect a bumpy ride and a wide range of plausible end values.

Asset classes Info

  • Stocks
    100%

All of your money here is in stocks, with 0% in bonds, cash, or alternatives. That’s a classic growth‑oriented setup focused on long‑term appreciation rather than income or capital preservation. A 100% equity allocation historically has higher expected returns than mixed stock‑bond portfolios, but drawdowns are also sharper and more frequent. Relative to a blended benchmark that includes bonds, this is clearly more aggressive. This kind of mix is well‑suited to investors with long horizons and stable income from outside the portfolio, but it’s generally not ideal for very short‑term goals or people who lose sleep during deep market sell‑offs.

Sectors Info

  • Technology
    44%
  • Telecommunications
    9%
  • Financials
    9%
  • Consumer Discretionary
    9%
  • Industrials
    8%
  • Health Care
    7%
  • Consumer Staples
    4%
  • Basic Materials
    3%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    2%

Sector exposure is clearly tilted toward technology at 44%, with the next largest buckets—telecom, financials, consumer discretionary, and industrials—each much smaller. This tech emphasis lines up with the NASDAQ, growth, and semiconductor funds driving the portfolio. Tech‑heavy portfolios often benefit strongly during innovation booms and periods of falling or stable interest rates, but they can be hit hard when rates rise, regulation tightens, or sentiment rotates toward more defensive areas. The diversification across the remaining sectors is reasonably balanced against typical broad‑market mixes, which is a plus; still, the main story here is that tech trends will heavily influence overall performance.

Regions Info

  • North America
    84%
  • Europe Developed
    7%
  • Asia Developed
    3%
  • Asia Emerging
    2%
  • Japan
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, the portfolio is dominated by North America at 84%, with developed Europe a distant second at 7%, and the rest spread in small amounts across other regions. That’s more US‑centric than a standard global equity benchmark, where the US is big but not this dominant. This US focus has helped in recent years because American large‑cap growth has outperformed much of the world, but it also ties your fortunes closely to a single economy and currency. If non‑US markets go through a strong cycle, this kind of regional tilt could lag. The international slice still adds some diversification, but it’s very much a supporting role.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    34%
  • Mid-cap
    17%
  • Small-cap
    3%
  • Micro-cap
    1%

Market cap exposure is skewed toward mega‑ and large‑cap stocks, which together make up 78% of the portfolio. Mid‑caps have a meaningful 17% share, while small‑ and micro‑caps are only a minor piece. This is broadly aligned with common cap‑weighted benchmarks, which is good for diversification and liquidity. Large companies tend to be more stable and easier to trade, though they may not have the same explosive growth potential as some smaller firms. The modest allocation to smaller companies adds a bit of extra growth and diversification without dramatically increasing risk, so this structure offers a sensible balance across company sizes.

True holdings Info

  • NVIDIA Corporation
    6.77%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Semiconductor ETF
  • Apple Inc
    5.05%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    3.72%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    3.19%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • iShares Semiconductor ETF
  • Amazon.com Inc
    2.75%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    2.33%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.92%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    1.89%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    1.75%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Micron Technology Inc
    1.10%
    Part of fund(s):
    • iShares Semiconductor ETF
  • Top 10 total 30.46%

Looking through the ETFs, a big chunk of risk is tied to a tight group of mega‑cap growth names. NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet, Meta, Tesla, and Micron together account for a noticeable slice of the total exposure even though they appear only via funds. Overlap across the growth, NASDAQ, and semiconductor ETFs means the same companies show up multiple times, creating hidden concentration. Because we only see ETF top‑10 holdings, actual overlap is likely higher. This kind of clustering can turbocharge returns when those giants do well but can also make the portfolio more vulnerable if sentiment turns against big US growth stocks.

Factors Info

Value
Preference for undervalued stocks
Low
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 looks quite balanced overall. Most factors—size, momentum, quality, yield, and low volatility—sit near neutral, meaning the portfolio behaves broadly like the overall market on these dimensions. The one clear tilt is away from value, at 37%, which fits the growth‑ and tech‑oriented design. Factor investing is about leaning into characteristics like value or momentum that research suggests drive returns; here, there’s a mild preference for growth over value. This can do very well when growth is in favor, but if markets rotate toward cheaper, slower‑growing companies, relative performance could lag. On the positive side, the absence of extreme factor bets keeps the overall profile relatively balanced.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 40.00%
    33.6%
  • iShares Semiconductor ETF
    Weight: 15.00%
    24.3%
  • Invesco NASDAQ 100 ETF
    Weight: 15.00%
    16.2%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 15.00%
    16.1%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 15.00%
    9.8%

Risk contribution shows how much each ETF drives overall volatility, which can differ from simple weights. The total US market ETF is 40% of the portfolio but only about 34% of the risk, so it’s relatively stabilizing. The standout is the semiconductor ETF: at 15% weight it contributes over 24% of total risk, reflecting how volatile that niche can be. The NASDAQ 100 and large‑cap growth ETFs each punch slightly above their weight, while the international fund contributes less risk than its 15% share. This means the “spice” in the portfolio is concentrated in a few growth and semiconductor exposures; tweaking those weights is the main lever if someone wanted to dial risk up or down.

Redundant positions Info

  • Invesco NASDAQ 100 ETF
    Schwab U.S. Large-Cap Growth ETF
    High correlation

The NASDAQ 100 ETF and the large‑cap growth ETF move almost identically, indicating very high correlation. Correlation measures how often and how closely assets move together; when it’s near 1, they tend to rise and fall in sync. Owning two highly correlated funds is a bit like owning two versions of the same thing—it doesn’t add much diversification, even if the labels differ. In practical terms, this pair behaves like a single growth‑heavy sleeve of the portfolio. That’s not necessarily bad, but it explains why big moves in US large‑cap growth stocks can have an outsized impact on your overall day‑to‑day returns.

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 on or very close to the efficient frontier. The efficient frontier represents the best possible return for each risk level given the existing holdings. With a Sharpe ratio of 0.6 versus 0.76 for the max‑Sharpe mix and 0.69 for the minimum‑variance mix, your allocation is already quite efficient for its chosen risk. The optimal portfolio would take more risk to chase higher return, while the minimum‑variance one would dial risk down for less expected return. The nice message here: within these ETFs, you’re already using the ingredients well without obvious inefficiencies that need fixing.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • iShares Semiconductor ETF 0.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.06%

The portfolio’s total dividend yield is about 1.06%, which is on the low side and reflects the growth focus. The international fund is the main income contributor at 2.8%, while the US growth and tech‑oriented ETFs yield roughly 0.4–0.5%. Dividends can be a steady, less volatile part of total return, but growth portfolios often prefer companies that reinvest earnings rather than pay them out. For someone prioritizing long‑term capital appreciation and using an accumulation mindset, this level of yield is perfectly consistent. For investors who need regular cashflow, though, this setup would likely require planned withdrawals rather than relying on dividends alone.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • iShares Semiconductor ETF 0.35%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.10%

The average total expense ratio (TER) for this portfolio is impressively low at 0.10%. TER is the annual fee charged by funds, and even small differences compound meaningfully over decades. Here, the core holdings—especially the total market and large‑cap growth ETFs—are extremely cheap, which supports better net returns. The semiconductor ETF is pricier at 0.35%, but given its specialized focus, that’s still within a reasonable range. Overall, this fee level is well below what many investors pay for similar exposure. That’s a real strength: the structure is doing what it should, letting your investment results be driven mainly by markets, not by costs.

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