High growth focused US stock portfolio with strong tech tilt and modest small cap value sleeve
Report created on Sep 22, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
FX Fidelity 500 Index Fund
FXAIX - US3159117502 50.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00%
This portfolio is simple and very growth‑oriented: four funds, all in US stocks. About half sits in a broad US large‑cap index, with a big chunk tilted to large‑cap growth and the Nasdaq 100, plus a smaller slice in US small cap value. So the core is diversified US blue chips, wrapped with a growth‑heavy overlay and a value‑tilted small cap kicker. Structurally this keeps things easy to follow and trades complexity for focused exposure. The trade‑off is low diversification across asset types and regions, which means the portfolio’s ups and downs are tightly tied to how the US stock market — especially growth names — behaves over time.
Growth
Historically, from late 2020 to late 2026, a $1,000 hypothetical investment grew to about $2,459. That’s a compound annual growth rate (CAGR) of 16.44%, meaning the portfolio grew as if it earned roughly 16% per year on average over the full period. It outpaced both the broad US market and the global market, reflecting its growth tilt during a tech‑friendly era. The deepest drop, or max drawdown, was about −26.7%, slightly worse than the US market but similar to the global one. That shows strong upside but also real swings. As always, past performance only shows how this mix behaved before; it doesn’t guarantee similar results going forward.
Projection
The Monte Carlo projection uses many simulated paths based on historical ups and downs to show possible futures. It’s like running 1,000 alternate timelines for the same portfolio. After 15 years, the median outcome turns $1,000 into about $2,662, with most simulations landing between roughly $1,739 and $3,947. Extreme but still plausible outcomes range from about $928 to $7,389. The average annual return across all simulations is 7.87%, and around 72.5% of runs end positive. These numbers illustrate a wide cone of possibilities rather than a promise. Simulations lean heavily on past patterns, so surprises and new market regimes can still push results outside these bands.
Asset classes
- Stocks 100%
All of this portfolio sits in one asset class: stocks. That creates a very clear risk profile, since there’s no built‑in cushion from bonds, cash, or alternatives. Equities historically offer higher long‑term return potential, but their prices can swing sharply in the short and medium term. A 100% stock allocation means the portfolio fully participates in equity market cycles, both rallies and corrections. This setup simplifies monitoring and keeps everything driven by corporate earnings and sentiment. The trade‑off is that any diversification benefits must come from differences within stock markets — such as style, size, or sector — rather than from mixing multiple asset classes.
Sectors
- Technology 41%
- Telecommunications 11%
- Financials 10%
- Health Care 8%
- Industrials 7%
- Consumer Discretionary 6%
- Consumer Discretionary 5%
- Consumer Staples 4%
- Energy 4%
- Basic Materials 2%
- Utilities 1%
- Real Estate 1%
Sector data shows a heavy tilt toward technology at about 41%, with telecommunications and financials next in line. Areas like health care, industrials, consumer names, energy, and materials have smaller but still present slices, while utilities and real estate are minimal. Compared with a broad market mix, this leans more toward tech‑related industries and less toward traditionally defensive sectors. Tech‑heavy portfolios often shine when innovation and growth are in favor, but they may swing more when interest rates rise or when sentiment turns against high‑growth business models. The positive here is clear exposure to growth drivers; the flip side is more sensitivity to tech‑specific cycles.
Regions
- North America 99%
Geographically, the portfolio is almost entirely in North America, at 99%. That means company revenues and risk are closely tied to the US economy, US regulation, and the US dollar. This concentrated exposure has worked well over the last decade as US markets outperformed many regions, and that history shows up in the strong recent returns. It also means the portfolio doesn’t directly tap growth or diversification from other major markets. When the US does well, this structure tends to fully reflect that. When the US lags, there’s little offset from other regions. This tight geographic focus is a key driver of the portfolio’s behavior.
Market capitalization
- Mega-cap 45%
- Large-cap 29%
- Mid-cap 14%
- Small-cap 5%
- Micro-cap 5%
By market cap, the portfolio leans strongly toward the biggest companies: about 45% in mega‑caps and 29% in large‑caps, with the rest split across mid, small, and micro‑caps. That makes the bulk of performance dependent on well‑established giants, which tend to be more stable than tiny firms but still quite volatile in aggregate. The smaller portion in small and micro‑caps adds some exposure to more cyclical, historically higher‑risk names, especially through the small cap value ETF. This mix keeps the core anchored in household‑name companies while still allowing room for different size dynamics. Overall, it’s a large‑cap‑driven profile with a modest sized‑company twist.
True holdings
-
NV NVIDIA Corporation 3.83%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
-
AA Apple Inc. 3.57%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 2.66%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
-
AM Amazon.com Inc 1.85%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class A 1.46%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
-
AM Advanced Micro Devices Inc 1.33%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class C 1.25%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
-
ME Meta Platforms Inc. 1.25%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
-
MU Micron Technology Inc 0.97%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AV Broadcom Inc 0.66%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 18.83%
Looking through the top ETF holdings, the largest underlying exposures cluster in a handful of big tech and internet names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, and similar firms. Many appear across multiple funds, which creates overlap and hidden concentration: even if each fund looks diversified on its own, the combined portfolio still leans heavily on the same companies. For example, NVIDIA alone represents almost 4% of total exposure from the visible slice, with other mega‑cap tech names not far behind. Because only ETF top‑10 holdings are captured, actual overlap is likely even higher, reinforcing how much the portfolio’s fate tracks a small group of dominant tech leaders.
Factors
Factor exposures — the underlying characteristics like value, size, momentum, quality, low volatility, and yield — are mostly in the neutral range here. That suggests the portfolio behaves broadly like the overall market on these dimensions rather than heavily emphasizing any single style. The one notable exception is yield, which is low. A low yield factor means the holdings tend to pay relatively modest dividends and are more oriented toward reinvesting profits for growth. This lines up with the visible tilt toward technology and growth names. In practice, returns are likely to come more from price changes than from a steady income stream.
Risk contribution
-
Fidelity 500 Index Fund
Weight: 50.00% 44.5% -
Invesco NASDAQ 100 ETF
Weight: 20.00% 23.3% -
Schwab U.S. Large-Cap Growth ETF
Weight: 20.00% 23.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 9.2%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its simple weight. Here, the three growth‑oriented funds together make up 90.79% of total risk, even though they’re 90% of the portfolio by weight — a close but not identical match. The Nasdaq 100 and large‑cap growth ETF each contribute slightly more risk than their weights, reflecting their higher volatility relative to a broad index. The core S&P 500 fund and the small cap value ETF contribute slightly less risk than their sizes might suggest. That means day‑to‑day swings are especially shaped by the concentrated growth sleeve.
Redundant positions
-
High correlationInvesco NASDAQ 100 ETFSchwab U.S. Large-Cap Growth ETF
The correlation data highlights that the Nasdaq 100 ETF and the Schwab US large‑cap growth ETF move almost identically. Correlation measures how often assets rise and fall together, on a scale from −1 to 1. When two funds are highly correlated, owning both doesn’t add much diversification, even if their names differ. In this case, both vehicles are heavily exposed to similar types of large growth companies, so they tend to react similarly to market news. From a risk perspective, that means those two positions behave more like one big growth bet than two independent sources of return, especially during sharp market moves.
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 1.08 percentage points at its current risk level. The efficient frontier shows the best return possible for each level of volatility using only the existing holdings in different mixes. The current Sharpe ratio — a measure of return per unit of risk — is 0.71, compared with 0.94 for the optimal mix and 0.91 for the minimum‑variance mix. That means a different weighting of these same four funds could historically have delivered better risk‑adjusted results. Even so, the current setup still offers high expected returns; it’s just not using the full diversification potential within these holdings.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.60%
- Fidelity 500 Index Fund 1.00%
- Invesco NASDAQ 100 ETF 0.40%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Weighted yield (per year) 0.82%
The portfolio’s overall dividend yield is about 0.82%, which is relatively low compared with broad US stock markets. Individual funds range from around 0.4% on the more growth‑oriented ETFs to 1.6% on the small cap value sleeve. This pattern fits a growth‑focused equity portfolio where many companies reinvest earnings rather than distribute them. In practice, that means the total return here is dominated by price appreciation, not cash payouts. For investors who track income, yields may vary over time as companies adjust dividends, but the current structure clearly emphasizes capital growth rather than building a large, predictable income stream from dividends.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Fidelity 500 Index Fund 0.02%
- Invesco NASDAQ 100 ETF 0.15%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Weighted costs total (per year) 0.07%
Total ongoing costs, measured by the weighted TER of about 0.07%, are impressively low for an all‑equity portfolio. The broad S&P 500 and Schwab large‑cap growth funds are especially cheap, and even the more specialized small cap value ETF has a moderate fee. Lower costs matter because they’re one of the few things that are relatively predictable: every dollar not spent on fees stays invested and can compound over time. Relative to many active or niche strategies, this cost structure is very efficient and supports better long‑term outcomes. It’s a clear strength of the portfolio’s design and helps offset the higher volatility that comes with an all‑stock approach.
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