Concentrated US growth portfolio with neutral factor tilts and a single high risk stock position
Report created on Jun 30, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 70.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00% -
DT Global X Data Center & Digital Infrastructure ETF
DTCR 5.00% -
WA Western Alaska Minerals Corp
WAMFF 5.00%
This portfolio is a mostly equity, growth-leaning mix built around one core holding. About 70% sits in a broad US large‑cap index ETF, which forms the backbone. Another 20% goes into diversifiers: 10% in a US small‑cap value ETF and 10% in a broad international equity ETF. The remaining 10% is more satellite: 5% in a thematic data‑center and digital‑infrastructure ETF and 5% in a single small mining stock. Structurally, this is a “core‑plus‑satellites” setup, where the large index fund provides market‑like behavior and the smaller positions add extra risk and return potential. That’s a common and generally robust way to build around a simple, diversified base.
Growth
From early 2022 to mid‑2026, a hypothetical $1,000 in this portfolio grew to about $1,610. That works out to a compound annual growth rate (CAGR) of 11.34%, meaning it grew on average 11.34% per year over the period, like measuring average speed over a road trip. The portfolio slightly lagged the US market benchmark by 0.76% per year but modestly beat the global market by 0.35% per year. Its max drawdown was -27.14%, deeper than the US benchmark’s -23.22%, and it took around 20 months to recover, which is a fairly long healing period. Only eight trading days created 90% of total returns, underlining how missing a handful of strong days can dramatically change long‑term outcomes.
Projection
The forward projection uses a Monte Carlo simulation, which basically re‑mixes historical returns thousands of times to show many possible futures, not just one forecast. Starting from $1,000, the median 15‑year outcome is around $2,670, implying roughly 7.98% annualized across all simulations. The “likely” middle band (25th to 75th percentile) ranges from about $1,803 to $4,054, while a wider “possible” band stretches from $972 to $7,726. This shows that even with the same underlying portfolio, results can vary a lot purely due to randomness. As always, these simulations lean heavily on the past, so they’re a guide to potential variability, not a promise of actual returns.
Asset classes
- Stocks 95%
- Real Estate 5%
Asset‑class exposure is very straightforward here: about 95% in stocks and 5% in real estate‑related assets via the digital infrastructure ETF. Compared with broad global or US benchmarks that often mix in bonds, this is clearly an equity‑heavy, growth‑oriented setup. Equities historically offer higher potential returns but come with larger swings in value, especially during market stress. The small real‑estate slice mainly adds a different type of equity exposure, not bond‑like stability. This structure makes the portfolio’s performance largely tied to how global stock markets behave, especially US equities, rather than being buffered by safer, income‑focused asset classes.
Sectors
- Technology 30%
- Financials 13%
- Consumer Discretionary 10%
- Industrials 9%
- Telecommunications 9%
- Basic Materials 8%
- Health Care 7%
- Energy 5%
- Consumer Staples 4%
- Real Estate 4%
- Utilities 2%
This breakdown covers the equity portion of your portfolio only.
Sector exposure is tilted but still reasonably spread out. Technology stands out at about 30%, helped by both the S&P 500 core and the data‑center ETF. Financials (13%), consumer discretionary (10%), and industrials (9%) add further balance, with other sectors like telecoms, materials, health care, and energy in mid‑single digits. Real estate and utilities are relatively small. This tech‑leaning mix often benefits when growth and innovation‑driven businesses are in favor, but can be more sensitive to interest‑rate changes or shifts in market sentiment toward high‑growth names. Overall, the sector breakdown stays broadly in line with common US benchmarks, which is a solid indicator of reasonable diversification across the economy.
Regions
- North America 89%
- Europe Developed 4%
- Asia Developed 2%
- Asia Emerging 2%
- Japan 2%
- Australasia 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, the portfolio is strongly focused on North America at 89%, with limited exposure elsewhere: low single‑digit slices in developed Europe, Japan, other developed Asia, and emerging Asia, plus a small allocation to Australasia. Compared with a global market index, which typically has much more non‑US exposure, this is a clear US tilt. That has worked well over the last decade, as US markets have outpaced many regions, but it also means outcomes are heavily linked to one economy, one currency, and one policy environment. The modest international slice does add some diversification, yet the portfolio’s risk and return profile still largely rides on the US market’s fortunes.
Market capitalization
- Mega-cap 38%
- Large-cap 29%
- Mid-cap 17%
- Micro-cap 10%
- Small-cap 6%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, the portfolio leans toward bigger companies but with meaningful smaller‑company exposure. Roughly 38% sits in mega‑caps and 29% in large‑caps, which tend to be more stable and widely followed. Mid‑caps take 17%, while small‑caps and micro‑caps together make up 16%. This combination mixes the steadier behavior of giants with the higher volatility and potential of smaller firms. Smaller companies often react more sharply to economic cycles and market stress, so they can amplify both gains and losses. The blend here means the overall portfolio still behaves mostly like a large‑cap portfolio but with an extra dose of small‑company risk and opportunity layered on top.
True holdings
-
NV NVIDIA Corporation 5.52%
Part of fund(s):- Vanguard S&P 500 ETF
-
-
AA Apple Inc. 4.94%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.60%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.85%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.39%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.28%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.90%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.49%
Part of fund(s):- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.39%
Part of fund(s):- Global X Data Center & Digital Infrastructure ETF
- Vanguard S&P 500 ETF
- Top 10 total 31.35%
This breakdown covers the equity portion of your portfolio only.
The look‑through holdings list shows how much the same underlying companies appear across your ETFs. Big US tech names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, and Micron are all meaningful exposures via the ETFs, even though they’re not held directly. For example, NVIDIA alone adds up to about 5.52% of the portfolio, while Apple is 4.94%. Western Alaska Minerals shows up both as a direct 5% single stock and in the look‑through table as that same position, emphasizing it’s a distinct, concentrated bet. Because the analysis only uses ETF top‑10 holdings, overlap in mid‑sized names is probably understated, so hidden concentration in popular large‑caps is likely a bit higher than it appears here.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
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” mark. In factor investing terms, factors are like characteristics that help explain why some stocks move differently from others over time. Neutral scores here suggest the portfolio is behaving similarly to a broad market index rather than strongly tilting toward any particular style, like deep value, high momentum, or defensive low‑vol. That’s consistent with the dominant role of the S&P 500 ETF. This well‑balanced factor profile means gains or losses are less likely to be driven by a single style bet and more by overall market direction.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 70.00% 59.1% -
Western Alaska Minerals Corp
Weight: 5.00% 20.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 9.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 7.2% -
Global X Data Center & Digital Infrastructure ETF
Weight: 5.00% 4.3%
Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ a lot from simple weights. The S&P 500 ETF is 70% of the allocation but contributes about 59% of the portfolio’s risk, meaning it’s actually a bit less volatile than its size suggests. Western Alaska Minerals, at only 5% weight, contributes around 20% of the total risk, with a risk‑to‑weight ratio of 4.0 — a classic sign of a highly volatile position. The small‑cap value ETF, international ETF, and data‑center ETF all have risk contributions roughly in line with their sizes. Overall, the top three holdings drive nearly 89% of risk, but Western Alaska is the standout single source of extra volatility.
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.
The efficient frontier analysis compares your current mix with other possible blends of the same holdings. The Sharpe ratio, which measures risk‑adjusted return by comparing extra return to volatility, is 0.69 for the current portfolio. The optimal point on the frontier, using only these holdings, has a higher Sharpe of 0.89 but with more risk and return, while the minimum‑variance mix has a Sharpe of 0.66 with less risk. The key takeaway is that the current portfolio is on or very close to the efficient frontier, meaning it’s already using these ingredients in a way that’s considered efficient for its chosen risk level, rather than leaving obvious risk‑return improvements on the table through poor weighting.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Global X Data Center & Digital Infrastructure ETF 0.40%
- Vanguard S&P 500 ETF 1.30%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.32%
The portfolio’s overall dividend yield sits around 1.32%, which is on the lower side compared to some income‑focused strategies but normal for a growth‑oriented, US‑tilted equity mix. An ETF’s yield is simply its annual cash payout as a percentage of its price. The international ETF has the highest yield at 2.6%, while the thematic infrastructure ETF and small‑cap value fund yield less. With such a yield profile, most of the expected return over time comes from price movements rather than cash income. That lines up with the growth classification and the focus on large‑cap US stocks and smaller companies, where reinvested earnings and capital appreciation tend to matter more than dividends.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Global X Data Center & Digital Infrastructure ETF 0.50%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
Costs are a real strength here. The total expense ratio (TER) across the ETFs averages about 0.08% per year, which is very low. TER is the annual fee charged by a fund, a bit like a small service charge for running the portfolio. The core S&P 500 ETF is especially cheap at 0.03%, and even the international fund is only 0.05%. The small‑cap value ETF at 0.25% and the thematic ETF at 0.50% are higher but still reasonable for more specialized strategies. Over long periods, keeping fees this low helps more of the portfolio’s gross returns stay in the account, and this cost structure aligns well with best practices for long‑term, index‑heavy investing.
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