High growth focused US equity portfolio with concentrated technology exposure and efficient overall risk profile
Report created on May 8, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 25.00% -
QQ Invesco QQQ Trust
QQQ - US46090E1038 25.00%
This portfolio is a three-ETF mix fully invested in US stocks: half in a broad S&P 500 tracker, a quarter in a small cap value fund, and a quarter in a large-cap growth fund tracking the Nasdaq 100. So structurally it blends broad market exposure, aggressive growth, and a tilt toward smaller cheaper companies. That combination explains the “Growth” risk label and relatively low diversification score: everything is in one asset class and almost one country. The structure concentrates returns and risk in US equities, so portfolio ups and downs will closely follow US stock market cycles rather than being cushioned by bonds or international assets.
Growth
Over the period since late 2019, a hypothetical $1,000 in this portfolio grew to about $2,930, implying a compound annual growth rate (CAGR) of 17.75%. CAGR is like your “average speed” over the whole trip, smoothing out all the bumps. This return beat both the US market (16.09%) and the global market (13.55%), helped by its growth and small-cap tilt. The deepest drop was about -35% during early 2020, similar in depth to the benchmarks but followed by a strong recovery in roughly four months. Only 24 trading days generated 90% of total gains, underlining how missing a handful of strong days can materially change long-term outcomes.
Projection
The Monte Carlo projection uses past return and volatility patterns to simulate many possible 15‑year paths for $1,000. Think of it as running 1,000 alternate futures based on the same “weather” the portfolio has seen historically. The median outcome is around $2,732, with a central “likely” range between about $1,772 and $4,145. Extreme but plausible paths span roughly $946 to $7,808. The average simulated annual return is 7.99%, and roughly 73% of simulations end positive. These numbers are not promises; they simply illustrate how a growth‑oriented, all‑equity mix can produce a wide spread of outcomes, especially over longer horizons.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with no bonds, cash, or alternatives. That single-asset-class focus is why the risk score sits toward the higher end and the diversification score is low. Asset class diversification — mixing stocks with steadier assets like bonds or cash — tends to smooth out volatility over time. Here, every dollar is tied to equity markets, so drawdowns can be sharper, but upside potential is also greater than in portfolios with meaningful bond exposure. Relative to typical global multi-asset benchmarks, this portfolio sacrifices cross-asset balance in favor of a pure growth equity profile, which explains both its strong past returns and its sensitivity to equity downturns.
Sectors
- Technology 32%
- Financials 13%
- Consumer Discretionary 12%
- Telecommunications 10%
- Industrials 8%
- Health Care 7%
- Energy 7%
- Consumer Staples 6%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector-wise, technology is the largest slice at about 32%, followed by financials, consumer discretionary, and telecommunications. Smaller allocations spread across industrials, health care, energy, consumer staples, materials, utilities, and real estate. This mix is more growth‑oriented than a classic broad-market portfolio because the tech and communication-heavy growth ETF adds extra weight to fast-growing, innovation-driven companies. Portfolios with large tech and related exposures often do very well when growth stocks are in favor, as they were recently, but can swing more when interest rates rise or sentiment turns against high-growth names. Compared to many benchmarks, this portfolio leans more into tech and related growth sectors than into defensive areas.
Regions
- North America 99%
- Europe Developed 1%
Geographically, about 99% of the portfolio sits in North America, with only a tiny slice in developed Europe. That tight focus aligns closely with the holdings of the S&P 500 and Nasdaq 100, which are dominated by US-listed companies. While many of these firms earn revenue globally, the portfolio’s market risk is still heavily tied to the US economy, regulations, and currency. Compared to global equity benchmarks that include large allocations to Europe and Asia, this is a distinctly US‑centric approach. The upside is clear alignment with a market that has led performance lately; the trade‑off is limited diversification across different regions and policy regimes.
Market capitalization
- Mega-cap 36%
- Large-cap 26%
- Small-cap 13%
- Mid-cap 12%
- Micro-cap 11%
The market cap profile is spread across sizes: around 36% in mega caps, 26% in large caps, and the rest across mid, small, and even micro caps. This is more size-diverse than many large-cap-only portfolios because of the dedicated small cap value ETF. Large and mega caps typically bring stability and liquidity, while mid, small, and micro caps can offer higher growth potential but usually with bumpier rides. This mix adds an extra layer of diversification within equities themselves: returns are not purely driven by mega tech giants, even though those names still play a meaningful role. In turbulent markets, smaller companies may move more aggressively, contributing to higher overall volatility.
True holdings
-
NV NVIDIA Corporation 5.89%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
AA Apple Inc 5.12%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.80%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.07%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.47%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.18%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.11%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.90%
Part of fund(s):- Invesco QQQ Trust
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.79%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 0.79%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 29.12%
Looking through the top ETF holdings, a handful of mega-cap names appear prominently: Nvidia, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Meta, Tesla, and Berkshire Hathaway together make up a meaningful slice of the portfolio. Several of these appear via both the S&P 500 ETF and the growth ETF, creating overlap and hidden concentration in the biggest technology and platform companies. Because the analysis only uses top‑10 positions, overlap is likely understated. This pattern is typical for US equity portfolios today but does mean that the fortunes of a relatively small group of very large firms have an outsized impact on overall performance, both positively and negatively.
Factors
The factor profile — across value, size, momentum, quality, yield, and low volatility — sits close to neutral in all categories. Factor exposure is like checking which “ingredients” drive returns: cheap vs expensive, big vs small, stable vs volatile, and so on. Scores around 50% indicate the portfolio behaves similarly to the overall market on those traits, rather than strongly favoring any single style. That’s somewhat interesting given the mix of a growth-heavy ETF and a small cap value ETF, which offset each other in aggregate. The result is a broadly balanced factor footprint, which can help avoid being overly dependent on one specific investing style cycle, at least from a factor perspective.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 45.7% -
Avantis® U.S. Small Cap Value ETF
Weight: 25.00% 28.4% -
Invesco QQQ Trust
Weight: 25.00% 25.9%
Risk contribution shows how much each ETF drives the portfolio’s overall ups and downs, which can differ from its simple weight. Here, the S&P 500 ETF is 50% of the portfolio and contributes about 46% of the risk, slightly less than proportional, reflecting its broad diversification. The small cap value ETF is 25% of the weight but contributes roughly 28% of risk, indicating it’s a bit more volatile than the others. The growth ETF’s risk share is almost exactly in line with its 25% weight. Overall, risk is relatively evenly distributed across the three positions, without any single ETF dominating the portfolio’s 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 risk vs. return chart shows this portfolio sitting on or very close to the efficient frontier. The efficient frontier is the curve of best possible risk/return combinations you can get using just these holdings with different weightings. The current mix has a Sharpe ratio — return per unit of risk — of 0.69, compared with 0.9 for the max-Sharpe allocation and 0.79 for the minimum-variance mix. That means there are theoretical weightings that could deliver either slightly higher return for similar risk or lower risk for slightly lower return. Still, being on or near the frontier suggests the current allocation uses these three ETFs in a broadly efficient way.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco QQQ Trust 0.40%
- Vanguard S&P 500 ETF 1.10%
- Weighted yield (per year) 0.98%
Dividend yield for the total portfolio is just under 1%, with the small cap value ETF yielding around 1.3%, the S&P 500 ETF about 1.1%, and the growth ETF at roughly 0.4%. A yield near 1% is relatively modest compared to more income-focused strategies but common for growth-tilted US equity mixes. Dividends can play two roles: providing some cash flow and contributing to total return when reinvested. In this portfolio, capital gains from price movement have historically been the main driver of performance, while dividends provide a smaller but steady component, especially from the value and broad-market portions.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco QQQ Trust 0.20%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.13%
The weighted average ongoing cost (TER) across the three ETFs is about 0.13% per year, which is impressively low for an active-looking blend of strategies. TER, or Total Expense Ratio, is the annual fee charged by funds, and it quietly chips away at returns over time. Keeping this number low leaves more of the gross return in the investor’s pocket. Here, the ultra-cheap S&P 500 ETF at 0.03% offsets the higher fees of the small cap value ETF (0.25%) and the growth ETF (0.20%). Relative to many comparable active or factor-tilted products, this cost structure is a clear strength and supports better long-term compounding.
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