High growth focused all stock portfolio with strong US tilt and balanced factor profile
Report created on May 1, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00% -
QQ Invesco QQQ Trust
QQQ - US46090E1038 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00%
This portfolio is a simple four‑ETF mix that is 100% in stocks, with no bonds or cash built in. Half sits in a broad US total market fund, which anchors the portfolio in a diversified core. Another 20% is in a large‑cap growth ETF tracking big US innovators, while 20% goes to international stocks and 10% to US small‑cap value. Structurally, this is a growth‑oriented, equity‑only setup. That’s relevant because an all‑stock mix typically swings more than portfolios that blend in bonds. The mix of broad core funds plus a couple of tilts (growth and small value) means returns are mostly driven by the overall stock market, with some extra flavor from style exposures.
Growth
Over the period from late 2019 to April 2026, $1,000 in this portfolio grew to about $2,664. That translates to a compound annual growth rate (CAGR) of 16.11%, which is slightly ahead of the US market benchmark and clearly ahead of the global benchmark. CAGR is like your average speed on a road trip, smoothing out bumps along the way. The worst drop, or max drawdown, was about -34% during early 2020, similar to broad markets and recovered in around four months. This shows the portfolio has behaved much like a strong equity index: high growth but sharp dips. Also, 90% of returns came in just 23 days, highlighting how missing a few big days can matter a lot.
Projection
The Monte Carlo simulation projects many possible 15‑year paths by randomly re‑mixing returns based on history. It’s like running 1,000 alternate futures and seeing where most of them land. Here, the median outcome turns $1,000 into around $2,800, with a central “likely” band from about $1,805 to $4,182. The full 5th–95th percentile range is wide, from roughly flat to very strong growth, reflecting equity‑style uncertainty. The average simulated annual return of 8.31% is notably lower than the historical 16.11%, which is a reminder that past performance, especially over a strong period, can be hard to repeat. Simulations aren’t predictions, but they help frame how bumpy the ride could be.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. That’s straightforward: there’s no built‑in cushion from more stable asset classes. Stocks are typically the main growth engine in portfolios, but they can fall quickly during market stress. Having 100% in equities means the portfolio fully participates in both the upside and downside of stock markets. Compared with blended portfolios that hold fixed income, this structure usually has higher expected returns but also higher volatility and larger drawdowns. The alignment with the “Growth” risk classification and a 5/7 risk score fits this all‑equity profile, while the moderate diversification score reflects that diversification is happening within stocks, not across asset classes.
Sectors
- Technology 30%
- Financials 13%
- Consumer Discretionary 11%
- Industrials 10%
- Telecommunications 9%
- Health Care 8%
- Consumer Staples 6%
- Energy 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector‑wise, the portfolio leans heavily into technology at around 30%, with meaningful allocations to financials, consumer discretionary, and industrials. Smaller slices go to telecoms, health care, staples, energy, materials, utilities, and real estate. This distribution is broadly in line with many broad US and global equity indices, where technology and related areas have grown in market share. Tech‑heavy allocations can benefit when innovation and digital trends drive earnings, but they may be more sensitive to interest rate moves or shifts away from growth stocks. The presence of cyclical and defensive sectors alongside tech provides some balance, which supports the portfolio’s “Moderately Diversified” label from a sector perspective.
Regions
- North America 81%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Asia Emerging 3%
- Australasia 1%
- Latin America 1%
- Africa/Middle East 1%
Geographically, about 81% of the portfolio is in North America, with the rest spread across Europe, Japan, other developed Asia, emerging Asia, Australasia, Latin America, and Africa/Middle East. That’s a clear US‑centric stance, somewhat heavier than a pure global market‑cap benchmark where the US is typically closer to 60%. A strong US tilt has been beneficial over the last decade, which shows up in the portfolio’s outperformance versus the global benchmark. However, it also means results are strongly tied to one economy, currency, and policy environment. The international allocation meaningfully broadens exposure beyond the US, which is a positive step toward diversification, but the home bias remains a defining feature.
Market capitalization
- Mega-cap 39%
- Large-cap 29%
- Mid-cap 15%
- Small-cap 9%
- Micro-cap 6%
The market cap mix shows substantial exposure to mega‑ and large‑cap companies (about 68% combined), with the rest in mid, small, and micro caps. This is broadly market‑like but with more small and micro exposure than a typical pure large‑cap index, helped by the US small‑cap value ETF and the total market fund. Larger companies often provide stability, established cash flows, and deep liquidity, which can smooth out some volatility. Smaller and micro‑cap stocks can be more volatile and sensitive to economic cycles but sometimes offer higher growth potential. This blend means most risk and return still come from big, familiar names, while the smaller‑company sleeve adds an extra engine for diversification within equities.
True holdings
-
NV NVIDIA Corporation 5.06%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 4.35%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.30%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.59%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.05%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.87%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.73%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.70%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.50%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.69%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 24.84%
Looking through ETF top‑10 holdings, the biggest single stock exposures are well‑known US mega‑caps like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, and Tesla. Each appears across multiple ETFs, with the top position (NVIDIA) at just over 5% of the portfolio. Because only top‑10 ETF holdings are captured, overlap is likely understated, but it still shows a meaningful concentration in a small group of large tech‑related names. This kind of “hidden” concentration is common in index‑heavy portfolios: owning multiple funds can still lead back to the same giants. The presence of Taiwan Semiconductor in the list also indicates some non‑US exposure at the company level, complementing the dedicated international ETF.
Factors
Factor exposure is broadly neutral across all six measured factors: value, size, momentum, quality, yield, and low volatility all sit close to 50%. Factor exposure describes how much a portfolio leans into certain characteristics that research links to returns, such as cheapness (value) or recent winners (momentum). A “neutral” reading means the portfolio looks similar to the overall market on these dimensions, rather than heavily emphasizing any one style. That fits with the core‑plus structure: broad total market funds, a growth‑oriented ETF, and a small‑cap value ETF that partially offset one another. This well‑balanced factor profile suggests the portfolio’s behavior should resemble a diversified global equity market rather than a niche style bet.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 49.7% -
Invesco QQQ Trust
Weight: 20.00% 22.3% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 16.5% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 11.6%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the US total market ETF is 50% of the portfolio and contributes about 50% of the risk, so it’s in line with its size. The growth ETF at 20% weight contributes about 22% of risk, and the small‑cap value ETF at 10% contributes roughly 12%, both slightly punchier than their weights. The international ETF contributes less risk than its 20% allocation. The top three positions together drive about 88% of total portfolio risk, which is typical for a concentrated four‑fund setup. This highlights how position sizing and volatility interact to shape overall portfolio behavior.
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‑return chart compares this portfolio with variations using only these four ETFs. The Sharpe ratio, which measures return per unit of risk after accounting for a risk‑free rate, is 0.63 for the current mix. The optimal combination along the efficient frontier reaches a higher Sharpe of 0.89, while the minimum‑variance mix has a Sharpe of 0.62 at lower risk. Importantly, the current portfolio sits on or very near the efficient frontier, meaning that, for its chosen risk level, the allocation is already efficient using these holdings. In other words, within this four‑ETF menu, the current weights provide a solid balance of risk and return without obvious inefficiencies that a simple reweighting would fix.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco QQQ Trust 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) 1.32%
The portfolio’s total dividend yield is around 1.32%, with the highest yield coming from the international ETF at 2.80%, followed by the US total market and small‑cap value funds. The growth‑oriented QQQ ETF has a much lower yield, which is common for funds tilted toward companies that reinvest profits rather than paying them out. Dividends matter because they form a steady part of total return, especially over long horizons, but an equity portfolio like this is clearly return‑driven by capital gains rather than income. The relatively modest yield aligns with the growth‑focused, tech‑heavy structure and the “Growth Investor” classification, while still providing some ongoing cash flow from global, more dividend‑oriented markets.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco QQQ Trust 0.20%
- 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) 0.09%
Costs are very low overall, with a weighted total expense ratio (TER) of about 0.09%. TER is the annual fee charged by funds, expressed as a percentage of assets, and it directly reduces net returns. Most holdings here are ultra‑low‑cost index ETFs, with the small‑cap value fund slightly higher but still reasonable. This cost profile is a real strength: fees at this level leave most of the market’s return in investors’ hands and compound very favorably over time. Compared with typical active funds or pricier ETFs, this structure is impressively cost‑efficient. Low ongoing drag on performance pairs well with the portfolio’s long‑term, growth‑oriented equity exposure and supports better outcomes across decades.
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