Highly concentrated US technology growth portfolio with strong recent gains and limited diversification
Report created on May 9, 2026Risk profile
6/7
Diversification profile
2/5
Positions
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SP SPDR S&P 500 ETF Trust
SPY - US78462F1030 70.62% -
AV Broadcom Inc
AVGO - US11135F1012 7.97% -
AS ASML Holding NV
ASMLF - NL0010273215 6.83% -
GO Alphabet Inc Class A
GOOGL - US02079K3059 5.70% -
SN Sandisk Corp
SNDK - US80004C2008 3.64% -
NV NVIDIA Corporation
NVDA - US67066G1040 2.73% -
AA Apple Inc
AAPL - US0378331005 1.14% -
ME Meta Platforms Inc.
META - US30303M1027 0.80% -
MS Microsoft Corporation
MSFT - US5949181045 0.57%
This portfolio is built almost entirely around one broad US equity ETF, which holds just over 70%, plus a small set of individual large technology-focused stocks making up the rest. That creates a simple, stock-only structure with very little exposure outside equities. Because the holdings are all in the same general “growthy US mega-cap” style, they tend to move somewhat together. This simplicity makes the portfolio easy to understand and track, but also means that when this part of the market does well, the whole portfolio can jump quickly, and when it struggles, there are few other asset types to cushion the ride.
Growth
Over the roughly 1.2‑year period available, $1,000 invested in this portfolio grew to about $2,733, implying a very high compound annual growth rate (CAGR) of 128.25%. CAGR is like average speed on a road trip: it smooths out the bumps into one yearly growth number. The portfolio also saw a maximum drawdown of about -21%, meaning the largest peak‑to‑trough fall. It strongly outpaced both US and global equity benchmarks in this short window. Because the period is so brief and unusually strong, these figures show what happened, but they shouldn’t be treated as a typical long‑term pattern.
Projection
The forward projection uses a Monte Carlo simulation, which takes the past ups and downs and shuffles them thousands of times to create many possible 15‑year paths. From that, the median outcome for $1,000 is about $2,698, with a wide “likely” band between roughly $1,757 and $4,097. Monte Carlo gives a sense of possible ranges, not a prediction of any single path. With only about 1.2 years of history feeding the model, the inputs are noisy, especially after such an exceptional recent run, so the projected 7.87% annualized return should be seen as a rough scenario rather than a dependable forecast.
Asset classes
- Stocks 100%
All of the portfolio sits in stocks, with no allocation to bonds, cash-like instruments, or alternative assets. Asset classes are simply broad buckets—equities, bonds, real estate, etc.—that tend to behave differently at different times. A 100% equity allocation usually means higher potential growth but also larger swings in value, especially during market stress. Compared with a more mixed blend that includes bonds or other diversifiers, this structure offers little natural downside buffer. The aggressive risk score of 6/7 lines up with this equity-only setup, reflecting that the portfolio is designed to ride equity market movements rather than smooth them.
Sectors
- Technology 48%
- Telecommunications 14%
- Financials 8%
- Consumer Discretionary 7%
- Health Care 6%
- Industrials 6%
- Consumer Staples 3%
- Energy 2%
- Utilities 2%
- Real Estate 1%
- Basic Materials 1%
Sector data shows a heavy tilt toward technology at 48%, with additional meaningful exposure to telecommunications and smaller slices across other areas like financials, health care, and industrials. Sector exposure matters because different parts of the economy respond differently to interest rates, regulation, and growth cycles. A tech‑heavy profile often benefits strongly when innovation and growth expectations are high, but it can be more sensitive when rates rise or sentiment shifts away from high‑growth names. The presence of several other sectors adds some variety, yet overall the sector profile is clearly concentrated rather than broadly balanced across the economy.
Regions
- North America 93%
- Europe Developed 7%
Geographically, about 93% of the portfolio is in North America, with the remaining 7% in developed Europe. Geographic exposure affects how tied the portfolio is to one economy, currency, and policy environment. This structure is strongly aligned with US market performance, which has been a major driver of global returns in recent years. Compared with a global equity benchmark that spreads more across regions, this is a pronounced US home bias. That alignment can be comforting if you want returns broadly linked to US conditions, but it also means that shocks specific to the US market or dollar will largely drive the portfolio’s overall experience.
Market capitalization
- Mega-cap 59%
- Large-cap 28%
- Mid-cap 13%
- Small-cap 1%
The holdings skew toward the very largest listed companies: roughly 59% in mega‑caps, 28% in large‑caps, and only small slices in mid‑ and small‑caps. Market capitalization (or “market cap”) is simply the total value of a company in the stock market, and size matters because big and small firms often behave differently. Mega‑caps tend to be more established and liquid, and in recent years many of them have been dominant drivers of index returns. The relatively small mid‑ and small‑cap exposure limits potential benefits from more domestically focused or earlier‑stage companies, leaving the portfolio anchored in the behavior of global giants.
True holdings
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Part of fund(s):
- SPDR S&P 500 ETF Trust
-
Part of fund(s):
- SPDR S&P 500 ETF Trust
-
Part of fund(s):
- SPDR S&P 500 ETF Trust
-
-
Part of fund(s):
- SPDR S&P 500 ETF Trust
-
Part of fund(s):
- SPDR S&P 500 ETF Trust
-
-
AM Amazon.com Inc 3.03%
Part of fund(s):- SPDR S&P 500 ETF Trust
-
Part of fund(s):
- SPDR S&P 500 ETF Trust
-
GO Alphabet Inc Class C 2.04%
Part of fund(s):- SPDR S&P 500 ETF Trust
- Top 10 total 54.45%
Looking through the ETF’s top holdings, several companies appear both directly and via the fund, notably Broadcom, Alphabet, NVIDIA, Apple, Microsoft, and Meta. For example, Broadcom’s total exposure is about 10.27%, combining a 7.97% direct stake and an additional 2.30% through the ETF. This overlap creates “hidden concentration,” where the true exposure to a single company is higher than any one position suggests. Because only ETF top‑10 holdings are captured, this overlap is likely understated. The outcome is that a handful of large US tech‑related names play an outsized role in driving the portfolio’s day‑to‑day and long‑term results.
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 shows very high tilts toward momentum (88%) and quality (99%), alongside very low size (0%) and low value (20%). Factors are like underlying “personality traits” of stocks—momentum means owning recent winners, quality means profitable, stable businesses, while value and size capture cheaper and smaller companies. A strong momentum tilt can add punch when trends persist, but may hurt more when leadership abruptly rotates. Very high quality exposure often provides resilience during stress, as these companies tend to have solid balance sheets. The combination suggests a preference for large, expensive, winning companies rather than cheaper or smaller stocks.
Risk contribution
-
SPDR S&P 500 ETF Trust
Weight: 70.62% 55.4% -
Broadcom Inc
Weight: 7.97% 13.4% -
ASML Holding NV
Weight: 6.83% 9.8% -
Sandisk Corp
Weight: 3.64% 9.6% -
Alphabet Inc Class A
Weight: 5.70% 5.4% - Top 5 risk contribution 93.6%
Risk contribution data shows that the top three positions—SPDR S&P 500 ETF, Broadcom, and ASML—make up about 78.63% of total portfolio risk, even though they account for less than 86% of the weight. Risk contribution measures how much each holding adds to overall volatility; a small but volatile stock can add more risk than a larger but steadier one. Sandisk is notable here: at 3.64% weight, it contributes 9.59% of risk, with a risk/weight ratio of 2.63. This means a few individual names, especially Broadcom and Sandisk, have an influence on overall ups and downs that goes well beyond their dollar allocations.
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 the current portfolio with a Sharpe ratio of 1.53, compared with an “optimal” mix of the same holdings at 3.64 and a minimum‑variance version at 0.80. The Sharpe ratio measures risk‑adjusted return—how much excess return you get per unit of volatility, using a 4% risk‑free rate here. Being about 15 percentage points below the efficient frontier means that, based on the short historical window, different weights of these same holdings could have delivered higher returns for the same risk, or similar returns with less risk. Because the history is only about 1.2 years, this optimization is informative but not a stable long‑run rule.
Dividends
- Apple Inc 0.40%
- ASML Holding NV 0.60%
- Broadcom Inc 0.60%
- Alphabet Inc Class A 0.20%
- Meta Platforms Inc. 0.30%
- Microsoft Corporation 0.80%
- SPDR S&P 500 ETF Trust 1.00%
- Weighted yield (per year) 0.82%
The portfolio’s estimated dividend yield is about 0.82%, with the main ETF around 1.0% and individual stocks generally below 1%. Dividend yield is the annual cash paid out as a percentage of the current price—like rent from owning shares. Here, dividends are a relatively small part of expected total return; most of the portfolio’s recent gains have come from price moves, especially in high‑growth tech names. Low yields are common in growth‑oriented companies that reinvest profits rather than paying them out. This means the portfolio leans more toward capital appreciation potential than toward generating a steady income stream from dividends.
Ongoing product costs
- SPDR S&P 500 ETF Trust 0.10%
- Weighted costs total (per year) 0.07%
Costs are low: the main ETF charges a total expense ratio (TER) of 0.10%, and the overall blended TER for the portfolio is estimated around 0.07%. TER is the annual fee charged by funds, taken out of returns behind the scenes. Keeping this number low is helpful because fees compound over time just like returns, and higher costs create a drag year after year. Using a widely followed, low‑fee ETF as the core is aligned with cost‑efficient investing best practices. With stock‑picking layered on top, the bulk of ongoing cost drag comes from a single, already inexpensive, index‑tracking product.
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