Growth focused stock portfolio with strong US tilt and notable emphasis on technology and momentum
Report created on Apr 21, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
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VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 60.00% -
SO Invesco PHLX Semiconductor ETF
SOXQ - US46138G6153 15.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 15.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00%
This portfolio is a concentrated all‑equity mix built from four broad and thematic ETFs. Around 60% sits in a total US stock market fund, giving very wide exposure to domestic companies of all sizes. Another 10% adds international stocks, while two satellite positions of 15% each lean into semiconductors and momentum strategies. Structurally, this is a classic “core and satellites” layout: a diversified core wrapped with more focused growth‑oriented slices. That kind of structure can keep things relatively simple to understand and manage, while still giving room for stronger tilts toward specific themes. The flip side is that the satellites can heavily influence behavior, because they target narrower parts of the market.
Growth
Over the period shown, a hypothetical $1,000 in this portfolio grew to about $1,966, for a compound annual growth rate (CAGR) of 15.02%. CAGR is like your average speed on a long road trip, smoothing out all the bumps along the way. This beat both the broad US market (12.56%) and the global market (10.15%). The portfolio’s worst peak‑to‑trough drop was about ‑27.9%, a bit deeper than the US market but similar to global stocks. It took around 14 months to recover that loss. So historically, the portfolio has traded somewhat higher short‑term swings for higher returns, which is consistent with its growth‑oriented style.
Projection
The Monte Carlo projection uses past return and volatility patterns to randomly simulate many future paths for the portfolio. Think of it as running 1,000 different “what if” market histories over 15 years. In these simulations, $1,000 most often ends up around $2,658, with a typical middle range from about $1,780 to $4,077. The full range of more extreme but still plausible outcomes runs from roughly breaking even to strong multi‑bagger growth. The average simulated annual return is 8.08%, with about three‑quarters of the paths ending positive. These are not forecasts or guarantees; they just illustrate how a portfolio with similar risk and return characteristics might behave over longer periods.
Asset classes
- Stocks 100%
All of this portfolio is invested in stocks, with no bonds, cash, or alternative assets included. Equities are generally the growth engine in investing, but they can also swing more sharply than bonds or cash‑like holdings. Because the allocation is 100% stock, there’s no built‑in “shock absorber” from steadier asset classes during market downturns. Many broad benchmarks mix stocks with bonds, so compared with those, this portfolio is intentionally more growth‑heavy. Historically, all‑equity setups have tended to offer higher potential long‑term returns, but with deeper and more frequent drawdowns along the way. The diversification benefits here come from different types of stocks rather than from different asset classes.
Sectors
- Technology 43%
- Financials 11%
- Industrials 10%
- Health Care 8%
- Telecommunications 8%
- Consumer Discretionary 7%
- Consumer Staples 4%
- Energy 4%
- Basic Materials 2%
- Utilities 2%
- Real Estate 2%
Sector‑wise, the portfolio leans heavily into technology at about 43%, well above common broad‑market mixes. The rest is spread across financials, industrials, health care, telecoms, consumer areas, energy, materials, utilities, and real estate in relatively modest slices. This tech emphasis likely reflects the semiconductor ETF plus the natural tilt of US indexes toward larger tech names. Sector exposure matters because different parts of the economy react differently to things like interest rate moves or economic slowdowns. Tech‑heavy portfolios can benefit strongly when innovation and growth themes are rewarded, but they may be more sensitive during periods when investors rotate toward more defensive, slow‑and‑steady businesses.
Regions
- North America 89%
- Europe Developed 5%
- Asia Developed 2%
- Asia Emerging 2%
- Japan 2%
Geographically, about 89% of the portfolio sits in North America, with only small allocations to developed Europe, Japan, and other parts of Asia. Global stock market value is more spread out, so this is a clear home‑country bias toward the US. A strong US tilt has worked well in the last decade, as US markets outperformed many regions. At the same time, it means that company earnings, currency exposure, and regulatory risk are largely tied to one major market. International stocks can behave differently across cycles, providing another source of diversification. Here, that global diversification is present but relatively modest compared with a world‑weighted benchmark.
Market capitalization
- Mega-cap 38%
- Large-cap 37%
- Mid-cap 18%
- Small-cap 4%
- Micro-cap 1%
By market capitalization, the portfolio is dominated by mega‑ and large‑cap companies, together making up about three‑quarters of the total. Mid‑caps have a meaningful foothold, while small‑ and micro‑caps appear only at the margins. This pattern is broadly similar to many total‑market indexes, which naturally weight bigger companies more heavily. Large established firms often have more stable earnings and better access to financing, which can dampen volatility somewhat. Smaller names, on the other hand, can be more volatile but also more sensitive to economic growth and innovation. With this mix, most of the portfolio’s behavior will be driven by big, well‑known companies, with a smaller contribution from more agile, higher‑beta names.
True holdings
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NV NVIDIA Corporation 6.98%
Part of fund(s):- Invesco PHLX Semiconductor ETF
- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 4.21%
Part of fund(s):- Invesco PHLX Semiconductor ETF
- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.55%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.62%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.35%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 2.02%
Part of fund(s):- Invesco PHLX Semiconductor ETF
- Invesco S&P 500® Momentum ETF
-
AM Amazon.com Inc 1.92%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.87%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.19%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Advanced Micro Devices Inc 1.10%
Part of fund(s):- Invesco PHLX Semiconductor ETF
- Invesco S&P 500® Momentum ETF
- Top 10 total 27.82%
Looking through the ETFs’ top holdings, several large technology and internet firms show up multiple times, such as NVIDIA, Broadcom, Apple, Microsoft, Alphabet, Amazon, Meta, Micron, and AMD. NVIDIA alone accounts for nearly 7% of the portfolio via overlapping funds, with Broadcom above 4%. This kind of overlap creates hidden concentration: if one of these giants has a very strong or weak period, it can move the entire portfolio more than any single fund’s weight might suggest. The coverage here only reflects ETF top‑10 positions, so actual overlap is likely higher. Still, it clearly illustrates that a handful of large growth‑oriented companies are central drivers under the surface.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral, sitting close to 50% on each measure. Factors are like the underlying “traits” of stocks that research links to long‑term returns, such as being cheap (value), stable (low volatility), or fast‑rising (momentum). A neutral profile means this portfolio overall behaves similarly to the broad market along these dimensions, despite holding a dedicated momentum ETF. That suggests the strong tech and semiconductor tilts are mostly coming from sector and industry choices rather than extreme factor bets. This is a fairly balanced factor footprint, which can help avoid being overly reliant on any single style working at a given time.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 60.00% 53.8% -
Invesco PHLX Semiconductor ETF
Weight: 15.00% 25.6% -
Invesco S&P 500® Momentum ETF
Weight: 15.00% 13.7% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 10.00% 6.9%
Risk contribution shows how much each ETF adds to the portfolio’s overall ups and downs, which can differ from simple weights. Here, the total US market fund is 60% of the portfolio but contributes about 54% of the risk, so its risk share is slightly lower than its size. The semiconductor ETF, though only 15% by weight, contributes over 25% of total risk, highlighting how volatile and concentrated that slice is. The momentum fund lines up more evenly with its weight, while the international fund adds less risk than its 10% share. Overall, the top three positions drive more than 93% of the portfolio’s risk, showing that most variability comes from a small group of holdings.
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 the current mix with an “efficient frontier” built from these same ETFs. The current portfolio has a Sharpe ratio of 0.61, meaning its return per unit of risk is decent but not optimal given this opportunity set. The max‑Sharpe mix reaches 0.98 with only a modest increase in volatility, while the minimum‑variance mix keeps risk lower but also reduces expected return. Because the current portfolio sits about 4.3 percentage points below the frontier at its risk level, the data suggests that simply reweighting these four ETFs could improve risk‑adjusted returns. No new holdings are needed for that; it’s purely about how the existing pieces are combined.
Dividends
- Invesco PHLX Semiconductor ETF 0.40%
- Invesco S&P 500® Momentum ETF 0.80%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.11%
The overall dividend yield is about 1.11%, driven mostly by the broad US and international funds, with the thematic ETFs paying relatively little. Dividend yield is the annual cash payout as a percentage of the current price, like “interest” on a stock holding. This level is lower than what’s common for income‑focused stock portfolios but broadly in line with many growth‑oriented mixes, especially those tilted toward technology and momentum. Historically, total returns come from both price changes and dividends. In this case, the portfolio is clearly geared more toward capital appreciation than regular cash income, which fits with the strong emphasis on equity growth exposures rather than high‑yielding stocks.
Ongoing product costs
- Invesco PHLX Semiconductor ETF 0.19%
- Invesco S&P 500® Momentum ETF 0.13%
- 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) 0.07%
The weighted average ongoing fee (TER) across the ETFs is very low at about 0.07% per year. TER covers the fund’s management and operating costs, taken out daily in tiny slices, so you never see a separate bill. Over time, lower fees mean more of the portfolio’s gross return stays in the investor’s pocket instead of going to providers. This total cost level is well below typical active funds and even beats many index blends, which is a real strength here. Combined with broad exposure through the core holdings, the low‑cost structure provides a solid base for compounding, especially over long horizons where small differences in fees can add up significantly.
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