Growth focused US heavy stock portfolio with tech tilt and efficient risk adjusted positioning

Report created on Apr 14, 2026

Risk 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

The portfolio is made up of 100% stock ETFs, with half in a broad S&P 500 fund and the rest tilted toward large US growth and a slice of emerging markets. This creates a clear growth-oriented structure rather than a mix of stocks and bonds. That matters because all the ups and downs are driven by the stock market, without the stabilizing effect of fixed income. The broad US and total market funds provide a solid core, while the two NASDAQ 100 products amplify exposure to fast‑growing companies. The main takeaway is a simple, focused, equity-only setup that’s easy to understand but will feel the full impact of equity market cycles.

Growth Info

From late 2020 to early 2026, $1,000 grew to about $2,045, giving a compound annual growth rate (CAGR) of 13.98%. CAGR is the “average yearly speed” of growth over the whole period, smoothing out the bumps. This slightly trailed the US market benchmark but beat the global market, which is a solid outcome for a US‑tilted portfolio. The worst drop, or max drawdown, was about -28%, deeper than day‑to‑day noise and long enough to test patience. The main lesson is that returns have been strong but came with real volatility, and future results can differ a lot from this past window.

Projection Info

The Monte Carlo projection uses historical return and volatility patterns to simulate thousands of possible 15‑year paths for $1,000. Think of it as rolling the market dice 1,000 times using past behavior as a guide, not a prophecy. The median outcome around $2,716 suggests decent growth, with a wide “likely” range from roughly $1,755 to $4,197. There’s also a real chance of ending near flat or below, as shown by the $965 level at the 5th percentile. The key point is that outcomes spread widely over long periods, so planning should assume a range, not a single number, and remember that history might not repeat.

Asset classes Info

  • Stocks
    100%

All of the portfolio sits in stocks, with no bonds, cash-like instruments, or alternatives. That’s simple and keeps expected long‑term returns higher than a mixed portfolio, since stocks historically have outpaced bonds over long horizons. But it also means there’s no built‑in cushion when markets drop; everything tends to move more in sync on the downside. For a “balanced” risk profile, this is on the aggressive side in terms of asset mix. The main takeaway is that anyone using this structure should be comfortable with substantial swings in value and ideally be investing with a long multi‑year horizon rather than short‑term needs.

Sectors Info

  • Technology
    38%
  • Telecommunications
    12%
  • Consumer Discretionary
    11%
  • Financials
    9%
  • Health Care
    8%
  • Industrials
    7%
  • Consumer Staples
    6%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

Sector-wise, the portfolio leans heavily into technology and related areas, with tech alone near 38% and meaningful weight in telecom and consumer discretionary. This is more growth and innovation‑oriented than a plain broad‑market mix, where tech is significant but not quite as elevated. In good times for innovation and digital trends, this can boost returns, as recent years have shown. But when interest rates rise or sentiment turns against growth stocks, these sectors can fall faster than the wider market. The positive side is strong participation in long‑term growth themes; the trade‑off is accepting sharper sector-driven swings.

Regions Info

  • North America
    89%
  • Asia Emerging
    5%
  • Asia Developed
    3%
  • Africa/Middle East
    1%
  • Latin America
    1%
  • Europe Developed
    1%

Geographically, the portfolio is very US‑centric, with about 89% in North America and a small slice in emerging and other regions. This aligns well with a US investor’s home bias and has been rewarded over the last decade, as US stocks generally outperformed many other markets. The 10% or so in emerging markets adds a bit of diversification and access to different growth drivers, but it’s modest compared to global benchmarks where non‑US markets make up a larger share. The key implication is that economic, policy, or currency shocks in the US will strongly shape overall portfolio performance.

Market capitalization Info

  • Mega-cap
    47%
  • Large-cap
    34%
  • Mid-cap
    16%
  • Small-cap
    1%

By market cap, almost half the exposure is in mega‑cap companies, with most of the rest in large caps and only small amounts in mid and small caps. This is pretty close to how broad US indices look, and it tends to reduce company‑specific risk because the giants are usually more established, profitable, and closely followed. At the same time, smaller companies can sometimes offer higher growth and behave differently across cycles. Here, the tilt toward mega and large caps supports stability relative to a small‑cap-heavy approach, but it also means the portfolio leans on big incumbents rather than up‑and‑coming businesses.

True holdings Info

  • NVIDIA Corporation
    6.90%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    6.13%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    4.53%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    3.51%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    2.89%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    2.51%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    2.49%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    2.44%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    2.14%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.27%
    Part of fund(s):
    • Vanguard FTSE Emerging Markets Index Fund ETF Shares
  • Top 10 total 34.79%

Looking through the ETFs’ top holdings, a big chunk of exposure clusters in a handful of mega‑cap tech and growth names like NVIDIA, Apple, Microsoft, Amazon, and Alphabet. Many of these appear in multiple ETFs, creating hidden concentration even though each fund looks diversified on its own. Because only top‑10 holdings are captured, this overlap is actually a lower bound. This matters because when these few giants move, they can drive the whole portfolio more than the simple ETF list suggests. The takeaway: diversification across funds is good, but underlying company overlap means risk is more tied to a small group of leaders than it might appear.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure is broadly neutral across all six major dimensions: value, size, momentum, quality, low volatility, and yield. Factors are like investing “ingredients” that explain why certain stocks behave the way they do over time. Being near neutral suggests this portfolio behaves a lot like the overall market, without strong tilts toward cheap stocks, smaller companies, or high dividends, for example. That’s actually a strength for someone seeking broad, market‑like exposure without trying to time styles or themes. The takeaway is that performance will mainly track general equity conditions rather than relying on any one factor bet to work out.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 50.00%
    46.4%
  • Invesco QQQ Trust
    Weight: 20.00%
    24.6%
  • Invesco NASDAQ 100 ETF
    Weight: 10.00%
    12.2%
  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 10.00%
    9.6%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares
    Weight: 10.00%
    7.2%

Risk contribution shows how much each holding drives the portfolio’s total volatility, and it doesn’t always match the weight. Here, the top three ETFs—S&P 500, QQQ, and the NASDAQ 100 ETF—make up 80% of the allocation but over 83% of the risk. The two NASDAQ funds punch above their weights, each contributing more risk than their share because they hold more volatile growth names. The emerging markets ETF, despite being 10%, adds less risk than that. The main takeaway is that tweaks to the growth-heavy pieces would move overall risk more than changes to the more diversified core funds.

Redundant positions Info

  • Invesco QQQ Trust
    Invesco NASDAQ 100 ETF
    High correlation
  • Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The correlation data shows that QQQ and the NASDAQ 100 ETF move almost identically, and the S&P 500 ETF and total US market ETF are also very tightly linked. Correlation just means how much two investments tend to move together; when it’s high, they rarely offset each other in rough markets. Holding both pairs doesn’t add much diversification beyond what one fund in each pair already provides. This is not “bad,” but it does mean that during a tech or US market downturn, these positions are likely to drop at nearly the same time and magnitude, limiting the smoothing effect diversification usually brings.

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.

On the risk‑return chart, the current portfolio sits right on or very near the efficient frontier, meaning it’s using its existing holdings in a smart way. The Sharpe ratio—risk‑adjusted return—of 0.6 is decent, while the theoretical “optimal” mix of these same ETFs could lift that to 0.84 with slightly lower risk. The minimum‑variance mix would cut risk further but also reduce expected return. Since the current allocation is close to the frontier, there’s no sign of major inefficiency. The key takeaway is that, for this particular group of funds, the weights are already doing a strong job for the chosen risk level.

Dividends Info

  • Invesco QQQ Trust 0.50%
  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.50%
  • Weighted yield (per year) 1.06%

The overall dividend yield is around 1.06%, with a bit more income coming from the emerging markets fund and less from the growth‑heavy NASDAQ ETFs. Dividend yield is the annual cash payout as a percentage of the investment and can be helpful for investors who like steady income. Here, the profile is clearly growth‑oriented: most of the expected return is intended to come from price appreciation, not cash distributions. That lines up with the strong exposure to large US growth names. For someone focusing on long‑term wealth building rather than immediate income, this low‑to‑moderate yield is quite reasonable.

Ongoing product costs Info

  • Invesco QQQ Trust 0.20%
  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.08%

The blended total expense ratio (TER) for the portfolio is about 0.08%, which is impressively low. TER is the annual fee charged by a fund and taken out of returns; lower costs mean more of the market’s performance ends up in your pocket. The core Vanguard funds are extremely cheap, and even the QQQ and NASDAQ 100 ETF carry reasonable fees for what they offer. Over many years, this fee level can make a meaningful difference versus more expensive options. From a cost standpoint, this setup is very well aligned with best practices for long‑term, index‑based investing.

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