High growth focused US stock portfolio with strong tech tilt and concentrated regional exposure
Report created on May 26, 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 20.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.00% -
SO iShares Semiconductor ETF
SOXX - US4642875235 10.00%
This portfolio is a four-ETF, all-equity mix tilted clearly toward US growth. Half is in a broad S&P 500 ETF, 20% in a US small-cap value ETF, 20% in a NASDAQ 100 ETF, and 10% in a semiconductor ETF. So while there is one diversified core fund, 50% is in more focused growth and small-cap segments. This structure matters because broad funds tend to smooth bumps, while narrower funds can amplify both gains and losses. The result is a growth-oriented, higher-risk profile with relatively low diversification across asset types and regions, which fits the given risk score of 5/7 and low diversification rating.
Growth
From late 2020 to May 2026, $1,000 grew to about $2,730, a compound annual growth rate (CAGR) of 19.68%. CAGR is like average speed on a long road trip, showing smoothed annual growth. That beat both the US market (15.96%) and global market (13.78%) by a solid margin. The portfolio’s max drawdown was -26.34%, similar to the benchmarks’ worst drops, showing it did fall hard at times. Recovery from the early‑2022 peak took about 14 months, which is typical for an aggressive equity mix. Only 31 days made up 90% of returns, underlining how a handful of strong days drove much of the long-term outcome.
Projection
The Monte Carlo projection uses 1,000 simulations to model many possible 15‑year paths for $1,000, based on historical return and volatility patterns. Think of it as rolling the dice on future markets repeatedly to see a range of outcomes, not a prediction of one exact path. The median outcome of $2,693 implies about 7.97% annualized across all simulations, with a wide “possible” range from roughly $1,003 to $7,700. This spread shows how uncertainty compounds over time. Importantly, past data feed these simulations, so they can illustrate risk and variability but can’t guarantee any specific future return.
Asset classes
- Stocks 100%
All of the portfolio sits in stocks, with 0% in bonds, cash, or alternative assets. Equities historically offer higher potential long-term returns but also larger and more frequent swings in value. That aligns with the “growth” risk classification and explains the relatively deep drawdowns. Compared with many blended portfolios that include bonds or cash, this structure puts all the risk and return on the equity engine. The upside is maximum participation in stock market growth; the tradeoff is that there is no built-in buffer from more defensive asset classes when markets fall across the board.
Sectors
- Technology 41%
- Financials 11%
- Consumer Discretionary 11%
- Telecommunications 9%
- Industrials 7%
- Health Care 6%
- Energy 5%
- Consumer Staples 5%
- Basic Materials 2%
- Utilities 1%
- Real Estate 1%
Sector-wise, the portfolio is heavily tilted to technology at 41%, with the semiconductor ETF and NASDAQ 100 exposure both amplifying that. Financials and consumer discretionary each sit at 11%, while telecom, industrials, health care, energy, staples, materials, utilities, and real estate take smaller slices. A tech-heavy mix tends to be more sensitive to interest rates, innovation cycles, and investor sentiment about growth stories. When tech is in favor, this kind of allocation can boost performance versus broader benchmarks. During periods when growth stocks lag or when rates rise quickly, volatility and drawdowns can be more pronounced.
Regions
- North America 98%
- Europe Developed 1%
- Asia Developed 1%
Geographically, the portfolio is extremely concentrated in North America at 98%, with just 1% each in developed Europe and developed Asia. So even though some ETFs hold global companies by business footprint, the stocks themselves are overwhelmingly listed and priced in the US market. That’s different from a global equity benchmark, which usually spreads more across regions. This strong home-region bias can be beneficial when US markets outperform but reduces diversification benefits when other regions do better. Currency risk is also mostly tied to the US dollar, which simplifies things but keeps everything dependent on one main economy.
Market capitalization
- Mega-cap 38%
- Large-cap 28%
- Mid-cap 13%
- Small-cap 11%
- Micro-cap 9%
By market capitalization, exposure is fairly broad but still anchored in bigger companies: 38% in mega-caps, 28% in large-caps, 13% in mid-caps, 11% in small-caps, and 9% in micro-caps. This spread reflects the mix of an S&P 500 core, a NASDAQ 100 growth slice, and a dedicated small-cap value fund. Larger companies typically bring more stability and liquidity, while smaller ones can be more volatile but offer different growth and value dynamics. This blend means the portfolio can participate in the relative resilience of giants while also capturing potential extra swings—both up and down—from smaller, less mature firms.
True holdings
-
NV NVIDIA Corporation 6.36%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
- iShares Semiconductor ETF
-
AA Apple Inc 4.69%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.47%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.04%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 3.04%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
- iShares Semiconductor ETF
-
GO Alphabet Inc Class A 2.56%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.13%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.55%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.54%
Part of fund(s):- Invesco NASDAQ 100 ETF
- iShares Semiconductor ETF
-
AM Advanced Micro Devices Inc 1.47%
Part of fund(s):- Invesco NASDAQ 100 ETF
- iShares Semiconductor ETF
- Top 10 total 29.85%
Looking through ETF top holdings, a handful of big names appear across multiple funds. NVIDIA (about 6.36% total), Apple (4.69%), Microsoft (3.47%), Amazon (3.04%), Broadcom (3.04%), and both Alphabet share classes are notable. This overlap creates hidden concentration: even if each ETF looks diversified alone, the same companies show up repeatedly. Because only top‑10 holdings are included, total overlap may be understated. The concentration in mega‑cap tech and related names helps explain both the strong historical returns and the higher sensitivity to that specific group’s fortunes, especially around earnings cycles, regulation, and sector sentiment.
Factors
Factor exposures—value, size, momentum, quality, yield, and low volatility—are all in the neutral band, sitting close to 50%. Factors are like investing “flavors” that explain why some stocks behave differently, such as being cheaper (value) or more stable (low volatility). Neutral readings mean the portfolio behaves broadly like the overall equity market on these dimensions rather than leaning strongly into any one style. Given the headline tilt toward growthy US tech and small caps, it’s notable that quantified factor scores still look balanced. This suggests that, beneath the surface, characteristics largely offset rather than pushing hard in one specific direction.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 42.3% -
Invesco NASDAQ 100 ETF
Weight: 20.00% 21.7% -
Avantis® U.S. Small Cap Value ETF
Weight: 20.00% 19.7% -
iShares Semiconductor ETF
Weight: 10.00% 16.3%
Risk contribution shows how much each ETF drives overall ups and downs, which can differ from weight. The S&P 500 ETF is 50% of the portfolio but contributes about 42.3% of risk, slightly less than proportional. The NASDAQ 100 (20% weight) contributes 21.7% of risk, and the small-cap value ETF (20%) adds 19.7%, both close to their sizes. The standout is the semiconductor ETF: 10% of the weight but 16.3% of total risk, reflecting sector volatility. Overall, the top three positions drive about 83.7% of portfolio risk, so most fluctuation comes from the broad and large growth exposures.
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 efficient frontier chart compares risk (volatility) with expected return using only the existing holdings. The current mix has a Sharpe ratio of 0.82, while the maximum-Sharpe allocation using the same ETFs reaches 1.03 with higher risk and return, and the minimum-variance blend lands at Sharpe 0.92 with lower risk. The Sharpe ratio is a way of measuring return per unit of risk above a risk-free rate. The portfolio sits on or very near the efficient frontier, meaning the current weights are already using these four funds in a risk‑return efficient way for the chosen risk level.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco NASDAQ 100 ETF 0.40%
- iShares Semiconductor ETF 0.30%
- Vanguard S&P 500 ETF 1.00%
- Weighted yield (per year) 0.87%
The portfolio’s overall dividend yield is relatively modest at about 0.87%. Yields vary by ETF: around 1.30% for the small-cap value fund, 1.00% for the S&P 500 ETF, and lower for the NASDAQ 100 and semiconductor funds (0.40% and 0.30%). Dividends are one component of total return, alongside price changes. In this case, most of the historical performance and expected future growth comes from capital appreciation rather than cash income. That’s consistent with a growth‑tilted equity portfolio: more of the underlying companies reinvest earnings instead of paying them out as dividends.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- iShares Semiconductor ETF 0.35%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.13%
The weighted average ongoing cost (TER) of the portfolio is low at about 0.13% per year. Individual ETF fees range from 0.03% for the S&P 500 fund up to 0.35% for the semiconductor fund, with the others in between. TER, or Total Expense Ratio, is like a built‑in management fee taken from fund assets annually. Over long horizons, lower costs help more of the portfolio’s gross return stay in place and compound. In this case, the cost level is impressively low for a mix that includes both broad market and more specialized, higher‑fee segments.
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