Strong US growth tilt with tech heavy holdings and room to sharpen diversification and efficiency

Report created on Apr 11, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is almost entirely in equities, with about a third in a broad S&P 500 ETF and another third in US growth and momentum funds. Smaller satellite positions target themes like semiconductors, defense, metals, and infrastructure, plus tiny allocations to gold and bitcoin. This structure leans heavily on large US companies, especially growth and tech, while keeping alternatives very small. A setup like this can work well for long-term capital growth but will swing meaningfully with equity markets. The main takeaway is that this is an equity-first, growth-oriented mix with a clear US large-cap core and numerous small satellites that tweak risk and return at the margin.

Growth Info

Over the recent period, $1,000 grew to about $1,514, a compound annual growth rate (CAGR) of 20.56%. CAGR is like your average speed on a road trip, smoothing out the bumps. That return outpaced both the US and global market benchmarks by about 3 percentage points per year, which is impressive. The flip side is a max drawdown of roughly -19.6%, meaning at one point the portfolio was about one-fifth below its peak. That’s similar to benchmark drawdowns and reflects equity-heavy risk. Only 13 days drove 90% of returns, showing results depended on a handful of strong sessions. Past performance is helpful context, but it doesn’t guarantee similar future outcomes.

Projection Info

The Monte Carlo projection tests many possible 15‑year paths using the portfolio’s historical behavior, like running 1,000 alternate timelines. It shows a median outcome of $2,821 from $1,000, with a wide “likely” range from about $1,800 to $4,283 and a more extreme $941 to $8,174 band. The average simulated annual return is 8.31%, with about a 73% chance of ending positive. These numbers illustrate both the growth potential and the uncertainty: equity-heavy portfolios can compound well, but outcomes vary a lot. Simulations rely on past volatility and correlations, so they’re just scenarios, not predictions. The key message is that patience and time horizon matter more than any single path.

Asset classes Info

  • Stocks
    99%
  • Other
    1%
  • Crypto
    1%

Roughly 99% of the portfolio is in stocks, with about 1% in “other” (like gold) and 1% in crypto. That’s much more aggressive than a classic “balanced” mix, which usually holds a meaningful chunk in bonds or cash-like assets to smooth volatility. Equities are the main long-term growth engine, but they also drive most drawdowns. The structure says growth is the priority, while defensive ballast is minimal. This can be fine for investors with long horizons and strong stomachs for swings, but it’s less ideal if shorter-term stability or predictable income is a key goal. The strong alignment with equity exposure is clear and intentional.

Sectors Info

  • Technology
    42%
  • Telecommunications
    10%
  • Industrials
    9%
  • Financials
    9%
  • Health Care
    8%
  • Consumer Discretionary
    7%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

Sector-wise, technology is dominant at about 42%, with additional exposure to telecom-like areas (10%) and a spread across industrials, financials, healthcare, and consumer sectors. Compared with broad global or US market benchmarks, this tech weight is meaningfully higher, boosted by concentrated themes like semiconductors and cybersecurity. Tech-heavy portfolios tend to benefit when growth stocks lead and interest rates are stable or falling, but they can be hit harder when rates rise or when investors rotate into more defensive or value-oriented areas. The good news is that non-tech sectors are still present across the board, giving some diversification; the tradeoff is clear dependence on the tech and digital economy narrative.

Regions Info

  • North America
    93%
  • Europe Developed
    3%
  • Japan
    1%
  • Asia Developed
    1%
  • Asia Emerging
    1%

Geographically, about 93% of the portfolio sits in North America, with small allocations to developed Europe, Japan, and other Asian markets. In common global benchmarks, the US is big but not this dominant, so this is a pronounced home-country tilt. Concentrating in one region means results will be heavily tied to US economic conditions, regulation, and the dollar. This has been favorable in the past decade, as US large caps outperformed many regions. The flip side is missing out if other areas lead for a stretch or if the dollar weakens. The advantage is simplicity and familiarity; the risk is less diversification across different economies and currencies.

Market capitalization Info

  • Mega-cap
    44%
  • Large-cap
    38%
  • Mid-cap
    15%
  • Small-cap
    2%
  • Micro-cap
    1%
  • No data
    1%

By market cap, the portfolio is anchored in mega- and large-cap stocks, which together make up over 80% of assets. Mid-caps provide a reasonable 15%, while small and micro-caps are only a few percent combined. That’s quite similar to broad equity benchmarks, which are naturally dominated by the biggest companies. Large firms often bring more stability, liquidity, and information coverage, while smaller companies can offer higher growth but bumpier rides. This structure means most risk and return will be driven by global giants rather than smaller niche players. It’s a solid, mainstream profile that aligns well with typical index-style exposure, with just a modest tilt toward mid-sized names.

True holdings Info

  • NVIDIA Corporation
    7.95%
    Part of fund(s):
    • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • VanEck Semiconductor ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Apple Inc
    5.42%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Microsoft Corporation
    4.90%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
    Direct holding 1.00%
  • Broadcom Inc
    3.33%
    Part of fund(s):
    • First Trust NASDAQ Cybersecurity ETF
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • VanEck Semiconductor ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Alphabet Inc Class A
    2.81%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Alphabet Inc Class C
    2.30%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Amazon.com Inc
    2.28%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Meta Platforms Inc.
    1.58%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Tesla Inc
    1.44%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Total World Stock Index Fund ETF Shares
  • Micron Technology Inc
    1.22%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Vanguard Information Technology Index Fund ETF Shares
    • Vanguard Value Index Fund ETF Shares
  • Top 10 total 33.21%

Looking through the ETFs, there is a notable concentration in a handful of mega-cap names: NVIDIA around 8%, Apple about 5.4%, Microsoft about 4.9% including your direct share, plus sizable stakes in Alphabet, Amazon, and Meta. Many of these appear repeatedly across different funds, which is classic “hidden overlap.” Because we only see ETF top-10 holdings, true overlap is likely higher. This matters because if those few tech and platform companies stumble together, the portfolio could feel it more than the fund list suggests. The takeaway is that diversification by ticker count is decent, but the underlying economic exposure is heavily clustered in a small group of US giants.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 97%
Size
Exposure to smaller companies
Neutral
Data availability: 99%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 95%
Quality
Preference for financially healthy companies
Neutral
Data availability: 95%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 99%

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 exposures are mostly in the neutral range, meaning the portfolio behaves broadly like the market on characteristics such as size, momentum, quality, yield, and low volatility. The one mild tilt is value at 40%, labeled “Low,” which suggests a slight lean away from traditional cheap-value names toward growthier stocks. Factor exposure is basically the mix of underlying “traits” driving performance. A mild anti-value skew fits with the strong tech and large-cap growth presence. This can help when growth leaders are in favor but may lag in periods when cheaper, more cyclical companies outperform. Overall, factor balance is fairly even, with no extreme bets beyond that light growth bias.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 33.00%
    29.2%
  • Invesco S&P 500® Momentum ETF
    Weight: 18.00%
    20.5%
  • Invesco NASDAQ 100 ETF
    Weight: 15.00%
    17.3%
  • Vanguard Information Technology Index Fund ETF Shares
    Weight: 8.00%
    11.0%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 7.00%
    8.0%
  • Top 5 risk contribution 86.0%

Risk contribution shows how much each holding adds to total portfolio ups and downs, not just how big it is. The top three positions—the S&P 500 ETF, S&P 500 Momentum ETF, and NASDAQ 100 ETF—are about two-thirds of total risk, roughly in line with their combined weight. More interesting is the tech index fund: at 8% weight, it contributes nearly 11% of risk, meaning it’s more “intense” than its size suggests. That reflects the inherent volatility of concentrated tech exposure. When thinking about tweaks, focusing on these large, higher-risk-contribution positions usually moves the needle more than adjusting tiny thematic slices. The core index and growth funds truly drive the ride.

Redundant positions Info

  • Vanguard Total International Stock Index Fund ETF Shares
    BNY Mellon International Equity ETF
    Vanguard International High Dividend Yield Index Fund ETF Shares
    High correlation
  • Invesco NASDAQ 100 ETF
    Vanguard S&P 500 ETF
    Vanguard Total World Stock Index Fund ETF Shares
    Vanguard Total Stock Market Index Fund ETF Shares
    Vanguard Information Technology Index Fund ETF Shares
    Schwab U.S. Large-Cap Growth ETF
    High correlation

Several holdings move almost identically, especially the big US index and growth funds. For example, the NASDAQ 100 ETF is highly correlated with the S&P 500 ETF, the US large-cap growth ETF, and the tech sector ETF. Likewise, the various total and international stock funds cluster closely. Correlation measures how assets move together; high correlation means that in a downturn, many holdings may fall at the same time, reducing diversification benefits. Having multiple funds with nearly identical patterns can still be fine, but it doesn’t add much “different” behavior. The diversification that matters most here comes from sector and style nuances, plus a bit from gold and international exposure.

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 has a Sharpe ratio of 0.93, meaning each unit of risk earns less extra return than possible with these same ingredients. The optimal mix on the efficient frontier shows a much higher Sharpe of 2.49 at similar risk, while the minimum-variance version offers lower risk with still-solid return. The efficient frontier is just the best combinations of what’s already here. Being about 24 percentage points below it suggests that reweighting—without adding new funds—could significantly improve risk-adjusted results. Historical estimates drive these numbers, so they aren’t guarantees, but they strongly indicate there’s room to tighten the mix and get more “return per unit of stress.”

Dividends Info

  • BNY Mellon International Equity ETF 3.30%
  • First Trust NASDAQ Cybersecurity ETF 0.60%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund 0.90%
  • Microsoft Corporation 0.90%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab International Dividend Equity ETF 3.40%
  • Global X Defense Tech ETF 0.30%
  • VanEck Semiconductor ETF 0.30%
  • Invesco S&P 500® Momentum ETF 0.80%
  • Visa Inc. Class A 0.80%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total World Stock Index Fund ETF Shares 1.70%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Value Index Fund ETF Shares 2.00%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 3.50%
  • SPDR® S&P Aerospace & Defense ETF 0.30%
  • SPDR® S&P Metals and Mining ETF 0.30%
  • Weighted yield (per year) 0.97%

The overall dividend yield is about 0.97%, which is relatively low and consistent with a growth- and tech-tilted equity mix. A few dedicated dividend funds and international high-yield strategies offer yields over 3%, but they’re small weights. Dividends can provide a smoother income stream and a cushion in flat markets, while growth stocks often reinvest earnings instead. Here, capital appreciation is clearly the main engine, not cash flow. For an investor who doesn’t need much current income and is more focused on long-term growth, this structure can make sense. Those wanting higher, steadier payouts would usually rely more heavily on dividend-focused or income-oriented assets.

Ongoing product costs Info

  • BNY Mellon International Equity ETF 0.04%
  • First Trust NASDAQ Cybersecurity ETF 0.59%
  • First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund 0.57%
  • iShares Gold Trust 0.25%
  • iShares Bitcoin Trust 0.12%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab International Dividend Equity ETF 0.14%
  • Global X Defense Tech ETF 0.50%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Vanguard International High Dividend Yield Index Fund ETF Shares 0.22%
  • SPDR® S&P Aerospace & Defense ETF 0.35%
  • SPDR® S&P Metals and Mining ETF 0.35%
  • Weighted costs total (per year) 0.09%

The weighted average total expense ratio (TER) of roughly 0.09% is impressively low, especially given the number of specialized ETFs. Core holdings like the Vanguard and Schwab funds are ultra-cheap, while higher-fee thematic funds are kept to small weights, keeping overall costs in check. Costs are like friction: every extra 0.1% per year quietly eats into compounding over decades. Being this close to the lowest-cost tier is a real strength and supports better long-run outcomes. When performance is driven mostly by market exposure rather than stock-picking skill, keeping fees minimal is one of the most reliable levers for preserving returns. This aspect of the portfolio is very well aligned with best practices.

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