Concentrated US stock portfolio with strong growth focus and balanced factor profile
Report created on May 26, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 40.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 30.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 30.00%
This portfolio is made up of three equity ETFs, all focused on US stocks, with no bonds or cash shown. Roughly 40% sits in a broad US large‑cap index, 30% in US small‑cap value companies, and 30% in a Nasdaq‑100 tracker tilted toward large tech and growth names. That mix creates a growth‑oriented structure with some diversification across company sizes and styles, but relatively low diversification across asset classes and regions. With everything in stocks, portfolio ups and downs will closely track equity markets. The combination of broad market, small value, and tech growth gives multiple return drivers, yet all within a single country and asset class.
Growth
From late 2020 to May 2026, a hypothetical $1,000 in this mix grew to about $2,520, a compound annual growth rate (CAGR) of 17.98%. CAGR is the “average yearly speed” of growth, smoothing out the bumps along the way. Over this period, the portfolio outpaced both the US market (15.96% CAGR) and the global market (13.78% CAGR). The worst peak‑to‑trough drop was around ‑24.4%, similar to US equities overall. It took about 9 months to bottom and 10 months to recover, showing typical equity‑level volatility. Only 29 days delivered 90% of total returns, underlining how a handful of strong days can dominate long‑term results.
Projection
The Monte Carlo projection uses past return and volatility patterns to simulate many possible 15‑year paths for $1,000. Think of it as running 1,000 alternate futures where returns are shuffled around according to historical behavior. The median outcome lands near $2,813, with a broad “likely” range from about $1,898 to $4,251. The widest band, from roughly $1,049 to $7,849, shows what could happen in more extreme scenarios. The overall average annualized return across simulations is 8.23%, lower than the historical period, reflecting a wide mix of good and bad paths. As always, these numbers are not forecasts—just illustrations based on what markets have done before, not what they must do next.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% shown in bonds, cash, or alternatives. That simplifies the structure but means returns are fully tied to equity market movements, without the usual dampening effect bonds or cash can provide. The growth‑oriented risk score (5/7) and low diversification rating reflect this single‑asset‑class focus. Compared with typical broad benchmarks that blend stocks and bonds, this portfolio is more exposed to market swings, both up and down. The upside is straightforward participation in equity growth; the trade‑off is that there’s little built‑in cushion if stock markets go through extended weak or volatile periods.
Sectors
- Technology 34%
- Consumer Discretionary 13%
- Financials 13%
- Telecommunications 10%
- Industrials 8%
- Energy 7%
- Health Care 6%
- Consumer Staples 5%
- Basic Materials 3%
- Utilities 1%
- Real Estate 1%
Sector exposure leans heavily toward technology at 34%, with Consumer Discretionary and Financials next at 13% each. Telecommunications at 10% and Industrials at 8% add further cyclical flavor, while traditionally defensive areas like Utilities and Real Estate sit around 1% each. This pattern is consistent with a portfolio that includes both a broad US index and a Nasdaq‑100 tracker, which are naturally tech‑rich. Sector balance is still reasonably broad across the economy, but growth‑sensitive areas are clearly in the driver’s seat. Tech‑heavy allocations can perform strongly in innovative or low‑rate environments, yet they may feel sharper swings when interest rates rise or sentiment shifts away from high‑growth companies.
Regions
- North America 99%
- Europe Developed 1%
- Latin America 1%
Geographic exposure is almost entirely in North America (99%), with only tiny slivers in developed Europe and Latin America. That means company revenues, earnings drivers, and currencies are all heavily linked to the US and its economic cycle, even though many large US firms operate globally. Compared with global benchmarks that spread across many regions, this is a distinctly home‑biased portfolio. When the US market outperforms, such a tilt can look very strong; when other regions lead, the portfolio may miss some of that upside. The low diversification score reflects this geographic concentration more than anything else.
Market capitalization
- Mega-cap 35%
- Large-cap 24%
- Small-cap 16%
- Micro-cap 14%
- Mid-cap 11%
By market capitalization, about 35% of the portfolio sits in mega‑caps and 24% in large‑caps, while the rest tilts meaningfully smaller: 11% mid‑cap, 16% small‑cap, and 14% micro‑cap. Market cap just means the total value of a company’s shares; mega‑caps are giants, micro‑caps are much smaller, often more volatile businesses. This distribution is more size‑balanced than a pure large‑cap index, largely thanks to the small‑cap value ETF. In practice, that can add diversification, as smaller companies often move differently from the very largest names, but it can also increase short‑term volatility, especially during market stress when smaller firms may swing more.
True holdings
-
NV NVIDIA Corporation 5.76%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.78%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.49%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.09%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.56%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.25%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.18%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.72%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.16%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
AM Advanced Micro Devices Inc 1.00%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 28.00%
Looking through the ETFs’ top 10 holdings, several large technology and internet companies—like NVIDIA, Apple, Microsoft, Amazon, and Alphabet—show up as notable combined positions. For example, NVIDIA alone accounts for around 5.76% of the overall portfolio through multiple ETFs, with other big names in the 2–5% range. This indicates some overlap between the S&P 500 and Nasdaq‑100 funds, which is expected given both track large US growth companies. Because this analysis only covers ETF top 10s, overlap is likely understated, but it still highlights that a handful of mega‑cap tech‑related firms represent a meaningful slice of the portfolio’s underlying economic exposure.
Factors
Factor exposure is broadly neutral across all six measured dimensions: value, size, momentum, quality, low volatility, and yield all sit in the 40–60% “market‑like” band. Factors are like the underlying “personality traits” of stocks that research links to long‑term returns and risk patterns. A strongly tilted portfolio might lean heavily into, say, value or momentum; this one doesn’t show big pushes in any direction. That suggests its overall behavior is likely to resemble the wider equity market rather than swinging with a specific factor theme. The presence of both small‑cap value and large‑cap growth funds seems to balance out, leaving a surprisingly even factor footprint despite the growth‑focused holdings.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 40.00% 34.9% -
Invesco NASDAQ 100 ETF
Weight: 30.00% 32.8% -
Avantis® U.S. Small Cap Value ETF
Weight: 30.00% 32.4%
Risk contribution shows how much each ETF drives total portfolio volatility, which can differ from its simple weight. Here, the S&P 500 ETF is 40% of the portfolio but contributes about 35% of overall risk, a bit less than its weight. The Nasdaq‑100 and small‑cap value ETFs are each 30% by weight yet contribute around 33% of risk apiece, slightly more than their weights. That pattern implies these two funds are a bit more volatile or less diversified relative to the broader index. Overall, risk is still fairly evenly shared across the three holdings, with no single ETF dominating the portfolio’s ups and downs.
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 optimization chart shows the current portfolio sitting on or very close to the efficient frontier. The efficient frontier is the curve of best possible returns for each risk level using just these three ETFs with different weights. The current Sharpe ratio—a measure of return per unit of risk, adjusted for a 4% risk‑free rate—is 0.78, compared with 0.95 for the maximum‑Sharpe mix and 0.92 for the minimum‑variance mix. Because the portfolio is already near the frontier, it’s using these holdings in a relatively efficient way. Any potential improvement in risk‑adjusted returns from reweighting appears modest rather than dramatic.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard S&P 500 ETF 1.00%
- Weighted yield (per year) 0.91%
The overall dividend yield of the portfolio is about 0.91%, with the broad S&P 500 ETF around 1.0%, the small‑cap value ETF about 1.3%, and the Nasdaq‑100 ETF at roughly 0.4%. Dividend yield is the income paid out as a percentage of current price; here it represents a small but steady part of total return. For a growth‑tilted US equity mix, a sub‑1% yield is quite typical, as many large tech and growth companies reinvest earnings instead of paying high dividends. In this structure, the main return engine is price appreciation rather than income, and dividends play more of a supporting role.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.13%
The weighted ongoing cost (TER) of the portfolio is about 0.13% per year, based on 0.03% for the S&P 500 ETF, 0.15% for the Nasdaq‑100 ETF, and 0.25% for the small‑cap value ETF. TER is the annual percentage fee charged by each fund to cover its operating costs, quietly taken out of returns. A total cost near 0.13% is impressively low for an all‑equity portfolio, especially one using a more specialized small‑cap value fund alongside broad indexes. Low costs support better long‑term compounding because less return is lost to fees each year, which is a clear strength of this setup.
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