Strong US growth portfolio with heavy technology exposure and efficient risk adjusted performance
Report created on Sep 5, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 50.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 20.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 10.00%
This portfolio is built entirely from four low-cost equity ETFs, with a clear tilt toward US large‑cap growth. Half the allocation sits in a broad US index, a further slice in US technology, another in international stocks, and the remainder in a focused US growth fund. This structure keeps things relatively simple while leaning heavily on a single asset class: global stocks. That matters because all returns and risks ultimately come from equity markets, without bonds or cash to dampen volatility. The mix shows a strong core‑satellite style: a broad market core surrounded by more growth‑oriented satellites, which can amplify both upside and downside compared with a plain broad‑market blend.
Growth
Historically, a $1,000 investment grew to about $4,881 over the period, implying a 17.23% compound annual growth rate (CAGR). CAGR is like your average speed on a long road trip, smoothing out bumps along the way. This comfortably beat both the US market at 15.28% and the global market at 12.61%. The portfolio’s worst peak‑to‑trough fall, or max drawdown, was around −33%, very similar to the benchmarks. That means the extra return came without noticeably deeper crashes. However, 90% of gains arrived in only 40 days, highlighting how a handful of strong market days drove most of the long‑term result.
Projection
The Monte Carlo projection uses the portfolio’s past risk and return to simulate many possible 15‑year futures, like running 1,000 alternate timelines. The median outcome turns $1,000 into about $2,745, with a central “likely” range from roughly $1,676 to $4,159. There’s a wide possible band, from around $923 to $7,725, showing how uncertain long‑term equity outcomes can be. The average simulated annual return is 8.04%, lower than recent history, which is common when models factor in volatility. These are statistical what‑ifs, not predictions; real markets can deliver better or worse paths, and past patterns don’t guarantee similar future behavior.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with 0% in bonds, cash, or alternatives. That makes it a pure equity growth portfolio, fully exposed to stock market cycles. Equity‑only portfolios typically see bigger swings in value compared with mixes that include more stable assets, but they also capture more of the long‑term growth that companies generate. Compared with a global “balanced” mix, which might hold a sizable bond allocation, this approach focuses on capital appreciation rather than smoothing returns. The absence of other asset classes means diversification happens within equities only, not across fundamentally different return drivers like fixed income or real assets.
Sectors
- Technology 47%
- Financials 12%
- Industrials 8%
- Consumer Discretionary 8%
- Telecommunications 7%
- Health Care 7%
- Consumer Staples 3%
- Energy 3%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector exposure is clearly tilted toward technology at 47%, nearly half the portfolio, with the rest spread across financials, industrials, consumer areas, telecoms, health care, and smaller slices elsewhere. Compared with broad global benchmarks, where technology is significant but usually not this dominant, this is a meaningful overweight. That can be powerful during periods when innovation and digital businesses lead markets, as seen in recent years. On the flip side, tech‑heavy portfolios can feel sharper drawdowns when interest rates rise or when growth expectations cool. The more modest allocations to defensives like staples and utilities mean there’s less built‑in cushioning from traditionally steadier sectors.
Regions
- North America 81%
- Europe Developed 7%
- Asia Developed 3%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
Geographically, about 81% of the equity exposure is in North America, mainly the US, with the rest spread across developed Europe, Japan, other developed Asia, emerging Asia, and a small slice in other regions. This is more US‑concentrated than global equity benchmarks, where the US is large but not this dominant. A strong US tilt has helped over the last decade as US growth companies outperformed many other markets. The trade‑off is that portfolio fortunes are closely tied to the US economy, corporate earnings, and dollar movements. The international allocation still adds some diversification but doesn’t fully balance the home‑market emphasis.
Market capitalization
- Mega-cap 49%
- Large-cap 31%
- Mid-cap 16%
- Small-cap 3%
- Micro-cap 1%
By market capitalization, the portfolio leans heavily into the largest companies: roughly half in mega‑caps, about a third in large‑caps, and only a small slice in mid‑, small‑, and micro‑caps combined. Market cap measures a company’s size, similar to a company’s overall “weight” in the market. This structure is close to how cap‑weighted indexes look, where the biggest firms dominate. Large and mega‑caps often bring more stability and liquidity than smaller companies, but they also concentrate exposure in well‑known giants. The modest small‑cap stake means less exposure to the sometimes higher‑growth, higher‑volatility segment of the equity universe.
True holdings
-
NV NVIDIA Corporation 8.28%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc. 7.46%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 5.09%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.58%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.31%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.02%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.77%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.61%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.21%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 0.92%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 33.25%
Looking through the ETFs’ top holdings, the largest underlying positions are familiar US tech and growth names like NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet, Meta, Tesla, and Micron. Several of these appear across multiple ETFs, which creates overlap: for example, Apple and Microsoft show up in broad US, tech, and growth funds. This kind of repetition can lead to hidden concentration, where an individual company’s moves sway the portfolio more than any single ETF weight suggests. Coverage is only based on ETF top‑10s, so actual overlap may be higher, but even this partial view shows a strong clustering in a handful of mega‑cap leaders.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility sits in a neutral, market‑like range. Factors are characteristics that help explain returns, like whether stocks are cheap (value) or fast‑rising (momentum). A neutral reading around 50% suggests the portfolio doesn’t lean strongly toward or away from any of these styles overall. That aligns with its backbone of large, broad‑market index funds. In practice, this means behavior is likely to resemble the wider equity market’s mix of drivers rather than being dominated by a specific tilt. Performance should be influenced more by sector and regional choices than by factor bets.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 47.4% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 20.00% 25.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.00% 16.0% -
Schwab U.S. Large-Cap Growth ETF
Weight: 10.00% 11.2%
Risk contribution shows how much each ETF adds to overall ups and downs, which can differ from simple weights. The core S&P 500 holding is 50% of the portfolio and contributes about 47% of total risk, very proportional. The dedicated tech ETF is 20% of assets but about 25% of risk, indicating it’s somewhat more volatile than the average holding. The international fund contributes slightly less risk than its weight, while the growth ETF is just a bit more. Overall, the top three positions drive nearly 89% of portfolio risk, so most volatility is effectively coming from a small set of broad, growth‑heavy US and global exposures.
Redundant positions
-
High correlationSchwab U.S. Large-Cap Growth ETFVanguard S&P 500 ETFVanguard Information Technology Index Fund ETF Shares
Correlation describes how investments move relative to one another, from +1 (moving together) to −1 (moving opposite). Here, the US growth ETF is highly correlated with both the tech ETF and the S&P 500 ETF, meaning they tend to rise and fall in similar patterns. That’s not surprising given their shared focus on large US growth companies. While this alignment can reinforce strong returns when that segment leads, it also limits diversification benefits when US growth stocks struggle. In a downturn centered on those names, several of the portfolio’s building blocks may decline in tandem, rather than offsetting one another.
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‑versus‑return chart, the current portfolio sits on or very close to the efficient frontier, which is the curve representing the best expected return for each level of risk given these holdings. Its Sharpe ratio, a measure of return per unit of volatility, is 0.69, compared with 0.96 for the theoretical optimal mix and 0.67 for the minimum‑risk mix. Being near the frontier suggests that, for this particular set of ETFs, the weights already use risk quite effectively. Any potential improvement would come from fine‑tuning allocations among the same funds rather than needing entirely different building blocks.
Dividends
- Schwab U.S. Large-Cap Growth ETF 0.40%
- Vanguard Information Technology Index Fund ETF Shares 0.40%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.50%
- Weighted yield (per year) 1.12%
The portfolio’s overall dividend yield is around 1.12%, with the highest yield coming from the international ETF and lower yields from the US growth and tech‑focused funds. Dividend yield is the annual cash payout as a percentage of price, like rent from owning shares. This level is modest and typical for growth‑tilted portfolios that prioritize reinvested profits and expansion over high current payouts. As a result, most of the historical and expected return here is driven by price changes and earnings growth rather than income. Investors relying on cash flow would see this as a secondary, not primary, source of returns.
Ongoing product costs
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
Costs are a clear strength. The total expense ratio (TER) across the four ETFs averages about 0.05% per year, with individual funds ranging from 0.03% to 0.10%. TER is the annual fee charged by a fund, similar to a small maintenance cost on your investment. These levels are significantly below typical active fund fees and even many index products, which helps more of the portfolio’s gross return show up in your net result. Over long horizons, keeping fees this low can meaningfully support compounding. In short, the portfolio’s cost structure is impressively lean and well‑aligned with best practices for efficient investing.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
Compare your holdings
How much do the funds you hold actually overlap with the ones people weigh them against?
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey