Concentrated growth portfolio with strong technology and crypto themes alongside broad global index exposure
Report created on Jul 1, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 34.29% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 23.60% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 17.38% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 10.16% -
IB iShares Bitcoin Trust
IBIT - US46438F1012 7.90% -
NV NVIDIA Corporation
NVDA - US67066G1040 6.67%
This portfolio combines broad index building blocks with a few strong “spice” positions. Around a third sits in a total US stock market ETF, and nearly a quarter in a total international ETF, giving wide equity coverage in one step. On top, there is a sizable U.S. small-cap value ETF, a focused semiconductor ETF, a direct NVIDIA position, and a dedicated Bitcoin trust. This mix means most of the money tracks broad markets, but overall behavior will lean heavily on a few concentrated growth and crypto positions. Structurally, it’s a classic “core and satellite” setup: a diversified core wrapped with higher-risk, higher-upside satellites that can move the needle more dramatically.
Growth
Over the measured period, $1,000 grew to $1,887, implying a compound annual growth rate (CAGR) of 29.72%. CAGR is the “average speed” of growth per year, smoothing out the bumps along the way. This comfortably beat both the US market and global market, which were around 21% per year. The trade-off is a deeper maximum drawdown of -22.23%, compared with roughly -17% to -19% for the benchmarks. That drawdown recovered in about two months, but it illustrates the bumpier ride. Also, just 19 days made up 90% of returns, showing performance depended heavily on a handful of strong days, a common pattern in concentrated growth and crypto-heavy portfolios.
Projection
The Monte Carlo simulation looks forward 15 years by remixing patterns from historical data to create 1,000 plausible futures. It’s like running many “what if” market paths to see a range of outcomes, not a single prediction. The median path turns $1,000 into about $2,905, with a central band from roughly $1,882 to $4,561. The wide possible range, from about $978 to $8,706, highlights how uncertain long-term outcomes can be, especially for growth-tilted portfolios. An average simulated return of 8.68% per year is solid, but the 76.3% chance of ending positive also reminds that roughly one in four simulations ends flat or negative, underlining that risk never fully disappears.
Asset classes
- Stocks 92%
- Crypto 8%
By asset class, the portfolio is 92% stocks and 8% crypto, with no bonds or cash-like holdings in the mix. That strong tilt toward growth assets means returns are driven mainly by equity markets and Bitcoin’s behavior, rather than by income or capital preservation assets. Compared with many multi-asset benchmarks that mix in bonds, this allocation is more aggressive and more sensitive to market swings, both up and down. The crypto slice adds another layer of risk and potential return that is largely independent of traditional income streams. This setup is clearly focused on capital growth rather than stability, income, or downside cushioning from fixed income.
Sectors
- Technology 34%
- Financials 14%
- Industrials 10%
- Consumer Discretionary 9%
- Crypto 8%
- Health Care 6%
- Energy 5%
- Telecommunications 5%
- Consumer Staples 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Sector-wise, technology stands out at 34%, boosted by the semiconductor ETF and NVIDIA position. Financials, industrials, and consumer discretionary form meaningful but smaller slices, while health care, energy, telecoms, staples, materials, utilities, and real estate each have modest representation. Crypto sits separately at 8%, behaving very differently from typical sectors. Compared with broad market benchmarks, this is noticeably more tech-heavy and more exposed to a single high-growth theme. Tech and semiconductors often benefit in innovation-driven booms but can be especially sensitive to rate changes and shifts in demand cycles. That concentration helps explain the strong past performance but also suggests that sector-specific news can move the overall portfolio quite sharply.
Regions
- North America 68%
- Europe Developed 9%
- Asia Developed 5%
- Japan 4%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, about 68% of exposure sits in North America, with Europe developed at 9%, Japan and developed Asia adding another 9%, and smaller slices across emerging Asia, Latin America, and Africa/Middle East. This lines up broadly with global equity benchmarks, which also lean heavily toward North America, so the regional mix is fairly aligned with world market weights. That alignment is a positive sign for diversification, as it spreads risk over multiple economies and currencies rather than betting heavily on one smaller region. However, with the tech and semiconductor emphasis, real economic exposure may still be more tied to a handful of global supply chains, even if the country labels look diversified.
Market capitalization
- Mega-cap 37%
- Large-cap 22%
- Small-cap 12%
- Mid-cap 11%
- Micro-cap 9%
This breakdown covers the equity portion of your portfolio only.
The market-cap breakdown shows 37% in mega-caps and 22% in large-caps, but also meaningful exposure to smaller companies: 11% mid-cap, 12% small-cap, and 9% micro-cap. Market cap simply reflects company size; mega-caps are giants, while micro-caps are the smallest listed firms. Compared with a pure cap-weighted global index, this portfolio has a somewhat stronger tilt to smaller stocks, mainly through the U.S. small-cap value ETF and some broader index holdings. Smaller companies often have higher growth potential but can be more volatile and sensitive to economic cycles. This spread across sizes adds another dimension of diversification but also contributes to the portfolio’s overall riskiness.
True holdings
-
Part of fund(s):
- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
BT Grayscale Bitcoin Mini Trust (BTC) 7.90%
Part of fund(s):- iShares Bitcoin Trust
-
AA Apple Inc. 2.16%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.62%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 1.58%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 1.31%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 1.23%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.05%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Taiwan Semiconductor Manufacturing 0.94%
Part of fund(s):- VanEck Semiconductor ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.93%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 29.16%
This breakdown covers the equity portion of your portfolio only.
Looking through the ETFs, NVIDIA stands out as a key overlapping holding, reaching a total of 10.44% of the portfolio when combining the direct stock and ETF exposures. That level is sizeable for a single company and means NVIDIA’s price moves can noticeably drive overall portfolio performance. Bitcoin exposure via the trust is also concentrated at 7.90%. Other large underlying names like Apple, Broadcom, Microsoft, Micron, Amazon, Alphabet, and TSMC each sit around 1–2%, mainly via ETFs. Because only ETF top-10 holdings are captured, actual overlap is likely somewhat higher than shown, but even this partial view already highlights a meaningful tilt toward a small group of large tech and semiconductor names.
Factors
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 exposure across value, size, momentum, quality, yield, and low volatility shows readings clustered close to 50%, which is labeled as neutral. Factor exposure is like checking which “personality traits” of stocks you lean into, based on patterns academics have linked to returns over decades. Here, no factor stands out as a strong tilt either toward or away from the market average. That means, despite the tech and crypto themes, the underlying equity holdings behave broadly like the market on these classic factors. This balanced pattern can be helpful because the portfolio isn’t overly dependent on any single systematic style, such as deep value or high momentum, for its long-term behavior.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 34.29% 27.2% -
VanEck Semiconductor ETF
Weight: 10.16% 17.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 23.60% 16.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 17.38% 14.9% -
NVIDIA Corporation
Weight: 6.67% 12.4% - Top 5 risk contribution 87.9%
Risk contribution data shows how much each holding drives overall ups and downs, which can differ from simple weights. The total US stock ETF is 34.29% of the portfolio but only 27.18% of risk, so it actually dampens volatility relative to its size. In contrast, the semiconductor ETF is 10.16% of the weight yet 17.43% of risk, and NVIDIA at 6.67% weight contributes 12.41% of risk. Both have risk/weight ratios well above 1, meaning they punch above their weight in volatility. The top three holdings together account for 60.56% of portfolio risk, indicating that a few positions, especially the growth satellites, largely determine how bumpy the ride feels.
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 vs. return chart compares the current mix with an “efficient frontier” built only from these existing holdings. The Sharpe ratio, which measures return per unit of risk above the risk-free rate, is 1.2 for the current portfolio. The minimum-variance mix of the same assets has a Sharpe of 1.27, and the max-Sharpe mix reaches 1.59. The current allocation sits about 3 percentage points below the efficient frontier at its risk level, suggesting that, historically, a different blend of these same holdings could have delivered better risk-adjusted returns. This doesn’t mean the present mix is bad; it just shows there is theoretical room for improvement through reweighting alone, without adding new securities.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- NVIDIA Corporation 0.10%
- VanEck Semiconductor ETF 0.20%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.24%
The overall dividend yield of about 1.24% is modest, with the main income coming from the international ETF at 2.60% and the US total market ETF at 1.10%. The small-cap value ETF also adds a bit at 1.30%. NVIDIA, the semiconductor ETF, and Bitcoin contribute little to no yield, emphasizing growth rather than income. Dividend yield measures how much cash you get each year relative to the portfolio’s value, like rent from a property. Here, capital appreciation is clearly doing most of the heavy lifting, while dividends provide a small but steady contribution. For a growth-oriented structure, this low-to-moderate income level is broadly consistent with expectations.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- iShares Bitcoin Trust 0.12%
- VanEck Semiconductor ETF 0.35%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.11%
The weighted total expense ratio (TER) comes in around 0.11%, which is impressively low for a portfolio that includes both broad index funds and specialized ETFs. TER is the annual fee charged by funds, expressed as a percentage of assets, and it quietly chips away at returns over time. The core Vanguard funds are extremely cheap at 0.03% and 0.05%, while the small-cap value and semiconductor ETFs cost more, but only on smaller slices of the portfolio. Keeping overall costs this low is a strong structural advantage, because every dollar not spent on fees stays invested and compounds over the years, especially important in a long-term, growth-focused portfolio.
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