Growth focused stock portfolio with strong US tilt and efficient risk return balance
Report created on Apr 3, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
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FX Fidelity 500 Index Fund
FXAIX - US3159117502 55.00% -
IM iShares Morningstar Mid-Cap Growth ETF
IMCG - US4642883072 15.00% -
SP Invesco S&P 500 GARP ETF
SPGP - US46137V4317 15.00% -
VE Vanguard FTSE Developed Markets Index Fund ETF Shares
VEA - US9219438580 15.00%
The portfolio is 100% in stocks, split across four broad, low-cost funds. Just over half sits in a large US index fund, with the rest divided evenly between a US mid-cap growth ETF, a US growth-at-a-reasonable-price ETF, and a developed ex-US ETF. This creates a clear tilt toward US equities with a growth flavor, plus a meaningful slice of overseas developed markets. A structure like this is simple, transparent, and easy to maintain. The main implication is that returns and volatility will be driven almost entirely by global stock markets, with little built-in cushion from bonds or cash, which is appropriate only for investors comfortable with sizable ups and downs.
Growth
From 2016 to early 2026, $1,000 grew to about $3,415, which is a compound annual growth rate (CAGR) of 13.15%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. Compared with a broad US market benchmark, the portfolio slightly lagged by 0.78% per year but still beat the global market by 1.60% per year, which is a solid long-term result. The max drawdown of about -35% during early 2020 shows it can fall sharply in crises. This history is encouraging but not a guarantee; future returns can differ a lot from the past.
Projection
The Monte Carlo simulation projects how $1,000 might grow over 15 years by running 1,000 different “what if” market paths based on historical data. It shows a median outcome of about $2,733, with a wide but reasonable range from roughly $1,740 to $4,012 in the middle 50% of scenarios. The average annual return across simulations is 7.85%, and about 73% of paths end with a positive result. Monte Carlo is useful because it highlights ranges and probabilities rather than a single forecast, but it still leans heavily on the past. Real-world markets can be more extreme or quieter than the model suggests.
Asset classes
- Stocks 100%
All of the money is invested in stocks, with no allocation to bonds, cash, or alternative assets. Asset classes are broad buckets like equities, fixed income, and real assets, each behaving differently across market cycles. Being 100% in stocks maximizes growth potential but also exposes the portfolio fully to equity market risk. This structure often suits long horizons and higher risk tolerance but can be emotionally tough during deep drawdowns, when a mix including bonds would likely fall less. The positive side is that there’s no dilution of long-run equity returns; the trade-off is accepting sharper swings along the way without built-in stabilizers.
Sectors
- Technology 28%
- Financials 15%
- Industrials 14%
- Health Care 8%
- Telecommunications 8%
- Consumer Discretionary 6%
- Consumer Discretionary 6%
- Energy 4%
- Consumer Staples 4%
- Basic Materials 3%
- Real Estate 2%
- Utilities 2%
Sector exposure is led by technology at 28%, followed by financials and industrials, with smaller slices in health care, telecom, energy, and others. This is somewhat tech-leaning but still reasonably balanced relative to modern benchmarks, which often have substantial tech weight. Sector weights matter because different parts of the economy react differently to interest rates, inflation, and growth cycles. A tech-heavy tilt can boost returns during innovation booms but typically amplifies volatility when rates rise or growth expectations cool. The mix here offers growth participation without being a pure tech bet, which is a healthy balance for a growth-oriented equity portfolio.
Regions
- North America 86%
- Europe Developed 8%
- Japan 3%
- Asia Developed 2%
- Australasia 1%
Geographically, about 86% sits in North America, with the rest spread across developed regions such as Europe, Japan, and Australasia. That’s more US-tilted than a typical global equity benchmark, where North America usually makes up around 60%. Geographic concentration matters because economic conditions, policy changes, and currencies differ across regions. A strong US bias has been rewarded in the past decade but also means results are closely tied to one country’s corporate landscape and currency. The smaller overseas slice still adds diversification and exposure to other economies, but the portfolio’s fate is clearly anchored to how North American markets perform.
Market capitalization
- Mid-cap 34%
- Mega-cap 34%
- Large-cap 30%
- Small-cap 2%
Market capitalization exposure is split fairly evenly between mega-cap, large-cap, and mid-cap stocks, with only a tiny slice in small caps. Market cap refers to company size; mega-caps tend to be more stable giants, while mid-caps can be more dynamic but bumpier. This blend gives a nice mix of stability and growth potential, leaning neither exclusively into ultra-large “blue chips” nor into more volatile smaller companies. A balanced size profile like this often tracks broad market behavior while still giving room for faster-growing mid-sized firms to contribute. It’s a solid structure for someone seeking growth without excessive small-cap risk.
True holdings
-
RC Royal Caribbean Cruises Ltd 0.50%
Part of fund(s):- Invesco S&P 500 GARP ETF
- iShares Morningstar Mid-Cap Growth ETF
-
HS Host Hotels & Resorts Inc 0.40%
Part of fund(s):- Invesco S&P 500 GARP ETF
-
NV NVIDIA Corporation 0.38%
Part of fund(s):- Invesco S&P 500 GARP ETF
-
DA Delta Air Lines Inc 0.36%
Part of fund(s):- Invesco S&P 500 GARP ETF
-
MP Monolithic Power Systems Inc 0.34%
Part of fund(s):- Invesco S&P 500 GARP ETF
-
UB Uber Technologies Inc 0.34%
Part of fund(s):- Invesco S&P 500 GARP ETF
-
AB Airbnb Inc 0.33%
Part of fund(s):- Invesco S&P 500 GARP ETF
-
SS Samsung Electronics Co Ltd 0.33%
Part of fund(s):- Vanguard FTSE Developed Markets Index Fund ETF Shares
-
TP Texas Pacific Land Trust 0.32%
Part of fund(s):- Invesco S&P 500 GARP ETF
-
BK Baker Hughes Co 0.32%
Part of fund(s):- Invesco S&P 500 GARP ETF
- Top 10 total 3.62%
The look-through data only covers a small slice of the portfolio, but a few themes pop out. Several holdings are in travel, leisure, and transportation businesses like cruise lines, airlines, and hospitality, as well as cyclical technology and energy-related names. These appear through multiple ETFs rather than as direct positions, which means hidden concentration is modest but still present in certain industries. Because only ETF top-10 holdings are captured, actual overlap is probably higher than shown. The practical takeaway is that, even with broad funds, some underlying companies and cyclical areas can drive more of the ride than their tiny weights might suggest.
Factors
Factor exposure is broadly neutral across value, size, momentum, quality, and low volatility, meaning the portfolio behaves a lot like the overall market on these dimensions. Factor investing focuses on characteristics like cheapness (value), trend-following (momentum), or stability (low volatility) that research links to long-term returns. The only notable tilt is a lower yield factor, consistent with growth-oriented holdings that pay smaller dividends. A neutral factor profile is actually a strength: it suggests there’s no big hidden bet on one style that could strongly help or hurt in certain environments. The portfolio should track broad market patterns rather than swing with specific factor cycles.
Risk contribution
-
Fidelity 500 Index Fund
Weight: 55.00% 54.5% -
Invesco S&P 500 GARP ETF
Weight: 15.00% 16.8% -
iShares Morningstar Mid-Cap Growth ETF
Weight: 15.00% 16.0% -
Vanguard FTSE Developed Markets Index Fund ETF Shares
Weight: 15.00% 12.8%
Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from its dollar weight. Here, the big US index fund is 55% of assets and contributes about 54% of risk, so its influence is almost exactly proportional. The two US growth-tilted ETFs each contribute slightly more risk than their 15% weights, reflecting their somewhat higher volatility, while the developed ex-US ETF contributes slightly less. The top three positions together drive about 87% of total risk, which is expected given their combined size. If desired, adjusting these weights is the main lever for changing 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–return chart shows the portfolio sitting right on or very near the efficient frontier. The efficient frontier is the curve of best possible returns for each risk level using the current set of holdings. The current Sharpe ratio of 0.56 (a measure of return per unit of risk, after adjusting for the risk-free rate) is solid but below the maximum Sharpe portfolio at 0.76. However, the gap is modest, and risk levels are similar. This means the existing allocation is already quite efficient; any fine-tuning would be about modestly improving risk-adjusted returns rather than fixing a major imbalance.
Dividends
- Fidelity 500 Index Fund 1.20%
- iShares Morningstar Mid-Cap Growth ETF 0.80%
- Invesco S&P 500 GARP ETF 1.00%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 2.90%
- Weighted yield (per year) 1.36%
The overall dividend yield is about 1.36%, with the overseas developed ETF offering the highest yield and the US growth-tilted funds paying less. Dividend yield is the annual income paid out as a percentage of price, like rent on a property. A lower yield is typical for growth-focused portfolios, where companies reinvest more profits rather than returning cash to shareholders. For investors prioritizing long-term capital growth over near-term income, this setup fits well. Those looking for substantial cash flow from their investments would likely need either a different mix or to plan on selling small portions periodically to generate income.
Ongoing product costs
- Fidelity 500 Index Fund 0.02%
- iShares Morningstar Mid-Cap Growth ETF 0.06%
- Invesco S&P 500 GARP ETF 0.34%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.08%
The total expense ratio (TER) for the portfolio is a very low 0.08% per year, with the cheapest fund at 0.02% and the priciest still modest at 0.34%. TER is the annual fee charged by funds, quietly deducted in the background. Over decades, costs compound just like returns, so keeping them low is a big advantage. This cost profile is impressively lean and closely aligned with best practices for long-term investing. It means more of the portfolio’s gains stay in your pocket rather than going to fund managers, which supports better outcomes without requiring any extra risk or complexity.
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