Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

Growth focused stock portfolio with strong technology tilt and historically high returns but concentrated risk

Report created on Aug 11, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is dominated by actively managed stock mutual funds, with a smaller slice in ETFs, and a very light bond allocation. The four largest mutual funds together make up over 60% of the portfolio, creating a clear core surrounded by a long tail of smaller positions. This kind of structure matters because the biggest positions usually drive most of the returns and risk, while smaller holdings play a supporting role. Here, the mix points to an intentional growth bias with some value and international diversifiers around the edges. The concentration in a handful of funds means understanding those core strategies is key to understanding how the whole portfolio behaves.

Growth Info

From late 2019 to mid‑2026, a hypothetical $1,000 in this portfolio grew to about $3,490. That translates into a compound annual growth rate (CAGR) of 20.07%, compared with roughly 16.69% for the US market and 14.16% for the global market. CAGR is like average speed on a road trip — it smooths out the bumps to show overall pace. The portfolio also saw a maximum drawdown of about -33% during early 2020, very similar to the benchmarks. This combination — higher long‑term return with roughly benchmark‑like worst dip — is historically strong, though it still included a sharp, fast drawdown that required a few months to recover.

Projection Info

The forward projection uses a Monte Carlo simulation, which basically takes the portfolio’s historical risk and return patterns and “re-rolls the dice” 1,000 times to see many possible 15‑year paths. The median outcome turns $1,000 into about $2,740, with a wide “likely range” from roughly $1,763 to $4,109. This suggests an annualized return around 7.9% in the simulations, much lower than the recent historical 20% CAGR. That gap highlights how unusually strong the last several years were and that future returns could be more modest. As always, these are statistical what‑ifs, not forecasts — real markets can land outside even the 5–95% range.

Asset classes Info

  • Stocks
    96%
  • Bonds
    4%

About 96% of the portfolio sits in stocks and only around 4% in bonds. That’s a clearly growth‑oriented asset mix, as stocks tend to drive long‑term returns but also day‑to‑day volatility, while bonds usually act as stabilizers. Compared with broad global benchmarks that mix more fixed income, this portfolio leans much heavier into equities. That helps explain the high historical returns and also the sizeable swings seen during stressed periods like early 2020. The minimal bond allocation means most of the “shock absorption” has to come from diversification across different types of stocks rather than from safer asset classes.

Sectors Info

  • Technology
    34%
  • Industrials
    18%
  • Financials
    10%
  • Health Care
    10%
  • Consumer Discretionary
    8%
  • Telecommunications
    6%
  • Energy
    5%
  • Consumer Staples
    3%
  • Basic Materials
    3%
  • Consumer Discretionary
    2%
  • Utilities
    1%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector-wise, technology is the standout at about 34% of equity exposure, noticeably higher than many broad market indices. Industrials, financials, and health care together make up a meaningful chunk, followed by smaller allocations across energy, telecom, consumer areas, materials, utilities, and real estate. A tech-heavy tilt often benefits from innovation and growth cycles but can be more sensitive when interest rates rise or when investors rotate into more defensive areas. The presence of multiple other sectors adds some balance, yet day‑to‑day moves will likely still be strongly influenced by how growth‑oriented, tech‑related businesses are performing.

Regions Info

  • North America
    68%
  • Europe Developed
    12%
  • Asia Developed
    8%
  • Japan
    4%
  • Africa/Middle East
    3%
  • Asia Emerging
    3%
  • Latin America
    1%
  • Australasia
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, around 68% of exposure is in North America, with the rest spread across developed Europe, developed Asia, Japan, emerging Asia, the Middle East/Africa, Latin America, and Australasia. This still represents a noticeable home bias toward North America compared with global equity benchmarks, which generally have a lower US weighting. The international sleeve is quite diversified across regions, including both developed and emerging markets, which can help smooth out country‑specific shocks. At the same time, performance will likely track North American equity trends more closely than global averages, simply because that region dominates the portfolio’s overall footprint.

Market capitalization Info

  • Mega-cap
    33%
  • Mid-cap
    24%
  • Large-cap
    21%
  • Small-cap
    13%
  • Micro-cap
    3%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, about one‑third of the portfolio sits in mega‑cap companies, with significant exposure to large‑ and mid‑caps, plus meaningful small‑cap and even a bit of micro‑cap. This creates a broad spread across company sizes rather than a pure “big company” profile. Larger firms tend to provide more stability and liquidity, while smaller companies can be more volatile but offer higher growth potential. The tilt toward growth funds with small‑ and mid‑cap exposure means this portfolio can behave more energetically than a pure large‑cap index, with both stronger upside in good times and sharper swings when markets are stressed.

True holdings Info

  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.06%
    Part of fund(s):
    • iShares MSCI Emerging Markets ex China
  • Samsung Electronics Co Ltd
    0.45%
    Part of fund(s):
    • iShares MSCI Emerging Markets ex China
  • SK Hynix Inc
    0.33%
    Part of fund(s):
    • iShares MSCI Emerging Markets ex China
  • Al Rajhi Bank
    0.28%
    Part of fund(s):
    • iShares MSCI Saudi Arabia ETF
  • Toyota Motor Corp
    0.23%
    Part of fund(s):
    • WisdomTree International Hedged Quality Dividend Growth Fund
  • Saudi Aramco
    0.23%
    Part of fund(s):
    • iShares MSCI Saudi Arabia ETF
  • Banco Bilbao Vizcaya Argentaria SA
    0.18%
    Part of fund(s):
    • WisdomTree International Hedged Quality Dividend Growth Fund
  • Industria de Diseno Textil SA
    0.18%
    Part of fund(s):
    • WisdomTree International Hedged Quality Dividend Growth Fund
  • Saudi National Bank
    0.17%
    Part of fund(s):
    • iShares MSCI Saudi Arabia ETF
  • LVMH Moët Hennessy - Louis Vuitton
    0.16%
    Part of fund(s):
    • WisdomTree International Hedged Quality Dividend Growth Fund
  • Top 10 total 3.27%

This breakdown covers the equity portion of your portfolio only.

Looking through the ETFs’ top holdings, there is some overlap in big global names like Taiwan Semiconductor, Samsung, and SK Hynix, plus large financial and consumer companies and Saudi blue chips. These individual stocks show up only in small percentages at the total portfolio level, each well under 2%. Because only ETF top‑10 positions are included, total overlap is likely understated, and most active mutual fund holdings are not visible here. Still, the data suggests no single underlying company currently dominates exposure through multiple routes, so any hidden concentration is more likely at the fund‑strategy level than in one individual stock.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 98%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 98%
Quality
Preference for financially healthy companies
Low
Data availability: 98%
Yield
Preference for dividend-paying stocks
Low
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

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 — the portfolio’s lean toward characteristics like value, size, momentum, quality, low volatility, and yield — looks mostly neutral. Value, size, momentum, and low volatility are all near market‑like levels. The two notable tilts are lower quality (39%) and lower yield (30%). “Quality” here refers to things like strong balance sheets and stable earnings, while “yield” is about dividend income. A mild tilt away from quality and income suggests a preference for companies focused more on growth and reinvestment than on steady cash payouts. That can pay off in strong economic periods but may feel bumpier in downturns when higher‑quality names often hold up better.

Risk contribution Info

  • BARON OPPORTUNITY FUND BARON OPPORTUNITY FUND
    Weight: 19.20%
    24.2%
  • DREYFUS STRATEGIC VALUE FUND DREYFUS STRATEGIC VALUE FUND - CLASS A
    Weight: 17.18%
    17.0%
  • VANGUARD PRIMECAP FUND INVESTOR SHARES
    Weight: 13.68%
    14.0%
  • THE DISCIPLINED GROWTH INVESTORS FUND THE DISCIPLINED GROWTH INVESTORS FUND
    Weight: 12.93%
    11.3%
  • THE TOCQUEVILLE INTERNATIONAL VALUE FUND THE TOCQUEVILLE INTERNATIONAL VALUE FUND
    Weight: 7.24%
    6.0%
  • Top 5 risk contribution 72.5%

Risk contribution shows how much each holding adds to overall volatility, which can differ a lot from simple weight. The largest fund, at about 19% weight, contributes roughly 24% of portfolio risk — a risk/weight ratio of 1.26, meaning it punches above its size. The next two core funds have risk contributions roughly in line with their weights. Together, the top three positions account for a bit over 55% of total portfolio risk. This pattern is common in concentrated, growth‑tilted portfolios: a single high‑octane fund can set much of the tone for ups and downs, even when other holdings are diversified.

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.

Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

The risk‑versus‑return chart shows the current portfolio with a Sharpe ratio of 0.8, compared with 1.16 for the optimal mix of the same holdings and 0.67 for the minimum‑risk mix. The Sharpe ratio measures return per unit of risk above a risk‑free rate — higher is better. The current portfolio sits about 2.7 percentage points below the efficient frontier at its risk level, meaning there are alternative weightings of these exact funds that could historically have delivered more return for similar volatility. The good news is the portfolio isn’t way off; it’s reasonably efficient, but not making the maximum use of its existing building blocks.

Dividends Info

  • Avantis® International Small Cap Value ETF 2.70%
  • BARON OPPORTUNITY FUND BARON OPPORTUNITY FUND 3.70%
  • THE DISCIPLINED GROWTH INVESTORS FUND THE DISCIPLINED GROWTH INVESTORS FUND 6.80%
  • iShares MSCI Emerging Markets ex China 2.10%
  • WisdomTree International Hedged Quality Dividend Growth Fund 1.80%
  • iShares MSCI Saudi Arabia ETF 2.70%
  • PRUDENTIAL JENNISON INTERNATIONAL OPPORTUNITIES FUND CLASS Z 0.20%
  • THE TOCQUEVILLE INTERNATIONAL VALUE FUND THE TOCQUEVILLE INTERNATIONAL VALUE FUND 7.20%
  • VANGUARD PRIMECAP FUND INVESTOR SHARES 13.00%
  • Weighted yield (per year) 4.23%

The portfolio’s overall dividend yield is around 4.23%, which is relatively healthy for a growth‑oriented mix. Individual funds vary widely: some international value and disciplined growth funds show higher yields, while certain international opportunities and quality growth strategies pay very little. Dividends matter because they can contribute a meaningful share of long‑term total return, especially when reinvested, but they’re only one piece of the puzzle. In this case, the yield helps offset the portfolio’s tilt away from the “yield factor” in the factor data, suggesting that income still plays a supporting, though not dominant, role in the portfolio’s return profile.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • BARON DISCOVERY FUND BARON DISCOVERY FUND 1.33%
  • BRANDES EMERGING MARKETS VALUE FUND CLASS A 1.29%
  • BARON OPPORTUNITY FUND BARON OPPORTUNITY FUND 1.31%
  • BRANDES SMALL CAP VALUE FUND CLASS A 1.16%
  • DREYFUS STRATEGIC VALUE FUND DREYFUS STRATEGIC VALUE FUND - CLASS A 0.93%
  • THE DISCIPLINED GROWTH INVESTORS FUND THE DISCIPLINED GROWTH INVESTORS FUND 0.78%
  • iShares MSCI Emerging Markets ex China 0.25%
  • FULLER & THALER BEHAVIORAL SMALL-CAP GROWTH FUND INVESTOR SHARES 1.36%
  • WisdomTree International Hedged Quality Dividend Growth Fund 0.58%
  • iShares MSCI Saudi Arabia ETF 0.74%
  • NUVEEN NWQ SMALL/MID-CAP VALUE FUND CLASS A 1.16%
  • PRUDENTIAL JENNISON INTERNATIONAL OPPORTUNITIES FUND CLASS Z 0.90%
  • THE TOCQUEVILLE INTERNATIONAL VALUE FUND THE TOCQUEVILLE INTERNATIONAL VALUE FUND 1.31%
  • VANGUARD PRIMECAP FUND INVESTOR SHARES 0.35%
  • Weighted costs total (per year) 0.89%

The weighted average total expense ratio (TER) for the portfolio is about 0.89% per year. That reflects a mix of relatively low‑cost ETFs and index‑like funds alongside higher‑cost active mutual funds, some with fees above 1.2–1.3%. Costs reduce net returns over time, much like a small leak in a bucket — modest each year but meaningful over decades. Given the strong historical performance versus benchmarks, these fees have been more than covered in the past, which is encouraging. Still, the overall cost is higher than many purely passive portfolios, so the portfolio is implicitly paying for active management and concentrated growth tilts.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

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