Growth focused equity portfolio with strong US tilt and high quality large company exposure
Report created on Apr 8, 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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VO Vanguard S&P 500 ETF
VOO - US9229083632 50.01% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 25.00% -
AM Amazon.com Inc
AMZN - US0231351067 8.33% -
GO Alphabet Inc Class C
GOOG - US02079K1079 8.33% -
MS Microsoft Corporation
MSFT - US5949181045 8.33%
The portfolio is a pure equity mix: about three quarters in broad market ETFs and one quarter in three mega-cap US stocks. Half the money sits in a US large‑cap fund, a quarter in an international equity fund, and the rest in concentrated positions in Amazon, Alphabet, and Microsoft. That structure blends wide diversification with some deliberate stock‑picking risk. This matters because stock‑only portfolios can grow faster over long periods, but they can also fall sharply in rough markets. A useful takeaway is that this setup makes sense for growth‑oriented investors who can handle big swings, but it would feel uncomfortable for someone needing near‑term stability or income.
Growth
Historically, $1,000 grew to about $4,405 over ten years, a compound annual growth rate (CAGR) of 16.05%. CAGR is like your average speed on a long road trip, smoothing out all the bumps. That’s comfortably ahead of both the US market (14.29%) and global market (11.82%), suggesting the growth tilt and stock picks have added value. The worst drawdown was around -31.7%, similar to broad markets, and it took over a year to bottom and another year to fully recover. This shows that while the return profile has been strong, you still had to sit through big temporary losses, which is typical for aggressive equity strategies.
Projection
The Monte Carlo projection uses past returns and volatility to simulate 1,000 possible 15‑year futures for this mix. Think of it as running many alternate timelines to see a range of outcomes, not a prediction. The median path takes $1,000 to about $2,731, with a “likely” middle band between roughly $1,782 and $4,246. But the wide possible range ($915–$7,877) shows real uncertainty. About 73% of simulations end positive, with an average annualized return of 8.03%. That’s lower than the historical 16% CAGR, which is sensible: simulations tend to assume more conservative long‑run expectations. As always, these models rely on history, which never guarantees the future.
Asset classes
- Stocks 100%
All assets are in stocks, with 0% in bonds, cash, or alternatives. Asset classes are broad buckets like stocks, bonds, and real estate that behave differently across market cycles. A 100% equity allocation maximizes growth potential but also maximizes exposure to market swings, since there’s no “shock absorber” like bonds. Compared to a more mixed portfolio, this setup will usually do better in strong bull markets and feel harsher in deep drawdowns or recessions. For someone with a long horizon and no near‑term cash needs, that can be acceptable, but it’s less aligned with goals like capital preservation or short‑term spending plans.
Sectors
- Technology 29%
- Consumer Discretionary 16%
- Telecommunications 15%
- Financials 12%
- Industrials 8%
- Health Care 7%
- Consumer Staples 4%
- Basic Materials 3%
- Energy 3%
- Utilities 2%
- Real Estate 2%
Sector‑wise, the portfolio leans heavily into technology (29%), with meaningful exposure to consumer discretionary and telecom‑related names, and less in traditionally defensive areas like consumer staples, utilities, and health care. This is somewhat more growth‑oriented than a typical broad global benchmark, largely because of the concentrated positions in big tech and online giants. Sector tilts matter because different parts of the economy react differently to interest rates, inflation, and innovation cycles. A tech‑ and consumer‑tilted profile can outperform when growth and innovation are rewarded, but may be more volatile if rates rise sharply or sentiment turns against high‑growth business models.
Regions
- North America 77%
- Europe Developed 9%
- Japan 4%
- Asia Developed 4%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, roughly 77% is in North America, with most of the rest spread modestly across developed Europe and Asia, and small slices in emerging regions. That’s a clear home‑bias toward the US, but still more global than a pure US portfolio. Compared to the world market, which is closer to 60% US, this is overweight the US and underweight the rest. Geography matters because economies, currencies, and political systems don’t move in lockstep. A US tilt has been rewarding over the last decade, but it also ties results strongly to one country’s fortunes. Maintaining some non‑US exposure, as this portfolio does, helps reduce that single‑country dependence.
Market capitalization
- Mega-cap 60%
- Large-cap 25%
- Mid-cap 13%
- Small-cap 1%
Most holdings are mega‑ and large‑cap companies, with 60% in the very largest firms and another 25% in large caps. Only a small slice is in mid‑caps and an almost negligible share in small caps. Market capitalization refers to company size by stock market value, and size affects behavior: small caps can be more volatile and sometimes offer higher long‑term growth, while mega‑caps tend to be more stable and closely follow broad index moves. This portfolio’s structure means it rides heavily on the biggest global names, which can be more predictable but may sacrifice some of the diversification and potential return premium that smaller companies occasionally provide.
True holdings
-
Part of fund(s):
- Vanguard S&P 500 ETF
-
Part of fund(s):
- Vanguard S&P 500 ETF
-
Part of fund(s):
- Vanguard S&P 500 ETF
-
NV NVIDIA Corporation 3.66%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 3.32%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.54%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.29%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.20%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 0.96%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 0.86%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 43.26%
Looking through the ETFs, there’s meaningful overlap with the single‑stock positions. Microsoft, Amazon, and Alphabet each end up around 10% of the total portfolio once you combine direct and ETF exposure. Several other mega‑cap tech names like Apple and NVIDIA appear via the ETFs, adding to a “top‑heavy” feel. Overlap matters because owning the same company in different wrappers can quietly increase concentration, even if it looks diversified on the surface. Here, the three chosen single stocks clearly amplify exposure to large US growth names. A practical takeaway is that any future changes could focus on reducing overlap rather than adding more of what you already own indirectly.
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 shows a notable tilt toward quality at about 60%, with other factors like value, momentum, yield, and low volatility sitting around neutral. Factors are traits like “cheap vs expensive” (value) or “steady earnings and strong balance sheets” (quality) that research links to returns over time. A quality tilt often means more profitable, resilient companies that can sometimes hold up better in downturns, though they can lag in speculative rallies. The relatively low size factor score fits with the large‑cap bias. Overall, the factor mix is quite balanced apart from that quality lean, which is generally seen as a positive, defensive‑friendly ingredient in a growth‑focused portfolio.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.01% 47.8% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 25.00% 20.4% -
Amazon.com Inc
Weight: 8.33% 11.1% -
Alphabet Inc Class C
Weight: 8.33% 10.4% -
Microsoft Corporation
Weight: 8.33% 10.3%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the S&P 500 ETF is about half the portfolio and contributes nearly half the risk, which is proportionate. The three single stocks, each around 8.3% by weight, each contribute 10–11% of total risk, meaning they punch above their size. Together with the international ETF, the top three positions by weight account for nearly 80% of portfolio risk. That’s not extreme, but it’s meaningful concentration. Adjusting position sizes over time can help keep any one holding from dominating the emotional ride you experience.
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 your current mix sitting on or very close to the efficient frontier. The efficient frontier is the curve of best possible returns for each risk level using your existing holdings in different weights. Your portfolio’s Sharpe ratio (a measure of return per unit of risk) is 0.67, while the “optimal” max‑Sharpe mix is 0.93 but with meaningfully higher risk. The minimum‑variance option has slightly lower risk but also lower return and a Sharpe of 0.64. Being on the frontier is a strong sign the current allocation is efficient for its chosen risk level, so any changes would be more about preferences than fixing inefficiencies.
Dividends
- Alphabet Inc Class C 0.30%
- Microsoft Corporation 0.90%
- Vanguard S&P 500 ETF 1.20%
- Vanguard Total International Stock Index Fund ETF Shares 2.90%
- Weighted yield (per year) 1.43%
The total dividend yield is about 1.43%, with the international ETF providing the highest yield and the individual growth stocks paying little or nothing. Dividend yield is the annual cash payout as a percentage of price, and it matters most if you care about regular income instead of just growth. This level of income is modest, consistent with a growth‑oriented, large‑cap tech‑heavy mix. Over time, dividends still contribute meaningfully to total return, especially when reinvested. But for someone wanting substantial cash flow from their investments, this setup leans more toward capital appreciation and less toward current income.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.03%
Costs are impressively low. The S&P 500 ETF charges 0.03% per year and the international ETF 0.05%, leading to an overall TER near 0.03%. TER (Total Expense Ratio) is like a small annual “membership fee” for each fund, quietly taken out of returns. Low costs matter because they compound just like returns do: every 0.1% saved each year can add up over decades. This allocation is well‑aligned with best practices on fees and supports better long‑term performance. The big costs here are really market risk and concentration, not fund expenses, which is exactly where you’d want the focus.
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