Highly concentrated US growth portfolio with strong large cap technology focus and efficient risk profile
Report created on May 10, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 80.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 20.00%
This portfolio is very focused: 100% in stocks and only two ETFs, with 80% in a broad US index and 20% in a dedicated technology fund. That means almost everything is tied to the performance of the US stock market, with an extra boost from the tech sector. A structure like this is simple and transparent, which makes it easy to understand how market news might affect it. The growth-oriented design can lead to larger swings up and down than a mix including bonds or cash. Overall, the portfolio leans into equity growth while keeping the building blocks extremely streamlined, which fits the “low diversity” score shown in the overview.
Growth
Over the period from 2016 to 2026, $1,000 grew to about $5,269, which is a compound annual growth rate (CAGR) of 18.14%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. This comfortably outpaced both the US market and the global market, which is consistent with a strong tilt toward US growth and technology. The portfolio’s worst peak-to-trough drop, or max drawdown, was about -33.4%, very similar to the benchmarks. That shows the downside has been comparable to the market even while returns were higher, a historically favorable balance — though, as always, past performance doesn’t guarantee similar future results.
Projection
The Monte Carlo projection looks at many possible future paths by “replaying” returns in thousands of random scenarios based on historical behavior. Here, a $1,000 starting amount ends with a median outcome around $2,718 after 15 years, with a 71% chance of finishing positive. The likely middle range spans from roughly $1,713 to $4,230, but extreme outcomes stretch from below your starting value to many times that. This highlights that even for a growth portfolio with historically strong results, future paths can vary a lot. Simulations rely on past patterns and can’t foresee structural changes, so they’re best read as a range of possibilities, not a forecast.
Asset classes
- Stocks 100%
All of the portfolio is allocated to stocks, with no bonds, cash-like holdings, or alternative assets. That’s why the risk classification lands on the growth-oriented side. A 100% equity allocation increases sensitivity to economic cycles, corporate earnings, and investor sentiment, which often means steeper ups and downs than a more mixed asset blend. On the flip side, stocks historically have offered higher long-term returns than safer assets, which aligns with the strong performance seen so far. Compared with many diversified portfolios that include bonds or other stabilizers, this structure is more “all-in” on equity growth and relies on diversification within stocks rather than across different asset classes.
Sectors
- Technology 47%
- Financials 10%
- Telecommunications 9%
- Consumer Discretionary 8%
- Health Care 8%
- Industrials 7%
- Consumer Staples 4%
- Energy 3%
- Utilities 2%
- Real Estate 2%
- Basic Materials 2%
Sector exposure is heavily skewed toward technology at 47%, with the remainder spread across financials, telecom, consumer areas, health care, and smaller slices of other sectors. Compared with broad market benchmarks, this is a clear tech overweight, driven mainly by the dedicated technology ETF on top of the tech already inside the S&P 500 ETF. Sector weights matter because different parts of the economy react differently to interest rates, regulation, and growth cycles. Tech-heavy portfolios can shine during innovation-driven rallies but may be more sensitive when rates rise or investor enthusiasm cools. The rest of the sectors are present but play a supporting role rather than balancing out the tech concentration.
Regions
- North America 99%
Geographically, the portfolio is almost entirely concentrated in North America at about 99%. That aligns closely with tracking a US large-cap index plus a US-focused tech fund. This alignment means the portfolio benefits when US markets outperform global markets, which has often been the case over the past decade. At the same time, it leaves very little exposure to other regions that might perform differently during certain economic or political environments. Compared with a global benchmark that includes a large share of non-US stocks, this is a clear home-country focus. The strong historical outperformance relative to the global market fits with this US tilt, but it also means results are very dependent on one region’s fortunes.
Market capitalization
- Mega-cap 47%
- Large-cap 33%
- Mid-cap 17%
- Small-cap 2%
- Micro-cap 1%
Market capitalization exposure is tilted toward the largest companies, with about 47% in mega-cap and 33% in large-cap stocks, and only modest allocations to mid, small, and micro caps. This profile closely resembles mainstream large-cap benchmarks, especially with a big S&P 500 core. Large and mega-cap stocks tend to be more established businesses with deeper liquidity, which can make price moves somewhat smoother than a portfolio packed with small caps, though they still move meaningfully with the market. The modest allocation to smaller companies adds some potential for different growth patterns without dominating overall behavior. Overall, the market-cap mix aligns well with standard broad-market equity exposure.
True holdings
-
NV NVIDIA Corporation 9.77%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc 8.50%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 5.98%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.97%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.91%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.39%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.92%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.79%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.50%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 1.26%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 38.99%
Looking through the ETFs’ top holdings, a handful of big names drive a meaningful share of the portfolio: NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet, Meta, Tesla, and Berkshire Hathaway all appear via multiple funds. For example, NVIDIA alone accounts for nearly 10%, and Apple about 8.5% of the overall portfolio. Because both ETFs lean heavily into the same large US growth names, there is overlap that creates hidden concentration in those companies. The overlap shown is only from the top 10 ETF holdings, so the true overlap is probably higher. This means the portfolio’s day-to-day moves will be very influenced by the fortunes of a small group of mega-cap growth and tech-related firms.
Factors
Factor exposures — the underlying “ingredients” of returns like value, size, momentum, quality, yield, and low volatility — are all in the neutral band. That means the portfolio behaves broadly like the wider market on these characteristics, rather than having strong tilts toward, say, cheaper “value” stocks or high “momentum” winners. In practice, this suggests that the main drivers of performance are traditional market risks such as overall equity direction and sector/geography choices, rather than a deliberate factor strategy. A well-balanced factor profile can be helpful because it avoids loading heavily on one style that might go in and out of favor, keeping the behavior closer to a broad-market equity experience.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 80.00% 75.3% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 20.00% 24.7%
Risk contribution measures how much each holding adds to overall ups and downs, which can differ from its weight. Here the S&P 500 ETF is 80% of the portfolio and contributes about 75% of total risk, while the tech ETF is 20% of the portfolio but contributes almost 25% of the risk. That slightly outsized risk from the tech sleeve reflects its narrower, more volatile focus. This pattern is common: more concentrated or growth-oriented holdings often punch above their weight in terms of risk. The result is that, while the S&P 500 fund anchors the portfolio, the tech ETF has a meaningful influence on how sharply the portfolio responds to tech-sector swings.
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 shows the current portfolio sitting on or very near the efficient frontier for these two holdings. The efficient frontier is the curve showing the best return you could historically get for each level of risk using only the existing ingredients. The current Sharpe ratio of about 0.73 — a measure of return per unit of risk above a risk-free rate — is slightly below the maximum available with a different mix but still in a strong zone. The fact that this allocation is considered efficient means that, given these two ETFs, the tradeoff between risk and return is already quite well-balanced without any obvious historical inefficiency.
Dividends
- Vanguard Information Technology Index Fund ETF Shares 0.30%
- Vanguard S&P 500 ETF 1.10%
- Weighted yield (per year) 0.94%
The portfolio’s overall dividend yield is relatively modest at about 0.94%, with the tech ETF yielding just 0.30% and the S&P 500 ETF around 1.10%. Dividends are the cash payouts companies make to shareholders, and they can play a big role in total return for income-focused investors. In a growth-tilted portfolio like this, most of the historical return has come from price appreciation rather than income. That lines up with the heavy technology exposure, since many tech companies reinvest earnings instead of paying large dividends. The yield level means that, while there is some income cushion, the portfolio’s experience will be much more about capital gains than steady cash flows.
Ongoing product costs
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.04%
Costs are impressively low, with a combined total expense ratio (TER) of about 0.04%. TER is the annual fee that funds charge to manage money, and even small differences compound over long periods. This portfolio’s cost level is well below the average for actively managed funds and very competitive even within index-tracking products. Low costs mean that more of the portfolio’s gross return is kept rather than paid out in fees each year, which has supported the strong historical performance. This is a clear strength: the fee drag on returns is minimal, helping the simple two-ETF structure punch above its weight over time.
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!
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