Growth focused US heavy portfolio with strong tech exposure and solid historic outperformance

Report created on Apr 11, 2026

Risk 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

The portfolio is 100% in equities, built entirely from broad and thematic ETFs, with a clear growth tilt. Around half sits in core US large-cap funds, while the rest leans into momentum, semiconductors, dividends, and the NASDAQ 100, plus a small slice of international stocks. This structure mixes broad market exposure with targeted “satellite” bets in areas that have driven recent market gains. Having everything in stocks maximizes long‑term growth potential but also means the portfolio will swing more in market downturns. A general takeaway is that this kind of setup fits investors focused on long horizons and willing to ride through sizeable volatility without the stabilizing role of bonds or cash.

Growth Info

From late 2020 to early 2026, $1,000 in this portfolio grew to about $2,573, a compound annual growth rate (CAGR) of 18.87%. CAGR is like your average speed on a road trip, smoothing out all the bumps to show the long‑run pace. Over this period, the portfolio beat both the US market (14.48% CAGR) and the global market (12.64% CAGR) by a wide margin, while having a max drawdown of -26.49%, similar to global equities. That’s strong evidence the growth tilt has been rewarded so far. Still, past performance can’t guarantee the same edge going forward, especially with concentrated tech and momentum exposure.

Projection Info

The Monte Carlo simulation projects many possible 15‑year paths for $1,000 by remixing historical returns and volatility. Think of it as rerunning market history a thousand different ways to see a range of outcomes, not just a single forecast. The median result is about $2,761, with most outcomes falling between roughly $1,830 and $4,190, and a 74.8% chance of a positive return. The average annual return across simulations is 8.05%, much lower than the recent 18.87% CAGR. This gap underlines that recent years were unusually strong and may not repeat; using the simulation range rather than the past CAGR gives a more grounded expectation.

Asset classes Info

  • Stocks
    100%

All assets are in stocks, with no allocation to bonds, cash, or alternatives. Equities historically offer the highest long‑term returns but also the biggest drawdowns, because there’s nothing in the mix that tends to zig when stocks zag. This all‑equity stance is aggressive and fits growth‑oriented investors with long time horizons who can tolerate seeing significant swings in account value. Compared with more “balanced” portfolios that include bonds or defensive assets, this structure should grow faster in strong markets but feel much rougher during recessions or rate shocks. The key practical point is that this setup relies entirely on your ability to stay invested when markets drop sharply.

Sectors Info

  • Technology
    45%
  • Industrials
    9%
  • Health Care
    9%
  • Telecommunications
    8%
  • Financials
    8%
  • Consumer Staples
    7%
  • Consumer Discretionary
    6%
  • Energy
    5%
  • Basic Materials
    2%
  • Utilities
    1%
  • Real Estate
    1%

Sector exposure is heavily tilted to technology at 45%, with the rest spread across industrials, health care, telecom, financials, staples, discretionary, energy, and small slices of materials, utilities, and real estate. That tech‑heavy stance has lined up well with recent market leadership, helping drive the strong outperformance versus benchmarks. But it also means the portfolio is more sensitive to changes in interest rates, innovation cycles, and regulation affecting high‑growth and semiconductor names. Compared with a broad global index, this is clearly more concentrated. The main implication: expect sharper moves, both up and down, when tech or chip stocks go through boom‑and‑bust periods.

Regions Info

  • North America
    92%
  • Europe Developed
    3%
  • Asia Developed
    3%
  • Asia Emerging
    1%
  • Japan
    1%

Geographically, the portfolio is dominated by North America at 92%, with only small allocations to Europe, developed Asia, Japan, and emerging Asia. This exposure lines up with many US‑centric portfolios and has worked well in the last decade, as US markets have outpaced most other regions. However, it also means company fortunes are tightly linked to the US economy, policy, and currency, and you capture relatively little of potential growth or value opportunities elsewhere. Compared with a global market index, which gives a much larger slice to non‑US equities, this is a clear home‑bias. The trade‑off is comfort and familiarity versus broader global diversification.

Market capitalization Info

  • Large-cap
    48%
  • Mega-cap
    36%
  • Mid-cap
    14%
  • Small-cap
    1%

The portfolio leans heavily into mega‑cap and large‑cap stocks, which together make up about 84% of exposure, with modest mid‑cap and minimal small‑cap positions. Large and mega caps tend to be more stable, established companies with deep liquidity, making the portfolio’s risk profile more tied to the biggest global franchises rather than smaller, more volatile names. This is broadly aligned with major indices and supports smoother behavior than a small‑cap‑heavy growth portfolio would. The flip side is less exposure to smaller companies that sometimes drive outsized returns in certain cycles. Overall, this is a blue‑chip, index‑like size profile with added growth flavor.

True holdings Info

  • NVIDIA Corporation
    8.38%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • VanEck Semiconductor ETF
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    4.17%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • VanEck Semiconductor ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    2.60%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Apple Inc
    2.42%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    2.12%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    1.80%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Taiwan Semiconductor Manufacturing
    1.74%
    Part of fund(s):
    • VanEck Semiconductor ETF
  • Lam Research Corp
    1.65%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • VanEck Semiconductor ETF
  • Micron Technology Inc
    1.63%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
  • Johnson & Johnson
    1.61%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
  • Top 10 total 28.11%

Looking through the ETFs, several big names appear repeatedly, especially in technology and communication services. NVIDIA, Broadcom, Apple, Microsoft, Alphabet, and Taiwan Semiconductor all show up across multiple funds, creating hidden overlap. This overlap boosts exposure to winners when they’re doing well but also means a handful of companies drive a meaningful chunk of your risk. Because only ETF top‑10 holdings are captured, the real overlap is likely a bit higher. The main takeaway is that diversification is weaker than the number of tickers suggests; performance and risk are more tied to a small group of mega‑cap growth and chip stocks than the surface allocation implies.

Factors Info

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

Factor exposure here is very close to market‑like across value, size, momentum, quality, yield, and low volatility, all sitting in the neutral band. Factors are like the underlying “traits” of stocks — cheap vs expensive (value), fast‑rising vs laggards (momentum), stable vs choppy (low volatility), and so on. A neutral profile means the portfolio doesn’t strongly lean into any one academic factor, despite its visible tilt to tech and momentum‑style ETFs. That’s actually a positive sign: the mix behaves roughly like the broad market in terms of these deep characteristics, reducing the risk that performance is overly dependent on one narrow style working or failing.

Risk contribution Info

  • Invesco S&P 500® Momentum ETF
    Weight: 30.00%
    29.2%
  • VanEck Semiconductor ETF
    Weight: 15.00%
    25.5%
  • Vanguard S&P 500 ETF
    Weight: 25.00%
    21.9%
  • Invesco NASDAQ 100 ETF
    Weight: 10.00%
    11.4%
  • Schwab U.S. Dividend Equity ETF
    Weight: 15.00%
    8.7%
  • Top 5 risk contribution 96.5%

Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from simple weights. Here, the VanEck Semiconductor ETF is only 15% of the portfolio but contributes about 25% of the total risk, with a risk/weight ratio of 1.70. The top three holdings together drive over 76% of total risk, even though they’re 70% of the assets. This tells you that semiconductors and the momentum slice are the real risk engines. If the goal is to smooth volatility without changing the overall growth mindset, minor size adjustments among these top positions can meaningfully rebalance how concentrated your risk is.

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.

On the risk‑return chart, the current portfolio shows a Sharpe ratio of 0.79, which measures return per unit of risk above the risk‑free rate. The optimal mix of your existing holdings would have a higher Sharpe of 1.03, while the minimum‑variance mix sits at 0.85 with lower volatility. Being about 1.67 percentage points below the efficient frontier at your current risk level means the portfolio isn’t using its ingredients as efficiently as possible. Without adding any new funds, simply reweighting what’s already here could either improve expected return for the same risk or reduce risk for a similar return, nudging you closer to that efficient frontier curve.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • VanEck Semiconductor ETF 0.30%
  • Invesco S&P 500® Momentum ETF 0.80%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.80%
  • Weighted yield (per year) 1.26%

The overall dividend yield of roughly 1.26% reflects the growth‑oriented nature of the portfolio. One holding — the US dividend equity ETF — provides a higher yield around 3.4%, while most of the growth and tech‑tilted ETFs pay relatively little. Dividends matter because they add a steady return component that doesn’t depend on prices rising, and they can be reinvested to compound over time. Here, the income stream is modest but not zero, which is typical for a growth‑heavy equity mix. This setup is more suitable for investors focused on capital appreciation rather than those relying on investments to fund near‑term spending needs.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.13%

The weighted total expense ratio (TER) of about 0.13% is impressively low for an all‑ETF portfolio with both broad and thematic exposure. TER is the annual fee charged by funds, and keeping it low helps more of your returns stay in your pocket, especially over decades. You’ve combined ultra‑cheap core funds from Vanguard and Schwab with slightly pricier, but still reasonable, specialized ETFs like the semiconductor fund. For the level of targeted exposure you’re getting, this fee level aligns well with best practices. It’s a strong structural advantage, because even small cost differences can compound into big dollar gaps over long horizons.

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