High growth concentrated stock portfolio with strong quality tilt and room for smarter risk balance
Report created on Mar 20, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 26.77% -
TT Take-Two Interactive Software Inc
TTWO - US8740541094 18.30% -
NF Netflix Inc
NFLX - US64110L1061 15.59% -
KO The Coca-Cola Company
KO - US1912161007 14.78% -
SO SoFi Technologies Inc.
SOFI - US83406F1021 14.03% -
NV NVIDIA Corporation
NVDA - US67066G1040 7.80% -
MS Microsoft Corporation
MSFT - US5949181045 2.07% -
F Ford Motor Company
F - US3453708600 0.66%
The portfolio is highly concentrated in individual stocks with about a quarter in a broad S&P 500 ETF and the rest in seven single names. The top three positions alone (Take-Two, Netflix, Coca-Cola) make up almost half of the total value, which creates strong conviction but also meaningful single-company risk. A setup like this is very different from a typical broad index portfolio, which usually spreads risk across hundreds or thousands of companies. For someone comfortable with bigger swings, this structure can be exciting, but it also means outcomes depend heavily on a handful of businesses continuing to perform well.
Growth
Historically, this portfolio has done very well: a $1,000 example investment grew to about $2,598, beating both the U.S. market and global market by a wide margin. That translates to a 21.33% compound annual growth rate (CAGR), versus roughly 13.6% for the U.S. market and 11.3% globally. The trade-off is a much deeper max drawdown of about -46%, showing that big drops are part of the ride. Past performance simply shows how this mix handled one particular period; it doesn’t guarantee similar results if leadership shifts or the concentrated positions stumble.
Projection
The Monte Carlo projection uses your historical returns and volatility to simulate many possible 10-year futures, like rolling dice 1,000 times based on past behavior. The median outcome shows strong growth, with a 50th-percentile cumulative return over 700% and an average simulated annual return around 25.8%. However, the 5th percentile scenario shows a loss of about 39%, reminding you that even high-return profiles can have rough decades. Simulations can’t foresee new technologies, regulations, or macro shocks; they only remix the past pattern of ups and downs. The main takeaway is that your portfolio sits in a “high risk / high potential reward” zone with a wide spread between best and worst cases.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with no bonds, cash substitutes, or other asset classes. That pure-equity stance aligns with a growth-oriented approach and can make sense for long horizons, because stocks historically offer higher potential returns than more defensive assets. The flip side is that there’s no built-in cushion from safer holdings during market stress, which means drawdowns can be both deeper and longer-lasting. Many investors choose to mix in some lower-volatility assets as their time horizon shortens or their need for stability rises, but a 100% stock allocation can fit someone who is comfortable riding through large swings without needing to sell.
Sectors
- Telecommunications 37%
- Technology 19%
- Financials 17%
- Consumer Staples 16%
- Consumer Discretionary 3%
- Health Care 3%
- Industrials 2%
- Energy 1%
- Utilities 1%
- Real Estate 1%
- Basic Materials 1%
Sector-wise, the portfolio is heavily tilted toward communication services and technology-related businesses, with these areas accounting for well over half of the exposure. Financial services (via SoFi) and consumer defensive (via Coca-Cola) provide some contrast, but there is a clear lean toward growth- and innovation-driven companies. Compared with broad market benchmarks that spread more evenly across sectors, this tilt can boost returns when these areas lead, but it may make the portfolio more sensitive during periods of rising rates, regulatory pressure, or sentiment shifts away from growth. A useful question is whether this sector skew is intentional or just a byproduct of liking specific brands and stories.
Regions
- North America 100%
Geographically, the portfolio is 100% in North America, with effective exposure overwhelmingly to the U.S. market. That lines up with many U.S.-based investors, and it has been a tailwind over the past decade as U.S. large caps outperformed many other regions. The trade-off is that economic, political, or regulatory shocks specific to the U.S. could hit the entire portfolio at once, because there’s no offset from other regions. Global benchmarks usually allocate meaningful weight outside the U.S., so adding some foreign exposure is one way some investors try to spread risk across different economies and policy regimes.
Market capitalization
- Mega-cap 53%
- Large-cap 42%
- Mid-cap 5%
By market capitalization, the portfolio is dominated by mega and large-cap stocks, with only a small allocation to mid-caps. This means most holdings are in well-established, widely followed companies that often have strong competitive positions and access to capital. Large caps generally show more stable earnings and lower business risk than very small companies, but they can sometimes grow more slowly from an already huge base. The heavy tilt toward big names also means your performance will likely track the broad large-cap U.S. universe quite closely, especially given the meaningful S&P 500 ETF position and overlapping mega-cap holdings.
True holdings
-
TT Take-Two Interactive Software Inc 18.32%
Part of fund(s):- Vanguard S&P 500 ETF
-
NF Netflix Inc 15.77%
Part of fund(s):- Vanguard S&P 500 ETF
-
KO The Coca-Cola Company 14.92%
Part of fund(s):- Vanguard S&P 500 ETF
-
SO SoFi Technologies Inc. 14.03%
-
NV NVIDIA Corporation 9.76%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.40%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 1.78%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 0.93%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 0.82%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 0.69%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 80.42%
Looking through the ETF, the main underlying exposures are basically the same big names you hold directly: Take-Two, Netflix, Coca-Cola, NVIDIA, and Microsoft show up both as single stocks and via the S&P 500 ETF. That overlap quietly boosts your effective exposure to these companies beyond just the direct positions. For example, NVIDIA’s total exposure is closer to 10% once you include its slice inside the ETF. Hidden concentration like this isn’t bad by itself, but it’s worth being very sure that you want this much of your future performance riding on a small cluster of large U.S. growth names.
Factors
Factor exposure shows strong tilts toward quality, yield, and low volatility, with moderate value and momentum and a positive size tilt. In plain terms, quality means companies with solid balance sheets and consistent profitability; low volatility means stocks that historically moved less than the market; yield captures dividend and cash-return characteristics. These tilts can help smooth the ride somewhat and support returns in choppy markets, especially when lower-quality or speculative stocks struggle. At the same time, the portfolio isn’t strongly tilted toward deep value or tiny companies, so it behaves more like a quality-focused, large-cap growth portfolio than a bargain-hunting or small-cap-heavy strategy. Factor patterns can shift over time, so these benefits won’t always show up every year.
Risk contribution
-
SoFi Technologies Inc.
Weight: 14.03% 33.2% -
Netflix Inc
Weight: 15.59% 19.8% -
Take-Two Interactive Software Inc
Weight: 18.30% 16.0% -
Vanguard S&P 500 ETF
Weight: 26.77% 15.4% -
NVIDIA Corporation
Weight: 7.80% 11.6% - Top 5 risk contribution 95.9%
Risk contribution highlights how much each holding drives the overall ups and downs, which can be very different from its percentage weight. SoFi is the standout: it’s about 14% of the portfolio but contributes more than 33% of total risk, a risk-to-weight ratio over 2x. Netflix and NVIDIA also punch above their weight, while the S&P 500 ETF actually contributes less risk than its allocation. This tells you that the portfolio’s volatility is heavily shaped by a few growth-oriented names, especially SoFi. Adjusting position sizes—especially trimming those with risk contribution far above their weight—is one way some investors bring their overall risk closer to what they’re actually comfortable with.
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 sits below the efficient frontier, with an expected return of about 20.3% and volatility around 23.6%, giving a Sharpe ratio (return per unit of risk) of 0.77. The optimal mix of these same holdings could, in theory, deliver a Sharpe ratio around 1.36 with somewhat lower risk, while a minimum-variance version could cut volatility notably with a milder return. This means that, without adding any new investments, simply reweighting the existing positions could potentially improve your tradeoff between risk and reward. It’s encouraging that your building blocks are strong; the main opportunity lies in fine-tuning how much you allocate to each one.
Dividends
- Ford Motor Company 5.20%
- The Coca-Cola Company 2.00%
- Microsoft Corporation 0.90%
- Vanguard S&P 500 ETF 1.20%
- Weighted yield (per year) 0.67%
Dividends play a relatively minor role here. The overall portfolio yield is about 0.67%, with Coca-Cola, Ford, Microsoft, and the S&P 500 ETF providing most of the income. That’s well below what income-focused or balanced portfolios typically target, which is normal for a growth-oriented mix. The emphasis is clearly on price appreciation rather than cash payouts. This setup can work very well for someone still in the accumulation phase who doesn’t need regular portfolio income and is happy to let companies reinvest profits. For investors who later want more predictable cash flow, gradually tilting toward higher-yield holdings or income-focused funds can be one way to shift gears.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.01%
On costs, the portfolio is in excellent shape. The only ongoing fund fee is the Vanguard S&P 500 ETF’s expense ratio of about 0.03%, bringing the total TER to roughly 0.01% when spread across the whole portfolio. That’s impressively low and a real positive, because fees compound in the same way returns do—just in the wrong direction. Keeping costs minimal leaves more of the portfolio’s performance in your pocket each year. With so much allocated to individual stocks and a single ultra-low-cost ETF, you’re already capturing one of the clearest advantages individual investors can control: not overpaying for management.
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