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Strong tech momentum equity mix with concentrated growth tilt and historically high but volatile returns

Report created on Apr 27, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification
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Positions

This portfolio is built entirely from equity ETFs, with nine funds and relatively even weights across the largest positions. The structure leans heavily on growth and momentum strategies, plus a focused semiconductor and technology sleeve on top of broad US and international funds. Because everything here is stock-based, returns and risk are tightly tied to global equity markets rather than bonds or cash. The fairly even weighting among most ETFs avoids a single-fund dominance, but the thematic choices still create concentration in certain styles and industries. Overall, the structure is straightforward and transparent, making it easier to understand how different funds contribute to growth, volatility, and diversification over time.

Growth Info

From late 2020 to April 2026, $1,000 in this portfolio grew to about $2,672, a compound annual growth rate (CAGR) of 19.57%. CAGR is like your average “speed” per year over the whole journey. That’s meaningfully higher than both the US market at 15.25% and the global market at 13.15% over the same period. The trade-off has been a deeper max drawdown of about -30%, compared with -24–26% for the benchmarks, and it took more than a year to recover. Returns are also concentrated: 90% of gains came from just 27 strong days, showing a pattern of powerful upswings mixed with sharp pullbacks.

Projection Info

The Monte Carlo projection uses past volatility and returns to simulate many possible futures, like running 1,000 alternate timelines. After 15 years, the median outcome for $1,000 is about $2,816, with a wide “likely” range from roughly $1,731 to $4,239. A Monte Carlo model doesn’t predict a single result; it shows a distribution of possibilities, including good and bad scenarios. Across all simulations, the average annual return lands around 8.2%, with about a 72% chance of ending above the starting value. These projections depend heavily on past behavior, so they’re useful for framing uncertainty, but they can’t capture regime shifts or structural changes in markets.

Asset classes Info

  • Stocks
    100%

All of this portfolio is in stocks, with 0% allocated to bonds, cash, or alternatives. That creates a pure equity profile, where returns come entirely from company earnings, growth expectations, and market sentiment rather than interest coupons or stable cash yields. In many global benchmarks, equities are often combined with bonds to smooth volatility; here, the choice is to stay fully in the growth engine. A 100% stock allocation tends to amplify both upside during strong markets and drawdowns during stress. This structure is consistent with a growth-oriented approach and explains the higher risk score alongside strong long-term return potential.

Sectors Info

  • Technology
    48%
  • Industrials
    12%
  • Financials
    11%
  • Telecommunications
    6%
  • Consumer Discretionary
    5%
  • Health Care
    5%
  • Basic Materials
    4%
  • Consumer Staples
    3%
  • Utilities
    3%
  • Energy
    2%
  • Real Estate
    1%

Sector-wise, almost half of the portfolio sits in technology, with the rest spread across areas like industrials, financials, telecom, consumer-related sectors, health care, materials, and utilities in smaller slices. Most broad global indices have a substantial tech component, but not typically as high as 48%, especially given the extra semiconductor and tech sector ETFs on top. Tech-heavy portfolios can benefit significantly when innovation-driven companies lead the market, as seen in recent years, but may also react more sharply to interest-rate changes, regulatory news, or shifts in growth expectations. The remaining sectors add some diversification, yet the defining trait here is clearly a strong technology tilt.

Regions Info

  • North America
    75%
  • Europe Developed
    14%
  • Japan
    5%
  • Asia Developed
    4%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, about three-quarters of the portfolio is in North America, with the rest primarily in developed Europe, Japan, and other developed Asia-Pacific markets. This North America tilt is common in many equity portfolios because US-listed growth and tech names dominate global market capitalization and recent performance. However, global indices usually have somewhat more non-US exposure than the 25% seen here. A home-region tilt can amplify outcomes tied to one economic and policy environment, including currency effects for non-dollar investors, while leaving less tied to different growth cycles abroad. The international ETFs help broaden the opportunity set beyond North America, even if the US still sets the tone.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    34%
  • Mid-cap
    13%
  • Small-cap
    7%
  • Micro-cap
    1%

By market capitalization, the mix is dominated by mega-cap and large-cap companies, together making up over three-quarters of the portfolio. These tend to be established firms with global footprints and deep liquidity, which can make trading smoother and reduce company-specific risk compared with very small stocks. Mid-cap and small-cap positions are present but smaller, providing some exposure to potentially faster-growing but more volatile firms. Compared with a purely large-cap index, this profile adds a modest tilt toward smaller names without fundamentally changing the large-cap core. That balance can temper extremes: you get the stability and recognition of big names plus a controlled slice of higher-risk, higher-variance companies.

True holdings Info

  • NVIDIA Corporation
    7.93%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Technology Select Sector SPDR® Fund
    • VanEck Semiconductor ETF
  • Broadcom Inc
    3.86%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Technology Select Sector SPDR® Fund
    • VanEck Semiconductor ETF
  • Apple Inc
    3.71%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Technology Select Sector SPDR® Fund
  • Microsoft Corporation
    2.87%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Technology Select Sector SPDR® Fund
  • Micron Technology Inc
    1.86%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Technology Select Sector SPDR® Fund
    • VanEck Semiconductor ETF
  • Alphabet Inc Class A
    1.67%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Advanced Micro Devices Inc
    1.48%
    Part of fund(s):
    • Invesco S&P 500® Momentum ETF
    • Technology Select Sector SPDR® Fund
    • VanEck Semiconductor ETF
  • Alphabet Inc Class C
    1.39%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Amazon.com Inc
    1.36%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Large-Cap Growth ETF
  • Taiwan Semiconductor Manufacturing
    1.33%
    Part of fund(s):
    • VanEck Semiconductor ETF
  • Top 10 total 27.49%

Looking through the ETFs’ top holdings, several companies appear multiple times, creating hidden concentration. NVIDIA, Broadcom, Apple, Microsoft, the two Alphabet share classes, Amazon, Micron, AMD, and TSMC all show up across different funds, with NVIDIA alone adding up to nearly 8% of the portfolio. Because overlap is calculated only from ETF top-10 lists, true concentration is likely higher than reported. This stacking effect means that while the portfolio holds many tickers via ETFs, a relatively small group of large growth and semiconductor names drives a significant share of performance. When those names do well, the portfolio can surge; when they struggle, the impact is felt across several funds simultaneously.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
High
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%

On factor exposures, the clear standout is momentum at 62%, which indicates a notable tilt toward stocks that have recently performed strongly. Factor exposure is like checking which “character traits” the portfolio favors, such as cheapness (value) or past winners (momentum). A high momentum tilt can enhance returns when trends persist but can also hurt more when leadership suddenly rotates. Value exposure is relatively low at 36%, meaning there’s a mild tilt away from cheaper, more “bargain-priced” companies. Other factors such as size, quality, yield, and low volatility sit near neutral, so they resemble the broader market. Overall, this is a growth-and-momentum-driven profile rather than a balanced factor spread.

Risk contribution Info

  • VanEck Semiconductor ETF
    Weight: 12.50%
    19.7%
  • Technology Select Sector SPDR® Fund
    Weight: 12.50%
    14.5%
  • Invesco NASDAQ 100 ETF
    Weight: 12.50%
    13.2%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 12.50%
    13.1%
  • Invesco S&P 500® Momentum ETF
    Weight: 12.50%
    10.9%
  • Top 5 risk contribution 71.2%

Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ a lot from its simple weight. Here, the VanEck Semiconductor ETF is 12.5% of assets but contributes nearly 20% of total risk, meaning its volatility and correlations make it a key driver of swings. Together with the tech sector fund and the NASDAQ 100 ETF, the top three holdings account for over 47% of portfolio risk. That concentration lines up with the heavy tech and momentum story: a relatively small slice of thematic exposure can dominate the ride. This highlights how position sizing plus volatility determines risk, not weight alone.

Redundant positions Info

  • Technology Select Sector SPDR® Fund
    Schwab U.S. Large-Cap Growth ETF
    Invesco NASDAQ 100 ETF
    High correlation

The most tightly linked assets in the portfolio are the NASDAQ 100 ETF, the US large-cap growth ETF, and the tech sector fund, which move almost identically. Correlation measures how often investments move in the same direction; when it’s high, they tend to rise and fall together. Highly correlated positions may still be diversified in terms of number of holdings, but they don’t diversify behavior much during big market moves. In this case, these three funds likely hold overlapping sets of large US growth and tech stocks, which explains their similar patterns. As a result, they act like a cluster that reinforces both gains and losses rather than offsetting them.

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.

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The risk–return chart compares the current portfolio to an efficient frontier, which shows the best achievable return for each risk level using only the existing holdings in different weights. Right now, the portfolio’s Sharpe ratio—a measure of return per unit of risk—is 0.77, with volatility around 20%. The maximum Sharpe mix using these same ETFs would score about 1.04 with higher return and risk, while the minimum-variance mix offers lower risk with a Sharpe of 0.86. Because the current allocation sits about 2.4 percentage points below the frontier at its risk level, the data suggests that simply reweighting these funds could improve risk-adjusted efficiency without adding new investments.

Dividends Info

  • Invesco S&P International Developed Momentum ETF 3.60%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab International Equity ETF 3.10%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • VanEck Semiconductor ETF 0.20%
  • Invesco S&P 500® Momentum ETF 0.80%
  • Technology Select Sector SPDR® Fund 0.50%
  • Invesco S&P MidCap Momentum ETF 0.60%
  • Invesco S&P SmallCap Momentum ETF 0.50%
  • Weighted yield (per year) 1.21%

The portfolio’s overall dividend yield is about 1.21%, which is modest compared with many broad equity income strategies. Dividend yield is the annual cash payout relative to price, like a “rent” on your shares. Several international and broader ETFs here offer higher yields, but they are outweighed by growth and tech-oriented funds with low payouts, some below 1%. This pattern is typical for growth and momentum portfolios, where companies often reinvest earnings into expansion instead of distributing them as dividends. As a result, most of the portfolio’s return historically has come from price appreciation rather than steady income, which fits the overall high-growth, high-volatility character.

Ongoing product costs Info

  • Invesco S&P International Developed Momentum ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab International Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • VanEck Semiconductor ETF 0.35%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Technology Select Sector SPDR® Fund 0.09%
  • Invesco S&P MidCap Momentum ETF 0.34%
  • Invesco S&P SmallCap Momentum ETF 0.39%
  • Weighted costs total (per year) 0.18%

The weighted average ongoing charge (TER) across all ETFs is about 0.18% per year, which is impressively low for a portfolio that mixes broad market exposure with specialized momentum and sector funds. TER, or Total Expense Ratio, is the annual fee charged by a fund, similar to a small service charge deducted in the background. Lower costs mean more of the portfolio’s gross returns stay with the investor, and over many years that difference compounds meaningfully. Here, fees are close to what’s seen in many core index strategies, even though some thematic and semiconductor funds are more expensive individually. Overall, costs look like a strong supportive feature of this setup.

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