Highly concentrated US growth portfolio with strong tech focus and speculative risk profile

Report created on Apr 25, 2026

Risk profile Info

7/7
Speculative
Less risk More risk

Diversification profile Info

2/5
Low Diversity
Less diversification More diversification

Positions

This portfolio is a tightly focused collection of 15 individual US-listed stocks, with no funds or bonds. The top three positions alone—UnitedHealth, NVIDIA, and Apple—add up to over half of the total weight, so results are heavily shaped by just a few companies. Everything is in equities, which means full exposure to stock market ups and downs without the dampening effect of cash or bonds. A structure like this can deliver very strong gains when the chosen names do well, but it also means that bad news in a handful of companies has an outsized impact on the whole portfolio’s value.

Growth Info

Over the period shown, $1,000 grew to about $3,982, far outpacing both the US and global market benchmarks. The portfolio’s Compound Annual Growth Rate (CAGR) of around 70.7% is extremely high compared with roughly 20.8% for the US market. CAGR is like average speed on a road trip, smoothing out bumps along the way. The trade-off is a max drawdown of about -29%, meaning the portfolio lost nearly a third from peak to trough at one point. Only 18 days generated 90% of returns, underlining how heavily performance relied on a few big market moves.

Projection Info

The Monte Carlo projection uses historical behavior and volatility of this portfolio to simulate many possible future paths, like running thousands of “what if” scenarios. A median outcome of roughly $2,920 from an initial $1,000 over 15 years implies a solid long-term growth expectation, but the wide possible range—from about $967 to $8,456—shows how uncertain equity outcomes can be. Monte Carlo doesn’t predict exactly what will happen; it just illustrates the spread of potential futures if markets behave somewhat like the past. As always, past patterns don’t guarantee similar results, particularly for a concentrated stock portfolio.

Asset classes Info

  • Stocks
    100%

All of the portfolio is in stocks, with 0% in bonds, cash, or alternative assets. That makes it a pure equity portfolio, fully tied to corporate earnings and market sentiment. Equities historically have offered higher long-term returns than bonds, but with sharper swings along the way. Because there are no stabilizing assets here, any market-wide equity downturn will be felt directly and immediately in the portfolio value. This all-stock approach is common for growth-focused investors, but it naturally comes with more pronounced volatility than a mix that includes income-oriented or defensive asset classes.

Sectors Info

  • Technology
    44%
  • Health Care
    21%
  • Telecommunications
    12%
  • Consumer Discretionary
    11%
  • Energy
    8%
  • Industrials
    4%

Sector-wise, technology is the dominant theme at 44%, followed by health care at 21%, then telecommunications and consumer discretionary. Energy and industrials play smaller roles. Compared with broad market benchmarks, this is a clear tilt toward tech and growth-oriented areas, with less presence in more defensive or slower-moving sectors. Tech-heavy portfolios often respond strongly to changes in interest rates, innovation cycles, and sentiment around future earnings. When conditions favor growth and innovation, this can drive standout performance; during periods of rising rates or shifting regulation, the same tilt can amplify downside moves.

Regions Info

  • North America
    99%
  • Europe Developed
    1%

Geographically, the portfolio is almost entirely concentrated in North America at 99%, with only a small 1% slice in developed Europe. That means the portfolio’s fortunes are closely linked to the US economy, US interest rates, and the US dollar. The global stock market is more regionally diversified, with significant exposure to other major economies. Being highly focused on one region simplifies currency exposure but reduces diversification across different economic cycles and policy environments. If US markets underperform other regions for a stretch, this portfolio would likely feel that more than a more globally spread allocation.

Market capitalization Info

  • Mega-cap
    77%
  • Large-cap
    21%
  • Mid-cap
    2%

By market capitalization, this portfolio is overwhelmingly tilted toward mega-cap and large-cap companies, with 98% in those buckets and only a small 2% in mid-caps. Mega-caps are the largest, most established firms, often with strong brands and deep resources, which can provide some stability compared with smaller stocks. At the same time, these giants can be widely owned and heavily influenced by broad index flows and macro news. The limited mid-cap exposure means less participation in that segment’s sometimes faster growth but also less of the additional volatility that can come with smaller companies.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 100%
Size
Exposure to smaller companies
Very low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
High
Data availability: 100%
Yield
Preference for dividend-paying stocks
Low
Data availability: 74%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

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.

The most notable factor signal is a very low exposure to the Size factor, meaning a strong tilt away from smaller companies and toward larger ones. Factor exposure is like examining the ingredients that drive returns—size, value, momentum, and so on—rather than just looking at tickers. A low size score suggests the portfolio will behave more like a large-cap growth basket than a broad market that includes more smaller firms. That can help when big, established companies lead the market, but may lag when smaller, more nimble businesses drive performance. Other factors sit closer to neutral or mildly tilted.

Risk contribution Info

  • Ast Spacemobile Inc
    Weight: 8.51%
    25.7%
  • NVIDIA Corporation
    Weight: 16.91%
    22.1%
  • UnitedHealth Group Incorporated
    Weight: 20.72%
    9.9%
  • Tesla Inc
    Weight: 6.32%
    8.5%
  • Apple Inc
    Weight: 14.37%
    8.1%
  • Top 5 risk contribution 74.2%

Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can be very different from its weight. Ast Spacemobile, at about 8.5% weight, contributes over a quarter of total risk—roughly three times more risk than its size would suggest—highlighting how volatile it is. NVIDIA also contributes a large share of risk relative to its allocation, while UnitedHealth, despite being the largest position, adds comparatively less risk. With the top three holdings driving nearly 58% of overall risk, the portfolio’s behavior is heavily influenced by a few names’ day-to-day movements.

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 efficient frontier analysis compares this portfolio’s risk/return mix with the best combinations possible using the same holdings. The current portfolio sits below the frontier, with a Sharpe ratio of 1.62 versus 2.42 for the optimal mix. The Sharpe ratio measures return per unit of risk, like getting paid for each unit of volatility endured. Being 14.44 percentage points below the frontier at the current risk level suggests that different weightings of these same stocks could historically have produced better risk-adjusted results. This doesn’t add new assets—just highlights theoretical improvements from rebalancing among existing positions.

Dividends Info

  • Apple Inc 0.40%
  • Comfort Systems USA Inc 0.10%
  • Meta Platforms Inc. 0.30%
  • Microsoft Corporation 0.80%
  • Phillips 66 3.00%
  • Quanta Services Inc 0.10%
  • UnitedHealth Group Incorporated 2.50%
  • Weighted yield (per year) 0.86%

Overall, this is a low-yielding portfolio, with a total dividend yield of about 0.86%. A few holdings—Phillips 66 and UnitedHealth in particular—provide most of the income, while many others either pay very small dividends or none at all. Dividends can act like a “paycheck” from investments, contributing to total return, especially in quieter markets. Here, the emphasis is clearly on capital growth rather than income. That means most of the return experience will come from price movements and earnings growth expectations rather than regular cash distributions landing in the account.

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