Growth focused stock portfolio with strong US tilt and meaningful exposure to mega cap innovators
Report created on May 5, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 35.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 25.00% -
VB Vanguard Small-Cap Growth Index Fund ETF Shares
VBK - US9229085959 10.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00% -
AM Amazon.com Inc
AMZN - US0231351067 6.67% -
ME Meta Platforms Inc.
META - US30303M1027 6.67% -
NV NVIDIA Corporation
NVDA - US67066G1040 6.66%
This portfolio is entirely in stocks, split between broad index ETFs and three large individual companies. Around 80% sits in diversified funds covering the total US market, Nasdaq 100, US small‑cap growth, and international stocks. The remaining 20% is concentrated in Amazon, Meta, and NVIDIA on top of their presence in the ETFs. This structure mixes broad market exposure with targeted bets on a few high-profile growth names. That combination can amplify both gains and losses compared with a pure index portfolio. The “growth” classification and mid‑range risk score reflect this tilt toward higher-return, higher-volatility assets while still using diversified funds as a core.
Growth
From late 2020 to May 2026, $1,000 grew to about $2,860, a compound annual growth rate (CAGR) of 20.92%. CAGR is the “average yearly speed” of growth over the whole period. This comfortably outpaced both the US market (15.45%) and global market (13.38%), showing strong historical upside. The flip side is a deeper max drawdown of -36.15%, meaning the portfolio once fell over a third from peak to bottom and took around two years to fully recover. That pattern—better returns with sharper drops—is typical for growth-tilted portfolios and shows how strong performance came with meaningful emotional and financial swings.
Projection
The Monte Carlo projection looks at many possible 15‑year futures by remixing past returns and volatility. It’s like running 1,000 alternate histories of this same style of portfolio. The median outcome grows $1,000 to about $2,719, with a wide “likely” range from roughly $1,764 to $4,204, and more extreme cases stretching between about $957 and $8,602. The average simulated annual return is 8.22%, but only 72.6% of simulations end positive. This highlights that even portfolios with strong past performance can have a broad spread of future outcomes. All of these numbers are model-based estimates, not promises, and depend heavily on historical patterns continuing.
Asset classes
- Stocks 100%
All of the portfolio sits in one asset class: equities. That means no bonds, cash substitutes, or alternative assets are included. Stocks historically have offered higher long-term returns than bonds but also larger and more frequent drawdowns. Because there’s no structural ballast from fixed income, the portfolio’s value is tightly linked to stock market moves, especially during sharp selloffs. Relative to broad multi‑asset benchmarks that mix in bonds, this all‑equity stance explains the higher volatility seen in the performance and risk metrics. It’s a straightforward, return-focused structure, but it relies entirely on stock markets for both growth and stability.
Sectors
- Technology 35%
- Consumer Discretionary 15%
- Telecommunications 15%
- Industrials 8%
- Financials 7%
- Health Care 7%
- Consumer Staples 4%
- Energy 3%
- Basic Materials 2%
- Utilities 2%
- Real Estate 2%
Sector exposure is clearly tilted toward growth-oriented areas: roughly 35% in technology, 15% in consumer discretionary, and 15% in telecommunications, with the rest spread across industrials, financials, health care, and smaller slices elsewhere. This is more tech and growth‑sector-heavy than a typical broad global index. Such a tilt often boosts returns during innovation booms or low interest rate environments, when investors favor future earnings. However, it can mean higher volatility if growth sectors fall out of favor, such as during rate hikes or regulatory shocks. The smaller allocations to defensives like consumer staples, utilities, and health care mean less natural cushioning in downturns.
Regions
- North America 90%
- Europe Developed 4%
- Japan 2%
- Asia Emerging 1%
- Asia Developed 1%
Geographically, about 90% of the portfolio is in North America, with only modest slices in developed Europe, Japan, and emerging Asia. That’s a noticeably stronger US tilt than global equity benchmarks, where non‑US markets make up a much larger share. A heavy home bias can work well when US markets outperform, as they have for much of the last decade, and it simplifies currency exposure for a US-based investor. At the same time, it leaves less exposure to different economic cycles, policy regimes, and currencies abroad. So diversification across countries is present but clearly secondary to the US growth engine.
Market capitalization
- Mega-cap 52%
- Large-cap 23%
- Mid-cap 15%
- Small-cap 8%
- Micro-cap 2%
Market cap exposure leans heavily toward mega‑caps at 52%, with another 23% in large‑caps, then smaller slices in mid, small, and micro‑caps. That means over three‑quarters of the portfolio is tied to the largest companies in the market. Large and mega‑caps tend to be more stable and liquid than smaller names, but they can also be more closely linked to broad index moves. The deliberate 10% allocation to small‑cap growth and the modest mid/small/micro exposure do add some diversification and higher-growth potential beneath the surface. Overall, though, performance will be dominated by how mega and large companies behave.
True holdings
-
Part of fund(s):
- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
Part of fund(s):
- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
Part of fund(s):
- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 3.82%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.86%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.92%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 1.68%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.65%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.42%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
WM Walmart Inc. 0.78%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Top 10 total 42.36%
Looking through the ETFs to their top holdings reveals meaningful overlap with your direct stocks. NVIDIA totals about 11.03% of the portfolio when combining the single stock and its presence in ETFs. Amazon reaches roughly 9.04%, and Meta around 8.16%. Apple, Microsoft, and Alphabet also show up through the ETFs, even without direct positions. This kind of overlap creates hidden concentration: several big names drive a large share of the portfolio’s behavior, even though holdings are spread across multiple funds. The coverage data is partial (top‑10 ETF positions only), so total overlap is likely a bit higher than reported here.
Factors
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.
Factor exposure is mostly balanced, with value mildly low at 35% and the other factors—size, momentum, quality, yield, and low volatility—hovering in the neutral 40–60% range. Factors are like underlying “personality traits” of stocks that research has linked to returns, such as cheapness (value) or stability (low volatility). The modest tilt away from value aligns with the growth orientation seen in the sector and stock choices. That usually means more sensitivity to changes in growth expectations and interest rates. The near‑neutral readings elsewhere suggest the portfolio behaves fairly similarly to the broad market on most other factor dimensions.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 35.00% 27.4% -
Invesco NASDAQ 100 ETF
Weight: 25.00% 25.7% -
NVIDIA Corporation
Weight: 6.66% 12.7% -
Meta Platforms Inc.
Weight: 6.67% 9.9% -
Vanguard Small-Cap Growth Index Fund ETF Shares
Weight: 10.00% 9.8% - Top 5 risk contribution 85.5%
Risk contribution shows how much each position adds to the portfolio’s overall ups and downs, which isn’t always proportional to its weight. The total US market ETF is 35% of the portfolio but contributes about 27.37% of risk, so it’s relatively stabilizing. By contrast, NVIDIA is only 6.66% by weight yet contributes 12.74% of risk, with a risk/weight ratio of 1.91, meaning it punches well above its size in volatility terms. The top three holdings together drive about 65.79% of total risk. This concentration of risk in a few positions explains why individual company news can have an outsized effect on the portfolio.
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 compares your current mix to other combinations of the same holdings along the efficient frontier. The current portfolio has a Sharpe ratio of 0.69, below both the minimum variance option (0.77) and the max‑Sharpe configuration (1.17). The Sharpe ratio measures risk-adjusted return—how much extra return you get per unit of volatility—using a 4% risk‑free rate. Being 5.32 percentage points below the efficient frontier at the same risk level means this exact weighting hasn’t historically been the most efficient use of these components. In theory, just reweighting the existing holdings could improve the tradeoff without adding new assets.
Dividends
- Meta Platforms Inc. 0.30%
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard Small-Cap Growth Index Fund ETF Shares 0.50%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 0.86%
The overall dividend yield is relatively low at 0.86%, with the highest income coming from the international ETF at about 2.80%. The large growth companies—Amazon, Meta, NVIDIA—either pay no dividend or very small ones, so most of their return has historically come from price appreciation. Dividends can provide a steadier, cash‑flow‑like component of total return, but growth‑oriented portfolios often accept a lower yield in exchange for higher reinvestment in business expansion. Here, that pattern is very clear: the portfolio is set up so that any long‑term payoff is expected primarily through share price movements rather than regular income.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard Small-Cap Growth Index Fund ETF Shares 0.07%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.06%
The portfolio’s costs are impressively low, with a combined TER of about 0.06%. TER, or total expense ratio, is the annual fee charged by the ETFs as a percentage of invested assets. Individual stocks don’t have ongoing fund fees, so they don’t add to TER. Cost levels here are well below what many actively managed funds charge and align closely with low‑cost index investing best practices. Over long periods, even small fee differences can compound into meaningful amounts, so starting from such a low baseline is a structural advantage. The fee drag on returns in this setup is minimal, supporting long‑term compounding.
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