Concentrated technology driven growth portfolio with strong past returns and focused US market exposure

Report created on Apr 21, 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

This portfolio is built mainly from individual growth stocks and broad US equity ETFs, with a single core bond fund and one target-date fund as diversifiers. Alphabet on its own is almost a quarter of the portfolio, and Amazon is just over 10%, so two companies drive more than a third of the total allocation. The remaining equity exposure is spread across large diversified index funds, a semiconductor ETF, a dividend ETF, and a few smaller satellite stock positions. This mix creates a “barbell” structure: a heavy concentration in a few growth names, sitting on top of a fairly diversified core of broad US funds plus a modest bond allocation. That shape helps explain both the strong performance and the higher risk profile.

Growth Info

From mid‑2018 to April 2026, $1,000 in this portfolio grew to about $4,065, which is a compound annual growth rate (CAGR) of 19.96%. CAGR is like average speed on a road trip: it smooths the bumps to show long‑term pace. Over the same period, the US market returned 14.42% a year and the global market 11.77%, so this portfolio outpaced both by a wide margin. The trade‑off was a max drawdown of around ‑35%, slightly deeper than the benchmarks and lasting about two and a half years from peak to full recovery. Only 33 days made up 90% of returns, showing results were heavily driven by a small number of very strong days.

Projection Info

The Monte Carlo projection looks at many possible futures by “replaying” and reshuffling patterns from past returns. Think of it as running 1,000 alternate timelines based on the portfolio’s historical ups and downs. For a 15‑year horizon, the median outcome turns $1,000 into about $2,715, with most simulations landing between roughly $1,800 and $3,900, and a wider possible band from about $1,000 to $6,760. The overall average annualized return across simulations is 7.59% with about a 74% chance of ending above the starting value. These numbers are not promises; they just show the range of outcomes that would have been consistent with how this portfolio behaved in the past under many different market paths.

Asset classes Info

  • Stocks
    88%
  • Bonds
    12%

Asset allocation here is simple and clear: about 88% in stocks and 12% in bonds. That stock‑heavy mix is what you’d expect from a growth‑oriented portfolio aiming more at capital appreciation than steady income. Stocks tend to offer higher long‑term return potential but with bigger swings along the way, while bonds usually act as a stabilizer and can soften some equity drawdowns. Compared with broad “balanced” allocations, this portfolio has a noticeably higher equity share and therefore naturally carries more market sensitivity. At the same time, the presence of a total bond fund means the portfolio is not 100% exposed to equity volatility, giving at least a modest cushion during equity downturns and rate‑driven shocks.

Sectors Info

  • Telecommunications
    29%
  • Technology
    20%
  • Consumer Discretionary
    13%
  • Health Care
    10%
  • Financials
    5%
  • Industrials
    4%
  • Consumer Staples
    3%
  • Energy
    2%
  • Consumer Discretionary
    1%
  • Basic Materials
    1%
  • Utilities
    1%
  • Real Estate
    1%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is very tilted, with almost a third in telecommunications and another fifth in technology, then meaningful but smaller slices in consumer discretionary and health care, and much smaller weights elsewhere. This kind of concentration often appears when a handful of large growth companies dominate the equity side. Sector weightings matter because different parts of the economy react differently to interest rates, inflation, and business cycles. For example, tech‑ and communication‑heavy portfolios often benefit when growth stocks are in favor but can be more sensitive when rates rise or when investors rotate into more defensive or value‑oriented areas. The relatively low exposure to more defensive sectors means the portfolio’s behavior is likely closely tied to sentiment around innovative, growth‑driven businesses.

Regions Info

  • North America
    94%
  • Europe Developed
    3%
  • Asia Developed
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, roughly 94% of the portfolio is in North America, with only small allocations to Europe, developed Asia, and Latin America. This is much more home‑biased than global market benchmarks, where non‑US markets represent a large share of total world equity value. Geographic diversification matters because countries experience different economic cycles, policy decisions, and currency moves. A strong North America focus has been rewarding over the last decade as US markets have led global returns. However, it also means the portfolio’s equity risk is heavily linked to one economy and one currency. When US markets lead global downturns or when other regions outperform, a US‑centric portfolio tends to move more in sync with domestic conditions than with the broader world.

Market capitalization Info

  • Mega-cap
    54%
  • Large-cap
    22%
  • Mid-cap
    8%
  • Small-cap
    3%

This breakdown covers the equity portion of your portfolio only.

By market capitalization, the holdings lean strongly toward mega‑caps and large‑caps, which together make up over three‑quarters of the equity exposure. Mid‑caps and small‑caps are present but relatively modest. Market cap describes a company’s size; larger firms often have more diversified business lines and more stable earnings, while smaller ones can be more volatile but sometimes more sensitive to domestic growth trends. A mega‑cap tilt often means the portfolio behaves somewhat similarly to major indices that are also dominated by the biggest names. It can also reduce single‑company risk for those positions held through diversified funds, though in this portfolio direct holdings in a few very large firms reintroduce stock‑specific concentration on top of that index‑like foundation.

True holdings Info

  • Alphabet Inc Class C
    24.95%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    Direct holding 24.40%
  • Amazon.com Inc
    11.30%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    Direct holding 10.46%
  • NVIDIA Corporation
    4.67%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • VanEck Semiconductor ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
    Direct holding 1.58%
  • Tilray Inc
    2.06%
  • Apple Inc
    1.48%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    1.25%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • VanEck Semiconductor ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Roku Inc
    1.20%
  • Microsoft Corporation
    1.12%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Taiwan Semiconductor Manufacturing
    0.79%
    Part of fund(s):
    • VanEck Semiconductor ETF
  • Alphabet Inc Class A
    0.69%
    Part of fund(s):
    • SPDR S&P 500 ETF Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 49.51%

This breakdown covers the equity portion of your portfolio only.

Looking through the funds’ top holdings, overlap is a key story. Alphabet (Class C) has a total exposure of about 25%, mostly from the direct position but also via ETFs. Amazon’s combined exposure is about 11%, again strengthened by ETF holdings. NVIDIA appears at roughly 4.7% overall, mostly from ETFs, and big index names like Apple, Microsoft, and Taiwan Semiconductor show up in smaller but still noticeable weights. Overlap matters because it can hide concentration: the portfolio might appear diversified by fund count, but several of those funds own the same underlying giants. Note that this overlap is likely understated since only top‑10 ETF holdings are included, so actual concentration in popular index names is probably somewhat higher than reported.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 89%
Size
Exposure to smaller companies
Low
Data availability: 89%
Momentum
Exposure to recently outperforming stocks
High
Data availability: 89%
Quality
Preference for financially healthy companies
High
Data availability: 89%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 86%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 89%

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.

On factor exposure, this portfolio has high tilts toward momentum and quality, with low exposure to value and smaller‑size stocks. Factors are like underlying “personality traits” of investments that research has tied to long‑term returns. A strong momentum tilt means the portfolio leans into stocks that have been recent winners, which can amplify gains in trending bull markets but may increase vulnerability during sharp reversals when leaders fall out of favor. High quality exposure suggests a focus on companies with stronger balance sheets or profitability, which can sometimes offer resilience in downturns compared with lower‑quality peers. Meanwhile, the lower value and size exposures indicate less emphasis on cheaper or smaller companies, so performance is likely to track the fortunes of large, growth‑oriented leaders rather than traditional value or small‑cap cycles.

Risk contribution Info

  • Alphabet Inc Class C
    Weight: 24.40%
    32.2%
  • Amazon.com Inc
    Weight: 10.46%
    13.9%
  • VanEck Semiconductor ETF
    Weight: 7.32%
    10.5%
  • Vanguard S&P 500 ETF
    Weight: 8.55%
    7.6%
  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 7.36%
    6.7%
  • Top 5 risk contribution 70.9%

Risk contribution shows how much each holding adds to overall volatility, which can differ a lot from its weight. Here, Alphabet at 24.4% weight contributes about 32.2% of the portfolio’s total risk, and Amazon at 10.5% weight adds another 13.9%. The semiconductor ETF, at 7.3% weight, contributes over 10% of total risk. Combined, the top three holdings drive more than 56% of portfolio risk, even though they make up about 42% of the capital. That pattern is typical when concentrated positions are in more volatile, growth‑oriented names. In contrast, broad index funds like the Vanguard S&P 500 ETF and Total Stock Market ETF have risk contributions lower than or roughly proportional to their weights, acting as more stabilizing building blocks.

Redundant positions Info

  • Vanguard S&P 500 ETF
    SPDR S&P 500 ETF Trust
    Vanguard Total Stock Market Index Fund ETF Shares
    FIDELITY FREEDOM INDEX 2050 FUND INVESTOR CLASS
    High correlation

Several holdings are highly correlated, meaning they tend to move almost in lockstep. The S&P 500 ETF, the total US stock market ETF, and the target‑date index fund all show very high correlation with each other, reflecting their shared exposure to broad US equities. Correlation measures how similarly assets move; when it’s close to 1, they often rise and fall together, limiting diversification benefits. In practice, this means owning multiple broad US equity funds here mainly layers similar risk rather than introducing truly different return drivers. During strong US bull markets, that alignment can reinforce gains. But in US‑led downturns, these correlated positions are likely to decline at the same time, so they don’t provide much cushion relative to each other.

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‑return chart shows the current portfolio has a Sharpe ratio of 0.73, with expected return around 19% and volatility just above 20%. The Sharpe ratio measures return per unit of risk, using a risk‑free rate as a baseline; higher is better on a risk‑adjusted basis. The efficient frontier curve shows the best trade‑offs possible using only the existing holdings in different weights. Here, the current mix sits about 6.1 percentage points below that frontier, meaning it’s not using these ingredients as efficiently as possible. An “optimal” mix of the same holdings would have a much higher Sharpe ratio but also significantly higher volatility, while the minimum‑variance mix would dramatically shrink risk and expected return. So the current allocation lands in a middle zone: clearly growth‑tilted, but not mathematically optimal for this particular risk level.

Dividends Info

  • Fidelity® MSCI Health Care Index ETF 1.40%
  • FIDELITY FREEDOM INDEX 2050 FUND INVESTOR CLASS 1.90%
  • FIDELITY TOTAL BOND FUND FIDELITY TOTAL BOND FUND 4.00%
  • Alphabet Inc Class C 0.30%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • VanEck Semiconductor ETF 0.20%
  • SPDR S&P 500 ETF Trust 0.80%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Weighted yield (per year) 1.21%

The portfolio’s overall dividend yield is about 1.21%, which is modest and in line with a growth‑oriented structure. Dividend yield is the yearly cash payout as a percentage of the investment value. Most of the yield comes from the bond fund, the dividend equity ETF, and to a lesser extent the target‑date and health care fund. Many of the core growth names, like Alphabet and Amazon, pay no or very low dividends, so returns historically have come mostly from price appreciation rather than income. This setup means the portfolio is geared more toward long‑term capital growth than regular cash flow. In years when market prices are flat or negative, the relatively low income component may offer less of a buffer compared with higher‑yielding income‑focused portfolios.

Ongoing product costs Info

  • Fidelity® MSCI Health Care Index ETF 0.08%
  • FIDELITY FREEDOM INDEX 2050 FUND INVESTOR CLASS 0.12%
  • FIDELITY TOTAL BOND FUND FIDELITY TOTAL BOND FUND 0.45%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • VanEck Semiconductor ETF 0.35%
  • SPDR S&P 500 ETF Trust 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Weighted costs total (per year) 0.10%

On costs, the portfolio is in a very healthy place. The overall total expense ratio (TER) across the funds is about 0.10% a year, which is impressively low and well below what many actively managed portfolios charge. TER is like a small annual “membership fee” that gets quietly deducted from fund assets. Most ETFs here sit at the low end of the fee spectrum, with broad index funds at 0.03% and the dividend and health care funds also very cheap. The main outlier is the total bond fund at 0.45%, still reasonable but higher than the rest. Keeping average costs this low helps more of the portfolio’s gross return stay in the account over time, and that gap compounds meaningfully across many years.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey