Growth focused equity portfolio with heavy technology tilt and strong historical performance for patient investors
as of Mar 18, 2026Risk 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.
What type of investor this portfolio is suitable for
Balanced Investors
An investor who fits this style is comfortable with significant short-term swings and prioritizes long-term growth over stability or income. They likely have a multi-decade horizon, such as saving for retirement or long-range wealth building, and do not need to draw heavily from the portfolio during market downturns. This person tends to accept volatility as the “price of admission” for higher expected returns and can stick with a plan through bear markets. They value diversification across regions and company sizes but are also willing to lean into growth engines like technology and small caps. A disciplined, patient temperament is essential here.
Positions
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Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.83% -
Vanguard FTSE Developed Markets Index Fund ETF Shares
VEA - US9219438580 20.83% -
Vanguard S&P 500 ETF
VOO - US9229083632 20.83% -
Fidelity® MSCI Information Technology Index ETF
FTEC - US3160928087 12.50% -
Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 8.34% -
iShares MSCI Japan ETF
EWJ - US46434G8226 8.34% -
iShares Core MSCI Emerging Markets ETF
IEMG - US46434G1031 8.33%
This portfolio is a pure equity mix with seven stock ETFs and no bonds or cash, so it’s fully growth‑oriented. The three core positions in broad developed and US markets each sit around 21%, forming a solid foundation. Around 12.5% is in a dedicated technology fund, adding extra growth and volatility, while roughly 8% each in small-cap value, Japan, and emerging markets bring some style and regional diversification. A structure like this is designed for long-term capital growth, not short-term stability or income. The main takeaway is that this setup suits someone comfortable with equity market swings and willing to ride out downturns to pursue higher long-run returns.
True holdings
-
NVIDIA Corporation 5.69%Part of fund(s):
- Fidelity® MSCI Information Technology Index ETF
- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard FTSE Developed Markets Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
Apple Inc 4.84%Part of fund(s):
- Fidelity® MSCI Information Technology Index ETF
- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard FTSE Developed Markets Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
Microsoft Corporation 3.59%Part of fund(s):
- Fidelity® MSCI Information Technology Index ETF
- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard FTSE Developed Markets Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
Broadcom Inc 1.74%Part of fund(s):
- Fidelity® MSCI Information Technology Index ETF
- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard Dividend Appreciation Index Fund ETF Shares
- Vanguard FTSE Developed Markets Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
Amazon.com Inc 1.64%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard FTSE Developed Markets Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
Alphabet Inc Class A 1.37%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard FTSE Developed Markets Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
Meta Platforms Inc. 1.25%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard FTSE Developed Markets Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
Tesla Inc 1.21%Part of fund(s):
- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Broad Market ETF
- Vanguard FTSE Developed Markets Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
Alphabet Inc Class C 1.19%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard FTSE Developed Markets Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
Micron Technology Inc 1.01%Part of fund(s):
- Fidelity® MSCI Information Technology Index ETF
- Invesco NASDAQ 100 ETF
- Schwab U.S. Broad Market ETF
- Vanguard FTSE Developed Markets Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Top 10 total 23.53%
Looking through the ETFs, there’s notable concentration in a handful of mega-cap tech names: NVIDIA, Apple, Microsoft, Broadcom, Amazon, Alphabet, Meta, Tesla, and Micron together make up a meaningful chunk of the portfolio. These names appear across multiple ETFs, particularly the NASDAQ 100, S&P 500, tech, and developed markets funds, creating hidden overlap. Because only ETF top-10 holdings are included, real overlap is likely higher. This overlap isn’t automatically bad; these companies have driven much of recent market returns. But it does mean portfolio behavior will be strongly linked to how a small set of big tech and growth names perform, especially in sharp rotations.
Growth
Historically, the portfolio has delivered a 14.55% CAGR, meaning your money would have grown about 14.55% per year on average. That’s strong and likely ahead of broad global benchmarks like the MSCI ACWI and often competitive with or above the S&P 500 over similar periods. The max drawdown of -27.8% shows it can fall sharply but not catastrophically compared with typical equity bear markets. Only 22 days accounted for 90% of returns, underscoring how a few big days drive long-term outcomes. The key lesson: staying invested through volatility has historically been crucial; trying to time those “good days” is extremely hard.
Projection
The Monte Carlo analysis runs 1,000 simulated futures using historical return and volatility patterns to estimate a range of possible outcomes. Think of it as replaying market history with the same “weather,” but in different sequences, to see what might happen. The median outcome (50th percentile) shows growth to about 515.7% of current value, while the pessimistic 5th percentile still ends around 70.8%. The average simulated annual return of 15.64% is high but based on past data, which may not repeat. The main takeaway: the distribution skews positive, but the downside tails remind you that meaningful drawdowns are very possible along the way.
Asset classes
- Stocks 100%
- Cash 0%
- Other 0%
- No data 0%
All investable assets here are stocks: 100% equities, 0% bonds, 0% cash. Compared with typical “balanced” or global 60/40 mixes, this is much more aggressive, even if the risk score labels it “Profile_Balanced.” Pure equity allocations maximize long-run growth potential but also maximize exposure to equity bear markets. Without bonds or cash, there’s no dedicated shock absorber to cushion big drawdowns or to rebalance from during crashes. For someone with a long horizon and stable income outside the portfolio, this can still be reasonable. For anyone needing short- to medium-term spending, some defensive assets would usually be helpful.
Sectors
- Technology 37%
- Financials 13%
- Industrials 11%
- Consumer Discretionary 10%
- Telecommunications 8%
- Health Care 6%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 1%
Sector-wise, technology dominates at 37%, with financials, industrials, consumer cyclicals, and communication services making up most of the rest. Compared with a broad global benchmark, this is clearly tech-heavy, partly because of explicit tech ETFs and the NASDAQ 100 tilt. Tech concentration can be great when innovation and growth stocks are in favor, but it tends to be more sensitive to interest rate moves and sentiment shifts. The positive side is that the portfolio is still invested across many sectors, not just tech. The key question is whether such a strong technology bias matches the intended risk appetite and comfort with potential sharp drawdowns.
Regions
- North America 64%
- Japan 13%
- Europe Developed 11%
- Asia Developed 5%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
- Europe Emerging 0%
Geographically, about 64% is in North America, which is broadly in line with or slightly above global market-cap weights, and gives strong exposure to large, innovative companies. Added allocations to Japan (13%), developed Europe (11%), and emerging Asia provide decent international diversification. This is actually well balanced versus many US-heavy portfolios that hold 70–80% domestically. The benefit is reduced reliance on a single country or region while still leaning into the US engine of returns. The trade-off is currency and regional economic risk, but overall, this geographic mix looks thoughtfully diversified and aligns closely with global standards.
Market capitalization
- Mega-cap 46%
- Large-cap 29%
- Mid-cap 13%
- Small-cap 7%
- Micro-cap 4%
By market cap, the portfolio leans strongly to mega and large caps: 46% mega, 29% big, with 13% medium and around 11% combined in small and micro caps. This is similar to a global market-cap approach but with an extra small-cap value slice. Large and mega caps typically provide more stability, liquidity, and business diversification, while the small and micro exposure can add higher potential returns and higher volatility. This blend supports a core-and-satellite style: stable big names at the core, with smaller companies adding some punch. The added small-cap value ETF is a deliberate move toward a known long-term return driver.
Factors
Factor exposure shows strong tilts toward size (85%), momentum (62.6%), and low volatility (55%). Factors are like underlying “personality traits” of stocks—value, size, momentum, etc.—that research has tied to long-run returns. A strong size tilt likely reflects the small-cap value ETF, which can outperform over decades but be more painful in slumps. Momentum exposure means the portfolio leans into recent winners, which can boost returns in trending markets but hurt during sharp reversals. Low volatility tilt can slightly soften drawdowns. Value exposure is moderate, and quality/yield signals aren’t available. Overall, this is a growth-tilted, factor-aware mix with some built-in diversification across styles.
Redundant positions
-
High correlationFidelity® MSCI Information Technology Index ETFInvesco NASDAQ 100 ETF
The portfolio holds several broad equity funds that naturally move together, and the analysis flags a particularly high correlation between the Fidelity tech ETF and the Invesco NASDAQ 100 ETF. Correlation measures how assets move relative to each other; highly correlated positions tend to rise and fall together, limiting diversification when markets get rough. Overlapping US large-cap and tech exposures mean that in a major tech selloff, multiple holdings would likely drop at the same time. This isn’t inherently bad, but it does mean diversification benefits are weaker than the number of tickers suggests. Trimming highly overlapping positions can sometimes improve the overall risk profile.
Risk contribution
-
Invesco NASDAQ 100 ETF
Weight: 20.83% 24.9% -
Vanguard S&P 500 ETF
Weight: 20.83% 19.3% -
Vanguard FTSE Developed Markets Index Fund ETF Shares
Weight: 20.83% 17.1% -
Fidelity® MSCI Information Technology Index ETF
Weight: 12.50% 16.6% -
Avantis® U.S. Small Cap Value ETF
Weight: 8.34% 8.6% - Top 3 risk contribution 61.3%
Risk contribution shows how much each holding drives overall volatility, which can differ from its simple weight. The Invesco NASDAQ 100 ETF is 20.83% of the portfolio but contributes 24.94% of the risk, and the dedicated tech ETF has an even higher risk‑to‑weight ratio of 1.33. The top three holdings together account for 61.3% of total portfolio risk, even though they’re only about 62.5% of the weight. This concentration is normal in equity portfolios but highlights that tech- and US-growth‑heavy funds are the main risk engines. Adjusting these weights would be the primary lever if the goal is to tame volatility without changing the underlying ETF lineup.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.80%
- iShares MSCI Japan ETF 4.30%
- Fidelity® MSCI Information Technology Index ETF 0.40%
- iShares Core MSCI Emerging Markets ETF 2.60%
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 3.10%
- Vanguard S&P 500 ETF 1.10%
- Weighted yield (per year) 1.75%
The blended dividend yield is about 1.75%, on the low side compared with many income-focused strategies but reasonable for a growth-leaning equity portfolio. Higher-yield pieces include developed ex-US and Japan ETFs, while NASDAQ 100 and tech positions pay minimal dividends. This aligns with a total-return mindset where most gains are expected from price appreciation, not payout income. For long-term accumulators reinvesting dividends, the lower yield is not necessarily a drawback. For someone seeking regular cash flow, though, this level of income would usually need to be supplemented by other assets or a periodic selling plan.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- iShares MSCI Japan ETF 0.50%
- Fidelity® MSCI Information Technology Index ETF 0.08%
- iShares Core MSCI Emerging Markets ETF 0.09%
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.13%
The total expense ratio is impressively low at about 0.13%, with core holdings like Vanguard S&P 500 and FTSE Developed Markets ETFs charging 0.03–0.05%. Even the more specialized funds, like small-cap value, stay at a reasonable 0.25%. Low costs matter because they’re one of the few things an investor can control, and small fee differences compound significantly over decades. Paying roughly 0.13% annually for a diversified, multi-factor global equity portfolio is very efficient and strongly supports better long-term performance. From a cost perspective, this setup is already in excellent shape and doesn’t need much tweaking.
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.
On a risk–return chart, the current portfolio would likely sit below the efficient frontier built from these same ETFs because of overlapping tech-heavy positions. The efficient frontier represents the best expected return for each risk level using different weight mixes. If the current weights are below that curve, it means reweighting existing holdings could improve the Sharpe ratio—essentially getting more return per unit of risk. The commentary about removing highly correlated assets reinforces this. Without adding new funds, simply reducing redundant tech-heavy exposure and redistributing toward underrepresented but complementary holdings could move the portfolio closer to the optimal mix.
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