A growth tilted balanced portfolio with strong US focus and modest diversification beyond large cap stocks

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.

What type of investor this portfolio is suitable for

Balanced Investors

This kind of setup fits someone who is comfortable with moderate-to-high risk and is mainly chasing long-term growth rather than near-term stability or income. A typical fit would be an investor with a multi-decade horizon, like saving for retirement or building substantial wealth over time. Occasional drawdowns of 20–30% are accepted as part of the journey, provided the overall trajectory is upward. They’re usually fine with a strong tilt toward US markets and large companies, and they value simplicity, low costs, and staying close to mainstream indices. Short-term spending needs or a strong desire for steady income would usually not be the primary focus here.

Positions

  • Vanguard S&P 500 ETF
    VOO - US9229083632
    50.00%
  • Invesco NASDAQ 100 ETF
    QQQM - US46138G6492
    15.00%
  • Invesco S&P 500® Momentum ETF
    SPMO - US46138E3392
    15.00%
  • Vanguard Dividend Appreciation Index Fund ETF Shares
    VIG - US9219088443
    10.00%
  • Vanguard Total International Stock Index Fund ETF Shares
    VXUS - US9219097683
    10.00%

This portfolio is built almost entirely from stock ETFs, with half in a broad US index and the rest tilted toward growth, momentum, dividends, and a smaller slice of international stocks. For a “balanced” risk profile, this is quite equity-heavy, but internally it is well-structured and easy to understand. A broad core plus a few tilts is a clean design that keeps things manageable. This structure can work well for long-term growth, but it does lean more aggressive than many balanced mixes that usually include some bonds or cash. If a smoother ride matters, gradually adding a stabilizing component could bring the overall profile closer to a classic balanced approach.

Growth Info

Historically, this mix has delivered a strong compound annual growth rate (CAGR) of about 15.9%. CAGR is basically your “average speed” per year over time, even if markets were bumpy along the way. A -25% max drawdown means that at one point the portfolio was roughly a quarter below a previous peak, which is normal for equity-heavy setups but still emotionally tough. The fact that 90% of returns came from only 25 days highlights how a few big days drive long-term results. This aligns with broad equity benchmarks: high growth, but you have to sit through volatility and stay invested during sharp rebounds.

Projection Info

The Monte Carlo analysis, which runs 1,000 simulated futures using historical patterns, shows a wide but generally positive range of outcomes. At the 5th percentile, the portfolio ends around 125.8% of the starting value, while the median (50th percentile) is about 678.4%, and the 67th percentile is around 931.5%. Monte Carlo is like rolling the dice on thousands of alternate market histories; it’s not a prediction, just a stress test using past data. With 998 of 1,000 simulations positive and an average simulated annual return near 16.8%, the growth potential looks strong, but these numbers still can’t guarantee anything in real markets.

Asset classes Info

  • Stocks
    99%
  • Cash
    0%
  • Other
    0%
  • No data
    0%

Almost 99% of this portfolio sits in stocks, with essentially no bonds, cash, or alternatives. This is very different from many “balanced” benchmarks, which often hold a sizable portion in bonds or other lower-volatility assets to smooth returns. A stock-only mix maximizes exposure to long-term growth but also maximizes exposure to equity drawdowns. This is why the risk score sits in the mid-to-upper range. The structure is perfectly coherent for a growth investor, and it’s impressively simple, but anyone wanting more stability could think about layering in some lower-risk assets over time to dampen big swings without abandoning the growth mindset.

Sectors Info

  • Technology
    36%
  • Financials
    14%
  • Telecommunications
    11%
  • Consumer Discretionary
    9%
  • Health Care
    8%
  • Industrials
    8%
  • Consumer Staples
    6%
  • Utilities
    2%
  • Energy
    2%
  • Basic Materials
    2%
  • Real Estate
    1%

Sector exposure is clearly tilted toward technology, with meaningful allocations also in financials, communication services, consumer-related areas, healthcare, and industrials. This is actually pretty similar to many large US equity benchmarks today, which are also tech-heavy, so the alignment with common indices is strong. Tech and related growth sectors tend to shine when growth is rewarded and interest rates are stable or falling, but they can be more volatile when rates rise or sentiment turns. The presence of dividend and broader index funds helps keep exposure to defensive areas like consumer staples and utilities. Overall, this sector mix is modern and growth focused, but it does lean on tech-driven themes.

Regions Info

  • North America
    90%
  • Europe Developed
    4%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%
  • Australasia
    0%
  • Africa/Middle East
    0%
  • Latin America
    0%
  • Europe Emerging
    0%

Geographically, around 90% sits in North America, with just a modest slice in developed Europe and parts of Asia. That’s a clear home bias toward the US, which many investors share and which has actually helped over the last decade as US markets have outperformed many others. Common global benchmarks usually have somewhat more non-US exposure, so the portfolio is more concentrated than a typical world market allocation. This strong US tilt keeps things familiar and aligned with a major benchmark like a broad US index, but it does mean outcomes are heavily tied to how the US market behaves. Gradual increases in global exposure could further spread regional risk if desired.

Market capitalization Info

  • Mega-cap
    45%
  • Large-cap
    37%
  • Mid-cap
    16%
  • Small-cap
    1%
  • Micro-cap
    0%

Market capitalization exposure is dominated by mega and large companies, with a smaller, but still meaningful, dose of mid caps and very little in small caps. This is extremely typical of broad index-based strategies and matches many standard benchmarks, which are also heavily skewed to the largest companies. Large and mega caps tend to be more stable and more widely analyzed, which can reduce some business-specific risk compared with smaller firms. The limited small-cap slice means there is less exposure to the higher volatility and potentially higher long-term growth that smaller companies can offer. Still, this large-cap tilt is very much in line with mainstream, best-practice index investing.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.40%
  • Invesco S&P 500® Momentum ETF 0.50%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 1.60%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.20%
  • Weighted yield (per year) 1.16%

The portfolio’s total dividend yield of about 1.16% is on the low side, reflecting its growth-oriented tilt. Yield is simply the cash paid out each year as a percentage of your investment. The dedicated dividend ETF and international fund have higher yields, which help a bit, but the big weights in growth and momentum-leaning funds naturally pull the overall income down. This is completely fine for investors focused on compounding over time rather than current cash flow. For income-focused goals, though, this setup is light on regular payouts and more reliant on price appreciation. As it stands, the mix is nicely aligned with a total-return and growth-first mindset.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.07%

The overall cost level is excellent, with a total expense ratio around 0.07%. The expense ratio is the yearly fee charged by the funds, and keeping it low is one of the easiest ways to improve long-term results without taking more risk. This cost profile compares very favorably to many actively managed portfolios and even to some other passive combinations. The largest positions are in some of the cheapest funds, which is exactly what you’d want to see. This cost-conscious design strongly supports compounding, especially over multi-decade horizons, and is a clear strength that’s fully aligned with best practices in long-term investing.

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.

In terms of risk versus return, this mix appears to sit on the aggressive side of a potential Efficient Frontier built from these specific ETFs. The Efficient Frontier is just a set of portfolios that offer the best possible trade-off between risk and expected return using the same building blocks. Within these funds, small shifts toward the broader core and away from highly concentrated tilts could slightly lower volatility without dramatically cutting growth potential. It’s important to remember that “efficient” here only means best risk-return ratio, not necessarily maximum diversification, highest income, or lowest drawdown, so the ideal point depends on how much bumpiness feels acceptable relative to the growth target.

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.