Growth focused US tilted portfolio with strong tech exposure and selective global satellite bets
as of Mar 19, 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
Growth Investors
This kind of portfolio fits an investor with a high risk tolerance, long time horizon, and strong focus on growth over income. Short-term volatility, including 20–30% drawdowns, would need to be emotionally and financially tolerable, as the absence of bonds or cash buffers amplifies market swings. Goals might include long-term wealth building, early retirement, or significantly growing an already-solid base of capital. Patience and discipline are key traits, especially when heavily owned tech and growth names go through inevitable rough patches. Someone using a strategy like this typically thinks in 10–20+ year terms, is comfortable with global diversification around a US core, and is willing to periodically tweak allocations to keep risk, factor tilts, and diversification aligned with evolving life circumstances.
Positions
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Vanguard S&P 500 ETF
VOO - US9229083632 35.00% -
Invesco NASDAQ 100 ETF
QQQM - US46138G6492 25.00% -
Avantis® International Small Cap Value ETF
AVDV - US0250728021 5.00% -
Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 5.00% -
WisdomTree Japan Hedged Equity Fund
DXJ - US97717W8516 5.00% -
iShares MSCI South Africa ETF
EZA - US4642867802 5.00% -
Franklin FTSE Canada ETF
FLCA - US35473P8279 5.00% -
Global X U.S. Infrastructure Development ETF
PAVE - US37954Y6730 4.00% -
Invesco PHLX Semiconductor ETF
SOXQ - US46138G6153 4.00% -
SPDR® S&P Aerospace & Defense ETF
XAR - US78464A6313 4.00% -
VanEck Uranium+Nuclear Energy ETF
NLR - US92189F6016 3.00%
The structure is clearly growth-oriented: 60% in broad US large-cap ETFs, 20% in focused US thematic plays, and 20% in satellite international and factor-tilt funds. Everything is in equities, with no bonds or cash, which pushes risk and potential return higher. This all-stock mix fits a “Profile_Growth” setup and naturally leads to more volatility than a blended stock–bond portfolio. The mix of broad core funds plus smaller satellites is a solid, commonly used framework. The key question is whether the aggressive 100% equity stance and fairly punchy tilts to tech and cyclicals match the time horizon and comfort level with big swings.
True holdings
-
NVIDIA Corporation 5.20%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Invesco PHLX Semiconductor ETF
- Vanguard S&P 500 ETF
-
Apple Inc 4.16%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
Microsoft Corporation 3.20%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
Amazon.com Inc 2.32%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
Broadcom Inc 1.96%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Invesco PHLX Semiconductor ETF
- Vanguard S&P 500 ETF
-
Alphabet Inc Class A 1.95%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
Meta Platforms Inc. 1.74%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
Alphabet Inc Class C 1.67%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
Tesla Inc 1.64%Part of fund(s):
- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
Micron Technology Inc 1.19%Part of fund(s):
- Invesco NASDAQ 100 ETF
- Invesco PHLX Semiconductor ETF
- Vanguard S&P 500 ETF
- Top 10 total 25.04%
Looking through to the underlying holdings, the portfolio is heavily exposed to mega-cap US growth names: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Tesla, and Broadcom are all among the top look-through positions. Many appear through both the S&P 500 and NASDAQ 100 ETFs, plus the dedicated semiconductor fund, creating hidden concentration in a relatively small group of tech and communication giants. Overlap is likely understated because only ETF top-10s are included. This concentration can turbocharge returns when these leaders are winning but also ties portfolio outcomes closely to their fortunes. Being aware of this reliance helps set expectations and decide whether that level of dependence on a few names is truly intentional.
Growth
Historically, the portfolio has delivered a 14.59% CAGR, meaning it has grown about 14.6% per year on average over the backtest period. That’s in the ballpark of, or slightly above, long-term US equity returns and would likely stack up well against both the S&P 500 and global “market” benchmarks. The max drawdown of -25.25% is meaningful but not extreme for an all-equity, growth-leaning mix; broad markets have seen 30–50% drawdowns in severe bear markets. Only 19 days made up 90% of returns, showing how a small number of big up days drive long-term growth. Missing those days can significantly hurt outcomes, which argues for staying consistently invested rather than trying to time entries and exits.
Projection
The Monte Carlo analysis runs 1,000 simulated futures using historical return and volatility patterns as ingredients. It doesn’t predict the future but shows a range of plausible outcomes. In these simulations, the median ending value is about 683% of the starting amount, with a 5th percentile of about 80% and a higher percentile above 1,000%. That spread highlights how wide potential paths can be for a growth-heavy portfolio. The very high share of simulations with positive returns (989 out of 1,000) reflects strong historical inputs, but past conditions may not repeat. These projections are best seen as a rough weather forecast: useful for understanding risk and reward ranges, not as a promise.
Asset classes
- Stocks 100%
- Cash 0%
- Other 0%
All assets are stocks: 100% equity, 0% bonds, and 0% cash or alternatives. Compared with many diversified benchmarks that hold some bonds or defensive assets, this pushes the portfolio firmly into higher-risk territory. Equities historically deliver higher long-term returns than bonds but also larger and more frequent drawdowns. For someone with a long horizon and high risk tolerance, this all-stock stance can be appropriate and is consistent with a growth profile. For shorter horizons or lower tolerance for big swings, even a modest bond or cash allocation can help smooth the ride. As it stands, the portfolio’s return potential is strong, but its ability to cushion large market selloffs is limited.
Sectors
- Technology 30%
- Industrials 15%
- Financials 11%
- Consumer Discretionary 10%
- Telecommunications 9%
- Basic Materials 6%
- Health Care 5%
- Energy 5%
- Consumer Staples 5%
- Utilities 3%
- Real Estate 1%
Sector exposure is tech-heavy at 30%, with meaningful allocations to industrials (15%), financials (11%), consumer cyclicals (10%), and communication services (9%). Smaller but still notable slices go to basic materials, healthcare, energy, consumer defensive, and utilities, with real estate minimal. Compared to broad global benchmarks, this setup leans harder into technology and cyclical sectors and less into defensives. That tilt fits a growth posture and has paid off in recent years as tech outperformed. However, tech and cyclicals can be more sensitive to interest rate moves and economic slowdowns. The presence of industrials, energy, and materials via infrastructure, aerospace, defense, and uranium funds adds a real-economy angle that can help if old-economy sectors lead for a while.
Regions
- North America 84%
- Japan 7%
- Africa/Middle East 5%
- Europe Developed 3%
- Australasia 1%
- Asia Emerging 1%
- Asia Developed 0%
- Latin America 0%
- Europe Emerging 0%
Geographically, about 84% sits in North America, mainly the US, with 7% in Japan, 5% in South Africa, 3% in developed Europe, and small slivers in Australasia and emerging Asia. That US tilt is common for American investors and has been rewarding over the last decade as US markets outpaced many others. The targeted positions in Japan, South Africa, and Canada introduce some diversification and exposure to different economic cycles and currencies, though the Japan fund is hedged against currency swings. Compared to global equity benchmarks, non-US exposure is still relatively modest. That means long-term outcomes will be driven mostly by US market performance, with international holdings acting as satellites rather than equal pillars.
Market capitalization
- Mega-cap 36%
- Large-cap 31%
- Mid-cap 22%
- Small-cap 8%
- Micro-cap 3%
By market cap, the portfolio is dominated by larger companies: 36% mega-cap, 31% big, 22% mid, 8% small, and 3% micro. This mirrors the broad equity market’s heavy tilt toward giants but adds a noticeable sleeve of smaller firms via the Avantis small-cap value funds and some sector ETFs. Large and mega caps tend to be more stable, better known, and less volatile than tiny companies, which helps moderate risk somewhat despite the all-equity stance. The small and micro exposures introduce higher growth potential and stronger factor tilts but can be bumpier. Overall, this size mix is well balanced for a growth investor, combining the stability of market leaders with some punch from smaller names.
Factors
Factor exposure shows strong tilts to size (85%), yield (85%), and momentum (64.4%), with moderate exposure to low volatility (54.7%) and limited data for quality. Factors are like underlying “ingredients” such as cheapness, trend, or stability that explain why some stocks behave differently from others. The strong size and yield tilt likely comes from the small-cap value ETFs and some international allocations, while momentum tilt comes from the big US growth and tech winners. This mix can work very well when trends persist and value or income come back into favor. However, factor cycles can reverse, and the portfolio may lag if recent winners cool off or if small/value go through a rough patch, which they periodically do.
Redundant positions
-
High correlationVanguard S&P 500 ETFInvesco NASDAQ 100 ETF
The S&P 500 and NASDAQ 100 ETFs are highly correlated, meaning they usually move in the same direction at similar times. Correlation is just how often and how tightly two investments move together. Holding both still has benefits—S&P 500 is more diversified across sectors, while NASDAQ 100 leans into large-cap growth and tech—but they don’t provide much protection from each other in a downturn. When correlation is high, the diversification benefit during selloffs is limited, so risk reduction has to come from other levers, like lower overall equity exposure, more defensive sectors, or additional uncorrelated regions or styles. Knowing this helps set realistic expectations about how much these two funds can offset each other in rough markets.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 35.00% 32.0% -
Invesco NASDAQ 100 ETF
Weight: 25.00% 29.2% -
Invesco PHLX Semiconductor ETF
Weight: 4.00% 6.9% -
Avantis® U.S. Small Cap Value ETF
Weight: 5.00% 5.1% -
iShares MSCI South Africa ETF
Weight: 5.00% 4.9% - Top 3 risk contribution 68.0%
Risk contribution shows how much each holding drives the overall ups and downs, which can differ from simple weights. The Vanguard S&P 500 ETF is 35% of the portfolio but contributes about 31.96% of risk, slightly under-proportionally. The Invesco NASDAQ 100 ETF is 25% of weight yet 29.23% of risk, and the semiconductor ETF is only 4% of weight but 6.85% of risk, reflecting its higher volatility. Together, the top three positions account for about 68% of total portfolio risk. That concentration is normal for an equity-heavy, core–satellite design but worth monitoring. Adjusting position sizes or trimming the most volatile slices is a straightforward way to realign risk contributions with intended emphasis if the swings ever feel too sharp.
Dividends
- Avantis® International Small Cap Value ETF 3.00%
- Avantis® U.S. Small Cap Value ETF 1.80%
- WisdomTree Japan Hedged Equity Fund 1.20%
- iShares MSCI South Africa ETF 6.40%
- Franklin FTSE Canada ETF 1.80%
- VanEck Uranium+Nuclear Energy ETF 2.30%
- Global X U.S. Infrastructure Development ETF 0.90%
- Invesco NASDAQ 100 ETF 0.50%
- Invesco PHLX Semiconductor ETF 0.50%
- Vanguard S&P 500 ETF 1.20%
- SPDR® S&P Aerospace & Defense ETF 0.40%
- Weighted yield (per year) 1.40%
The overall dividend yield is around 1.40%, which is modest and consistent with a growth-focused, US-heavy portfolio. Some holdings, like the South Africa ETF and the international small-cap value fund, pay higher yields, while the NASDAQ 100 and semiconductor ETFs are more about capital appreciation than income. Dividends matter because they provide a steady return component that doesn’t rely on price moves and can be reinvested to compound growth. In this case, income is a secondary feature, not the main objective. For an investor prioritizing long-term growth over current cash flow, that’s perfectly aligned. If income needs rise later, shifting a portion toward higher-yielding or more dividend-focused strategies could gradually increase the portfolio’s cash generation.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- WisdomTree Japan Hedged Equity Fund 0.48%
- iShares MSCI South Africa ETF 0.59%
- Franklin FTSE Canada ETF 0.09%
- VanEck Uranium+Nuclear Energy ETF 0.61%
- Global X U.S. Infrastructure Development ETF 0.47%
- Invesco NASDAQ 100 ETF 0.15%
- Invesco PHLX Semiconductor ETF 0.19%
- Vanguard S&P 500 ETF 0.03%
- SPDR® S&P Aerospace & Defense ETF 0.35%
- Weighted costs total (per year) 0.20%
The weighted Total Expense Ratio of about 0.20% is impressively low for such a specialized, multi-ETF portfolio. Core holdings like the Vanguard S&P 500 ETF at 0.03% and the Franklin FTSE Canada ETF at 0.09% anchor costs, while more niche funds run higher but still reasonable fees. Keeping fees low is one of the few things completely under an investor’s control, and even small differences compound meaningfully over decades. Compared with many actively managed funds or high-fee portfolios, this cost structure is a real strength that supports better long-term net outcomes. At this level, cost drag is minimal, so attention can stay on allocation, risk, and long-term discipline rather than fee reduction.
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.
The risk–return optimization suggests there is room to squeeze more expected return out of the same overall risk level by reweighting existing holdings. The current portfolio sits below the efficient frontier, which is the curve showing the best possible expected return for each risk level using the current ingredients. An alternative mix with the same risk could reach an expected return around 24.64%, higher than the current setup’s expectation. That does not require new products, just different weights—often less in overlapping, highly correlated positions and more in diversifying ones. On the positive side, this means the building blocks are strong; refining position sizes could improve the Sharpe ratio, giving better compensation for each unit of volatility without fundamentally changing the strategy.
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