Growth focused US tilted equity portfolio with strong tech exposure and impressively low overall costs

Report created on Mar 18, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

The portfolio is almost fully invested in stocks through four broad ETFs, with about two thirds in a total US market fund, a sizable sleeve in a NASDAQ 100 tracker, and smaller allocations to international equities and US dividend payers. This structure makes it a straightforward, equity-heavy setup with a clear tilt toward growth and the US market. Having most exposure via broad index ETFs keeps things simple and transparent. The main takeaway is that this is designed for capital growth rather than capital preservation, so the ride can be bumpy, but it’s also aligned with how many long-term, stock-focused investors build their core holdings.

Growth Info

Historically, the portfolio shows a compound annual growth rate (CAGR) of 14.06%, which is strong for an equity-heavy mix. CAGR is like the average yearly “cruising speed” of your money over the whole period. A max drawdown of -26.63% shows that at one point, the portfolio fell about a quarter from a peak—normal for stocks, but emotionally challenging. The fact that just 22 days account for 90% of returns highlights how a few big up days drive long-term performance, which is why staying invested matters. While this history is encouraging, it’s still backward-looking, so it shouldn’t be treated as a promise of future results.

Projection Info

The Monte Carlo analysis runs 1,000 simulated futures using patterns from historical returns and volatility, then shakes them up randomly to see a wide range of possible outcomes. In these simulations, the median (50th percentile) end value is about 482% of the starting point, with a very upbeat average annualized return near 14.71%. Even the 5th percentile lands around 90.9%, which suggests that, based on history, negative long-term scenarios were rare in the model. Still, this method assumes the future will rhyme with the past, which is never guaranteed. The main takeaway is that the projected distribution supports a growth-oriented profile with meaningful short-term risk.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Asset-class wise, this is almost a pure equity portfolio: about 99% stocks and 1% cash. That lines up with a growth mindset but offers very little built-in cushion from bonds or other defensive assets. Compared with a typical “balanced” mix that blends stocks and bonds more evenly, this setup is more volatile but has higher long-term return potential. The small cash slice does almost nothing to smooth the ride. For someone who can handle equity swings and has a long horizon, this stock domination can be appropriate; for someone needing stability or nearer-term withdrawals, it might feel too aggressive.

Sectors Info

  • Technology
    32%
  • Financials
    12%
  • Consumer Discretionary
    11%
  • Telecommunications
    10%
  • Industrials
    9%
  • Health Care
    9%
  • Consumer Staples
    6%
  • Energy
    4%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    2%

Sector allocation is led by technology at 32%, followed by solid weights in financials, consumer cyclicals, communication services, industrials, and healthcare. Smaller slices are in defensive and traditionally steadier areas like consumer staples, utilities, and real estate. This mix is more tech-heavy than broad global benchmarks, reflecting both the NASDAQ tilt and the dominance of US tech in the market. Tech-leaning portfolios tend to shine in growth-friendly, low-rate environments but can be hit harder when interest rates rise or sentiment shifts away from high-growth names. The upside is strong innovation exposure; the tradeoff is sharper drawdowns when the sector cools off.

Regions Info

  • North America
    88%
  • Europe Developed
    5%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%

Geographically, the portfolio is heavily skewed to North America at 88%, with modest exposure to developed Europe, Japan, and other parts of Asia, and almost nothing in emerging regions like Latin America or Africa. Many global benchmarks give a big weight to the US, but this goes even further, making the portfolio particularly sensitive to US economic and policy cycles. The international slice still adds some diversification, which is positive, but its impact is limited by size. The key point is that long-term results will largely track how US and especially US large-cap growth stocks perform, for better or worse.

Market capitalization Info

  • Mega-cap
    42%
  • Large-cap
    32%
  • Mid-cap
    18%
  • Small-cap
    5%
  • Micro-cap
    2%

By market cap, there’s a strong tilt toward mega and large companies, which together make up about three quarters of the portfolio. Mid-caps have a meaningful presence, while small and micro caps are only a modest slice. Big firms typically bring more stability, better liquidity, and more diversified business lines, which can help during stress compared with very small, speculative names. However, smaller companies sometimes deliver higher long-term growth, though with more volatility. This mix leans into the comfort and dominance of established giants while still keeping a toe in the broader market, which is a sensible, benchmark-like structure for many equity investors.

True holdings Info

  • NVIDIA Corporation
    5.57%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    5.16%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    3.92%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    2.77%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    2.41%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    2.03%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    2.01%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    1.98%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    1.78%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Broad Market ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Walmart Inc. Common Stock
    1.11%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Top 10 total 28.73%

Looking through the ETFs, the biggest hidden concentrations are in mega-cap US names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Walmart. NVIDIA and Apple together already account for over 10% of the portfolio, even though there’s no single-stock position in them. This overlap happens because the same big companies sit at the top of multiple funds, especially US and NASDAQ-focused ETFs. It’s not inherently bad—these are market leaders—but it does mean a lot of your outcome is tied to how a handful of giants perform. Being aware of this concentration helps set expectations around both upside and downside.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 19%
Size
Exposure to smaller companies
Very high
Data availability: 68%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
Very high
Data availability: 4%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure shows dominant tilts to size, yield, and momentum, with meaningful low-volatility exposure and a moderate value signal. Factors are like the underlying “personality traits” of stocks—such as cheapness (value) or recent winners (momentum)—that research links to long-term return patterns. High size exposure here actually points to larger-cap orientation based on this model’s definition, while strong momentum suggests the portfolio leans into stocks that have been recent winners, which can boost returns in trending markets but hurt if leadership reverses suddenly. The yield tilt is driven largely by the dividend ETF and some higher-yield international exposure. Signal coverage is under 50% on average, so these readings are directionally useful but not ultra-precise.

Risk contribution Info

  • Vanguard Total Stock Market Index Fund ETF Shares
    Weight: 67.75%
    68.1%
  • Invesco NASDAQ 100 ETF
    Weight: 15.85%
    19.6%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 12.84%
    10.0%
  • Schwab U.S. Dividend Equity ETF
    Weight: 3.56%
    2.4%

Risk contribution shows how much each holding adds to overall ups and downs, which can differ from its simple weight. The total US market ETF, at about 68% of weight, contributes roughly 68% of risk, which is nicely proportional. The NASDAQ 100 ETF, at 15.85% weight, contributes 19.56% of total risk, so it punches above its weight—its risk-to-weight ratio of 1.23 reflects its growthy, more volatile nature. International and dividend ETFs contribute less risk than their weights, helping slightly to smooth the ride. The top three holdings drive 97.6% of portfolio risk, which is efficient but also means changes in those funds dominate the experience.

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.

On a risk–return chart, the efficient frontier shows the best possible return for each risk level using these existing holdings in different mixes. The current portfolio, given its heavy US and NASDAQ tilt, likely sits slightly below the optimal point on that curve, with the optimizer often suggesting a modestly different blend (for example, tweaking the NASDAQ and international weights) to improve the Sharpe ratio—your return per unit of risk. Being below the frontier doesn’t mean anything is broken; it just means a subtle reweighting of the same four ETFs could potentially deliver either the same return with less volatility or somewhat higher expected return at a similar risk level.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Dividend Equity ETF 3.40%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 3.10%
  • Weighted yield (per year) 1.34%

The overall dividend yield is about 1.34%, which is relatively modest for an equity portfolio and signals a stronger tilt toward growth than income. The Schwab US Dividend Equity ETF and the international fund provide higher yields individually, but their smaller weights keep the total yield low. Dividends can be important for investors who want regular cash flow or prefer part of their return to come from income rather than price gains. In this case, most of the expected return is likely to come from capital appreciation instead of payouts, which aligns with a long-term growth goal rather than a current income focus.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • 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) 0.05%

The blended total expense ratio (TER) of roughly 0.05% is impressively low, especially given the diversification across US, NASDAQ, international, and dividend strategies. TER is the annual fee charged by a fund, quietly deducted from returns—so lower is almost always better over time. Keeping costs this tight means more of the portfolio’s gross return stays in your pocket, compounding year after year. These cost levels are in line with best practices and major index providers, which is a real strength of this setup. From a fee perspective, the structure already looks highly efficient and doesn’t leave much room for meaningful cost improvement.

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