Strong US growth portfolio with heavy technology focus and efficient low cost implementation
Report created on May 7, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 45.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 26.00% -
VT Vanguard Total World Stock Index Fund ETF Shares
VT - US9220427424 24.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 5.00%
This portfolio is built from four broad equity ETFs, with everything invested in stocks. About 45% sits in a total US market fund, 26% in a dedicated technology ETF, 24% in a global equity fund, and 5% in an international (ex-US) fund. So structurally it’s a concentrated, growth-leaning equity mix, with most risk and return coming from the US and especially tech. Understanding this structure matters because it explains why the portfolio can rise quickly in strong markets but also swing sharply during equity sell-offs. The mix is simple and low-maintenance, but the high equity share and tech emphasis mean the portfolio naturally lives on the higher-risk side of the spectrum.
Growth
From 2016 to April 2026, $1,000 in this portfolio grew to about $4,948, which is a compound annual growth rate (CAGR) of 17.42%. CAGR is like average speed on a road trip: it smooths out ups and downs to show long-term pace. Over the same period, the US market returned 15.25% a year and the global market 12.70%, so this mix outpaced both, helped by its tech tilt and strong US exposure. The worst peak‑to‑trough fall, or max drawdown, was about -34%, similar to both benchmarks. That shows the extra return historically came with roughly benchmark-level downside in the biggest stress period. Past results, though, don’t guarantee similar future performance.
Projection
The Monte Carlo projection uses the portfolio’s historical risk and return to simulate 1,000 different 15‑year paths. Think of it as rerunning history with the same “weather patterns” but different dice rolls each time. The median outcome grows $1,000 to around $2,740, with a central range of roughly $1,813 to $4,209 and a wide 5–95% band from $932 to $7,605. The average annualized return across simulations is about 8.09%. These ranges highlight that even with the same underlying characteristics, outcomes can vary a lot. Simulations are educated guesses based on the past, not forecasts, but they help frame how much uncertainty comes with an all‑equity, growth‑oriented portfolio.
Asset classes
- Stocks 100%
All of this portfolio sits in one asset class: stocks. There is no allocation to bonds, cash, or alternatives. That creates a clear, high‑growth, high‑volatility profile: returns are entirely tied to equity markets, with no built‑in shock absorbers from more stable asset classes. Compared with a typical multi‑asset benchmark, this is a more aggressive stance. The benefit is full participation in equity upswings; the trade‑off is deeper drawdowns when stocks fall, because there’s nothing in the mix that usually ziggs when equities zag. This all‑equity structure is simple to understand and track, but it means diversification comes only from within global stock markets, not across different asset types.
Sectors
- Technology 47%
- Financials 11%
- Industrials 8%
- Consumer Discretionary 7%
- Health Care 7%
- Telecommunications 7%
- Consumer Staples 4%
- Energy 3%
- Basic Materials 2%
- Utilities 2%
- Real Estate 2%
Sector-wise, the portfolio is heavily tilted toward technology at about 47%, with the rest spread across financials, industrials, consumer areas, health care, telecom, energy, utilities, real estate, and materials. By comparison, broad global benchmarks are meaningfully less tech‑heavy, so this is a notable overweight. Tech‑heavy portfolios often benefit when innovation and growth stocks lead, but they can be more sensitive to interest rates, regulatory changes, and shifts in investor appetite for high‑growth names. The other sectors collectively provide some ballast, yet they’re secondary drivers here. The sector data lines up with the dedicated tech ETF’s presence, making it clear that sector risk is concentrated even though there is still some cross‑industry diversification.
Regions
- North America 86%
- Europe Developed 6%
- Japan 2%
- Asia Emerging 2%
- Asia Developed 2%
- Australasia 1%
- Africa/Middle East 1%
Geographically, about 86% of the equity exposure is in North America, with relatively small slices in developed Europe, Japan, developed and emerging Asia, Australasia, and Africa/Middle East. Compared with global equity benchmarks, which usually have closer to 60% in the US, this is a strong home‑country tilt. The upside is alignment with the region that has led performance over the last decade; the flip side is that portfolio fortunes are closely tied to one economy, one currency, and one policy regime. The modest exposures elsewhere still add some diversification, but global growth, currency moves, and political events outside North America will have a smaller impact than domestic US factors.
Market capitalization
- Mega-cap 44%
- Large-cap 30%
- Mid-cap 17%
- Small-cap 6%
- Micro-cap 2%
The market‑cap breakdown shows a strong bias toward larger companies: around 44% in mega‑caps and 30% in large‑caps, with the remainder in mid‑caps, small‑caps, and a small slice of micro‑caps. This pattern is quite typical for cap‑weighted index funds, where the biggest companies naturally dominate. Bigger firms tend to be more diversified, more liquid, and sometimes less volatile than very small ones, so this structure often leads to smoother behavior than a small‑cap‑heavy portfolio. On the other hand, smaller companies can occasionally deliver bursts of higher growth and higher volatility, and that’s a relatively modest driver here. Overall, this size mix mirrors broad market norms and supports a stable, market‑like risk profile within equities.
True holdings
-
NV NVIDIA Corporation 8.65%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AA Apple Inc 7.63%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
MS Microsoft Corporation 5.26%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AV Broadcom Inc 2.52%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
AM Amazon.com Inc 1.90%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class A 1.59%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.26%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
ME Meta Platforms Inc. 1.19%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
TS Tesla Inc 0.99%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
- Vanguard Total World Stock Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 0.61%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 31.60%
Looking through ETF top‑10 holdings, a few names stand out: NVIDIA (~8.7%), Apple (~7.6%), Microsoft (~5.3%), plus Broadcom, Amazon, Alphabet, Meta, Tesla, and Berkshire Hathaway. These percentages reflect combined exposure across multiple funds, which means overlap is a real driver. For example, the same large tech stock might appear in the total US fund, the tech ETF, and the global fund, stacking its weight. Because only top‑10 data is used, actual overlap is likely higher than shown. This creates “hidden” concentration: the portfolio is diversified by fund count, but a relatively small set of mega‑cap growth companies still explains a big slice of overall behavior.
Factors
Factor exposures are all in the neutral band for value, size, momentum, quality, yield, and low volatility. Factor exposure describes how much a portfolio leans into traits like cheap vs. expensive (value), stable vs. bumpy (low volatility), or recent winners (momentum). A neutral reading around 50% means this mix behaves broadly like the overall market for each of these characteristics, without strong tilts toward or away from any single style. That’s notable because, despite the visible tech and US emphasis, the underlying factor profile remains balanced. In practice, that can mean the portfolio’s performance is driven more by its sector and regional choices than by systematic style bets.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 45.00% 42.8% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 26.00% 32.1% -
Vanguard Total World Stock Index Fund ETF Shares
Weight: 24.00% 21.2% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 5.00% 3.9%
Risk contribution shows how much each holding adds to overall ups and downs, which can differ from its weight. The total US fund is 45% of the portfolio and contributes about 43% of risk, so it behaves as expected. The tech ETF, at 26% weight, contributes over 32% of risk, giving it a higher risk/weight ratio (1.24). That means each dollar in that fund adds more volatility than a dollar in the other holdings. The global and international funds together are nearly 30% of the portfolio but contribute only about 25% of risk. With the top three holdings driving over 96% of total risk, the portfolio’s day‑to‑day experience is dominated by those core ETFs, especially the tech slice.
Redundant positions
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High correlationVanguard Total Stock Market Index Fund ETF SharesVanguard Total World Stock Index Fund ETF Shares
The correlation data shows that the total US market fund and the total world fund have moved almost identically. Correlation measures how often assets move together; a value near 1 means they typically rise and fall in sync. That’s not surprising here, since the US is a large chunk of the global index, and both ETFs are broad, diversified equity baskets. The implication is that holding both still adds some diversification through non‑US stocks, but for short‑term risk management, they effectively behave like close cousins. In sharp global equity sell‑offs, these two funds are likely to move similarly, so diversification benefits come more from geography and sector differences than from fundamentally uncorrelated assets.
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 the risk‑return chart, the current portfolio sits on or very close to the efficient frontier. The efficient frontier represents the best possible return for each risk level using only these existing holdings in different weightings. The current mix has a Sharpe ratio of 0.69, which is lower than the mathematically optimal mix at 0.97 but higher than the minimum‑variance option at 0.65. A higher Sharpe means more return per unit of risk. The key point is that, for this general risk level, the portfolio is already using its building blocks efficiently. Any further improvement along the frontier would mainly come from changing how much risk to take, not from fixing obvious inefficiencies.
Dividends
- Vanguard Information Technology Index Fund ETF Shares 0.30%
- Vanguard Total World Stock Index Fund ETF Shares 1.60%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.05%
The overall dividend yield is about 1.05%, with the tech ETF yielding around 0.30%, the total US fund 1.00%, the global fund 1.60%, and the international fund about 2.70%. Dividend yield is the annual cash payout as a percentage of price, and it often plays a bigger role in more income‑oriented portfolios. Here, the low yield is consistent with a growth‑focused, tech‑heavy equity mix, where companies often reinvest profits instead of paying them out. That means total return has historically been driven far more by price appreciation than by income. For someone tracking cash flows, it’s useful to see that this portfolio’s structure naturally emphasizes capital growth over regular dividends.
Ongoing product costs
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard Total World Stock Index Fund ETF Shares 0.07%
- 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) 0.06%
The portfolio’s weighted total expense ratio (TER) is about 0.06%, with individual funds ranging from 0.03% to 0.10%. TER is the annual fee charged by funds, taken out of returns in the background, like a small ongoing service charge. These levels are impressively low, especially given the diversified, index‑based exposure. Over long horizons, lower costs leave more of the gross return in the investor’s hands, which can compound meaningfully. In this case, fees are unlikely to be a major drag relative to market benchmarks using similar index strategies. Structurally, the portfolio is on a strong footing from a cost perspective, which supports the overall growth‑oriented design.
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