Single fund US equity portfolio highly concentrated in large technology companies with very low ongoing costs
Report created on Aug 25, 2026Risk profile
5/7
Diversification profile
2/5
Positions
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VO Vanguard S&P 500 ETF
VOO - US9229083632 100.00%
This portfolio is structurally very simple: 100% is invested in a single ETF tracking the S&P 500. That means every dollar is tied to one broad US stock index, with no bonds, cash, or other asset types in the mix. A single-fund structure is easy to follow and automatically rebalances inside the ETF, since the index itself updates over time. The flip side is that diversification is limited to what’s inside that one market. Overall risk and return are therefore driven almost entirely by how the US stock market behaves, rather than a mix of different asset types or regions.
Growth
Over the period from 2016 to 2026, $1,000 growing to about $4,131 is a strong historical result. The portfolio’s compound annual growth rate (CAGR) of 15.31% means it grew roughly 15% per year on average, similar to the US market benchmark and ahead of the global market by a noticeable margin. Max drawdown of about -34% shows it went through a sharp but relatively short-lived drop, especially around early 2020. This kind of decline is normal for pure equity portfolios. The fact that 36 days generated 90% of returns highlights how missing a handful of big up days can matter a lot over time.
Projection
The Monte Carlo projection uses the past to simulate many possible future paths, rather than a single forecast. It takes the portfolio’s historical return and volatility and “shuffles” them in 1,000 random scenarios over 15 years. The median outcome of about $2,703 suggests slower growth than the backward-looking 15% CAGR, which is common because simulations often bake in more modest expectations. The wide possible range from roughly $1,022 to $7,615 shows how uncertain long-term equity outcomes can be. These numbers are just statistical estimates: markets rarely follow the average path, and real-world returns can land outside even the 5–95% range.
Asset classes
- Stocks 100%
Asset class exposure here is straightforward: 100% stocks. There is no built-in ballast from bonds, cash, or alternatives that might soften equity swings. Historically, stocks have provided higher expected returns than bonds over long periods, but they also experience deeper and more frequent drawdowns. Because this portfolio mirrors a broad US equity index, it behaves a lot like “the stock market” most people see in the news. Compared to multi-asset mixes that combine stocks and bonds, this structure prioritizes growth potential over short-term stability, which is reflected in the platform’s relatively high risk score and low diversification rating.
Sectors
- Technology 37%
- Financials 12%
- Telecommunications 10%
- Consumer Discretionary 10%
- Health Care 9%
- Industrials 8%
- Consumer Staples 5%
- Energy 3%
- Utilities 2%
- Real Estate 2%
- Basic Materials 2%
Sector-wise, the portfolio leans heavily into technology, at 37%, with the rest spread across financials, telecom, consumer areas, health care, and more cyclical segments like energy and industrials. This tech tilt is typical for modern US large-cap indices, where a handful of big tech and tech-adjacent companies make up a large slice of the total market value. Tech-heavy allocations often benefit when innovation themes and growth stories are in favor, but they can also see sharper swings when interest rates rise or sentiment turns against high-growth businesses. The remaining sectors still provide some diversification, but tech is clearly the main driver.
Regions
- North America 100%
Geographically, everything is in North America, specifically the US market. That’s consistent with the S&P 500’s design as a US-focused index, but it does mean there’s no direct exposure to other major regions. Global benchmarks usually spread across many countries, so this portfolio is more concentrated in a single economy and currency than something like a world index. When the US outperforms other regions, that concentration works in its favor, as the performance data against the global benchmark shows. If other regions lead for a period, they simply won’t show up here, because the index doesn’t include them at all.
Market capitalization
- Mega-cap 45%
- Large-cap 35%
- Mid-cap 19%
- Small-cap 1%
By market cap, the portfolio is dominated by mega-cap and large-cap companies, which together make up about 80%. Mid-caps add meaningful breadth, while small caps are only about 1%. This pattern is typical for a market-cap-weighted US index: the largest companies by value naturally command the biggest weights. Large and mega caps often bring more stable earnings, mature business models, and better liquidity, which can reduce company-specific risk compared with tiny firms. At the same time, it means the portfolio’s behavior closely tracks those market giants, and there’s less exposure to the sometimes higher-growth, higher-volatility small-cap segment.
True holdings
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NV NVIDIA Corporation 7.51%
Part of fund(s):- Vanguard S&P 500 ETF
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AA Apple Inc. 6.59%
Part of fund(s):- Vanguard S&P 500 ETF
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MS Microsoft Corporation 4.30%
Part of fund(s):- Vanguard S&P 500 ETF
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AM Amazon.com Inc 3.62%
Part of fund(s):- Vanguard S&P 500 ETF
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GO Alphabet Inc Class A 3.25%
Part of fund(s):- Vanguard S&P 500 ETF
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AV Broadcom Inc 2.77%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.59%
Part of fund(s):- Vanguard S&P 500 ETF
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MU Micron Technology Inc 2.02%
Part of fund(s):- Vanguard S&P 500 ETF
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ME Meta Platforms Inc. 1.92%
Part of fund(s):- Vanguard S&P 500 ETF
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TS Tesla Inc 1.84%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 36.41%
Looking through the ETF’s top holdings, a big chunk of risk is concentrated in a handful of companies: NVIDIA, Apple, Microsoft, Amazon, Alphabet, and a few other large tech names. For example, NVIDIA alone is about 7.5%, and Apple almost 6.6%, just within the partial top-10 coverage. Because these same names also dominate many other funds, owning an S&P 500 ETF effectively means a lot of exposure to them, even though there are 500 constituents. The overlap analysis only covers the top 10 holdings, so total concentration is likely somewhat higher, but the message is clear: the index is top-heavy.
Factors
The factor profile is very close to market-like across the board, with all six factors landing in the “Neutral” band. Factor exposure describes how much a portfolio leans into traits like value, momentum, or quality that academic research links to returns. Here, none of the measured factors show a strong tilt. That’s consistent with a broad, market-cap-weighted index fund: it doesn’t intentionally chase value, small size, or high dividends. In practice, this means the portfolio’s behavior is mostly driven by the overall market rather than specific factor bets, which can keep performance patterns fairly mainstream and benchmark-like over time.
Risk contribution
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Vanguard S&P 500 ETF
Weight: 100.00% 100.0%
Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from its weight. With a single ETF making up 100% of the portfolio, that one fund naturally contributes 100% of the risk. Inside the ETF, risk is then spread across the index, but at the portfolio level there’s no offset from other asset classes or strategies. This simplicity makes it easy to understand that day-to-day movements will track US stocks quite closely. It also means that any major shock to that market translates almost directly into the portfolio’s value, without diversifying buffers.
Dividends
- Vanguard S&P 500 ETF 1.00%
- Weighted yield (per year) 1.00%
The portfolio’s dividend yield is around 1.0%, which is modest by historical equity standards but fairly typical for a large-cap US index today. Dividends are the cash payments companies make from profits, and they can be a meaningful part of long-term returns, especially when reinvested. In this case, most of the portfolio’s historical growth has come from price appreciation rather than income. A lower yield often reflects a higher weighting in growth-oriented companies that reinvest earnings back into their business. For an S&P 500 ETF, this balance between dividends and growth aligns well with current US market norms.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.03%
Costs are a clear strong point. The ETF’s total expense ratio (TER) is just 0.03%, which is extremely low by industry standards. TER is the annual fee the fund charges to cover management and operating expenses, taken out of returns behind the scenes. Keeping this number small helps more of the portfolio’s gross return show up in your actual performance, especially over long periods where fees compound. For a broad-market index ETF, this low cost aligns with best-in-class offerings. Combined with the simple structure, it means the portfolio isn’t losing much ground each year to ongoing fees.
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