High growth US focused portfolio with strong technology tilt and meaningfully concentrated risk
Report created on May 10, 2026Risk profile
6/7
Diversification profile
2/5
Positions
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SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 46.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 45.50% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 8.50%
This portfolio is a tight three‑ETF mix, fully invested in stocks with no bonds or cash buffer. Almost the entire allocation is split between a broad US large‑cap growth fund and a focused semiconductor ETF, with a smaller slice in US small‑cap value. That structure creates a very growth‑oriented profile with a single dominant theme rather than a wide spread across different types of companies. Portfolio composition matters because it drives how much the portfolio may swing with markets and what it is most sensitive to. Here, the structure implies that overall behavior will largely follow US growth and chip‑related trends, with the small‑cap value piece playing a secondary, diversifying role.
Growth
Over the period shown, $1,000 grew to about $6,266, which is far ahead of both the US and global market benchmarks. The portfolio’s compound annual growth rate (CAGR) of 32.06% roughly doubles the US market’s 16.30% and more than doubles the global market’s 13.76%. CAGR is like the average yearly “speed” over the whole journey, smoothing out ups and downs. That strong return came with a max drawdown of -38.78%, meaning the portfolio once fell nearly 39% from peak to trough before recovering. This deeper dip than the benchmarks highlights a classic trade‑off: the same growth drivers that boosted returns also amplified the temporary losses along the way.
Projection
The Monte Carlo projection takes the portfolio’s historical behavior and simulates many possible 15‑year paths to show a range of outcomes. Instead of giving one precise forecast, it generates 1,000 scenarios by “re‑mixing” past returns and volatility patterns, then looks at where most of them land. Here, the median outcome turns $1,000 into about $2,819, with a wide but informative likely range. The average annualized return across simulations is 8.23%, less extreme than the historical 32.06% CAGR, which reflects the method’s more cautious assumptions. These projections are not promises; they’re more like weather models, useful for understanding possible conditions but always uncertain.
Asset classes
- Stocks 100%
All of this portfolio sits in a single asset class: equities. Having 100% in stocks can give strong long‑term growth potential but also exposes the full value to stock‑market ups and downs, without the cushioning effect that bonds or cash can sometimes provide. Asset classes behave differently in various environments, so mixing them often smooths the ride. Here, the choice to stay entirely in stocks means diversification is happening mainly within that one asset class, across different kinds of companies. That keeps the risk profile firmly in the “aggressive” camp, consistent with the reported risk classification and higher risk score.
Sectors
- Technology 67%
- Telecommunications 8%
- Consumer Discretionary 7%
- Financials 5%
- Health Care 4%
- Industrials 4%
- Energy 2%
- Consumer Staples 1%
- Basic Materials 1%
Sector exposure is heavily tilted, with about two‑thirds in technology and additional weight in related growth‑oriented areas, while other sectors sit at much lower levels. Compared with broad market benchmarks that spread more evenly across sectors, this portfolio is clearly concentrated in one economic theme. Sector balance matters because different parts of the economy lead and lag at different times. A tech‑heavy portfolio can do very well when innovation and digital demand are rewarded, but it may also be more sensitive to things like interest‑rate changes, regulatory shifts, or a slowdown in technology spending. The low allocation to defensive sectors reduces potential stabilizers during tech‑specific downturns.
Regions
- North America 92%
- Asia Developed 5%
- Europe Developed 3%
Geographically, the portfolio is overwhelmingly focused on North America, with small slices in developed Asia and Europe. Relative to global equity benchmarks, which spread more evenly across regions, this creates a strong home‑market tilt. Geography influences exposure to different currencies, economic cycles, and policy environments. A US‑centric portfolio can benefit when that market outperforms, as it has in many recent years, but it also ties most results to the fortunes of one region and currency. The modest exposure outside North America provides some international flavor, yet global diversification is still limited, so regional shocks in the US would likely have a large impact on overall performance.
Market capitalization
- Mega-cap 52%
- Large-cap 30%
- Mid-cap 8%
- Small-cap 5%
- Micro-cap 4%
By market capitalization, more than half of the portfolio sits in mega‑cap companies, with another sizable portion in large caps, and much smaller allocations to mid, small, and micro‑caps. Market cap shape matters because company size influences how stocks tend to behave: large firms often bring stability and established businesses, while smaller firms can be more volatile but sometimes grow faster. This portfolio’s structure leans on big, established names for most of its exposure, with a deliberate but modest slice of smaller companies. That mix can create a core of relatively stable giants, with the small‑cap component adding an extra layer of potential return and variability.
True holdings
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NV NVIDIA Corporation 12.64%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- VanEck Semiconductor ETF
-
AV Broadcom Inc 5.59%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- VanEck Semiconductor ETF
-
TS Taiwan Semiconductor Manufacturing 4.61%
Part of fund(s):- VanEck Semiconductor ETF
-
AA Apple Inc 4.31%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
IN Intel Corporation 3.54%
Part of fund(s):- VanEck Semiconductor ETF
-
MS Microsoft Corporation 3.19%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
AM Advanced Micro Devices Inc 2.73%
Part of fund(s):- VanEck Semiconductor ETF
-
AM Amazon.com Inc 2.71%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
MU Micron Technology Inc 2.67%
Part of fund(s):- VanEck Semiconductor ETF
-
GO Alphabet Inc Class A 2.37%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Top 10 total 44.35%
Looking through the ETFs into their top holdings, a handful of big names stand out: NVIDIA alone represents about 12.64% of the portfolio, with sizeable additional positions in Broadcom, TSMC, Apple, Intel, Microsoft, and other major tech companies. Several of these appear in more than one ETF, creating overlap where the same stock is held multiple ways. Overlap isn’t necessarily bad, but it does mean effective exposure to those companies is higher than any single fund’s weight suggests. Because this analysis only uses top‑10 ETF holdings, total overlap is likely understated, so the true concentration in those leading names could be even more pronounced than the numbers here show.
Factors
Across investment factors, the portfolio shows low exposure to value, yield, and low volatility, while most other factors are close to neutral. Factors are like underlying “personality traits” of stocks — such as cheapness (value), stability (low volatility), or income focus (yield) — that research links to long‑term patterns. A low value score means holdings tend to be more expensive relative to fundamentals than the broad market. Low yield suggests less emphasis on dividend‑paying stocks, and low volatility exposure means there’s little tilt toward smoother‑riding names. Overall, this profile lines up with a growth‑oriented, price‑momentum style that may shine in strong markets but swing more when sentiment reverses.
Risk contribution
-
VanEck Semiconductor ETF
Weight: 45.50% 56.4% -
Schwab U.S. Large-Cap Growth ETF
Weight: 46.00% 37.7% -
Avantis® U.S. Small Cap Value ETF
Weight: 8.50% 5.9%
Risk contribution shows how much each holding drives the portfolio’s total ups and downs, which can differ from simple weights. Here, the semiconductor ETF is 45.50% of the portfolio but contributes about 56.39% of the overall risk, meaning it punches above its weight in volatility. The large‑cap growth ETF, at 46.00%, adds 37.68% of risk, and the small‑cap value slice contributes less risk than its 8.50% weight. This pattern highlights that one holding is the main engine of variability. When that ETF has a good or bad period, the whole portfolio is likely to feel it strongly, whereas the other components play a more moderating role.
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, which is the curve showing the best expected return for each risk level using only these existing holdings. Its Sharpe ratio of 0.92 is solid, though the model suggests that a different mix of the same three ETFs could, in theory, reach a higher Sharpe of 1.11 at the “optimal” point. A Sharpe ratio measures risk‑adjusted return, like comparing miles per gallon instead of just top speed. Being near the frontier indicates that, for this specific trio of funds, the historical allocation has been broadly efficient rather than randomly assembled.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- VanEck Semiconductor ETF 0.20%
- Weighted yield (per year) 0.39%
The overall dividend yield for the portfolio is low, at around 0.39%, with the small‑cap value ETF providing the highest yield and the semiconductor fund the lowest. Dividend yield is the annual cash payout as a percentage of price, like interest on a savings account, but it’s not guaranteed. In this mix, returns historically have come more from price appreciation than from regular income. That’s typical for growth‑ and tech‑oriented strategies that reinvest heavily rather than paying large dividends. For anyone relying on the portfolio itself to generate spending cash, this structure suggests relatively modest income streams and greater reliance on selling shares if money is needed.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- VanEck Semiconductor ETF 0.35%
- Weighted costs total (per year) 0.20%
The portfolio’s total expense ratio (TER) is about 0.20%, combining a very low‑cost large‑cap growth ETF with a moderately priced semiconductor fund and a slightly higher‑fee small‑cap value ETF. TER is the annual fee charged by funds, expressed as a percentage of assets, and it quietly reduces returns each year. In context, a 0.20% blended fee is impressively low for such a targeted, factor‑aware, and sector‑tilted mix. That means very little drag from costs, so most of the portfolio’s performance comes from the underlying investments themselves rather than being eaten away by fees. It’s a strong structural point in this setup.
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