High growth US focused portfolio with strong momentum tilt and concentrated technology exposure
Report created on Jul 30, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 Growth Index Fund ETF Shares
VOOG - US9219325050 40.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 20.00% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 20.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
XM Invesco S&P MidCap Momentum ETF
XMMO - US46137V4648 10.00%
This portfolio is a tight collection of five US equity ETFs, all focused on stocks and nothing else. The core is large‑cap growth and tech (Vanguard S&P 500 Growth at 40% and Invesco NASDAQ 100 at 20%), supported by two momentum funds (30% combined) and a 10% slice in US small cap value. Structurally, it’s a high‑octane equity growth mix with a single country focus and a clear style bias. This kind of concentrated structure can amplify both gains and losses compared with broader, mixed‑asset portfolios. The presence of small cap value adds a different style “flavor,” but in a relatively small size versus the growth and momentum engine that dominates the overall behavior.
Growth
Over the period from late 2020 to mid‑2026, $1,000 in this portfolio grew to about $2,475. That’s a compound annual growth rate (CAGR) of 17.02%, compared with 15.39% for the US market and 13.28% for the global market. CAGR is like the average speed on a long road trip, smoothing out bumps along the way. The portfolio also saw a deeper drawdown than the US market, falling about 27.4% from peak to trough versus 24.5% for the benchmark. It then took over a year to recover. The pattern—higher returns with somewhat larger drops—is consistent with a growth‑ and momentum‑heavy equity approach.
Projection
The Monte Carlo simulation uses past returns and volatility to create 1,000 possible 15‑year futures for this mix. Think of it as rolling the dice many times based on historical patterns, then seeing the range of outcomes. The median path grows $1,000 to about $2,737, with a wide “likely” band from roughly $1,801 to $4,070. There’s also a meaningful tail: in 5% of simulations, the ending value is below about $988, and in 5% it’s above $7,172. The average simulated annual return is 7.91%. These are statistical projections, not promises—markets can behave very differently from history, especially for concentrated growth exposures.
Asset classes
- Stocks 100%
All of this portfolio is in stocks, with 0% in bonds, cash, or alternatives. That’s a clear choice toward growth potential over stability. Stocks historically have offered higher long‑term returns than bonds, but with sharper ups and downs along the way. There’s no built‑in ballast here from fixed income or cash‑like holdings that might soften equity drawdowns. Compared with broad multi‑asset benchmarks, this is an equity‑only structure, so almost all risk and return will be driven by how stock markets—especially US growth and momentum areas—behave over time.
Sectors
- Technology 44%
- Telecommunications 11%
- Industrials 11%
- Consumer Discretionary 9%
- Financials 8%
- Health Care 6%
- Consumer Staples 3%
- Energy 3%
- Basic Materials 2%
- Utilities 1%
- Real Estate 1%
Sector exposure is heavily tilted toward technology at 44%, with another 11% in telecommunications and 9% in consumer discretionary. These three areas together make up a majority of the portfolio. More defensive sectors like utilities, consumer staples, and real estate are in the low single digits. This kind of sector profile tends to do well when innovation, digital services, and consumer spending are strong, but it can be more volatile when interest rates rise or when investors rotate into more cyclical or value‑oriented areas. Relative to broad equity indexes, the tech weighting is elevated, signaling a deliberate growth orientation.
Regions
- North America 98%
- Europe Developed 1%
- Latin America 1%
Geographically, the portfolio is overwhelmingly concentrated in North America at 98%, with only tiny exposures to developed Europe and Latin America. So almost everything here rises or falls with the US market and economy, as well as the US dollar. Compared to global benchmarks—where the US is large but not this dominant—this is a pronounced home‑country tilt. The benefit is alignment with US‑focused news, currency, and reporting. The trade‑off is that developments in other major markets contribute very little to diversification, so global shocks that especially hit US growth companies could have an outsized impact.
Market capitalization
- Mega-cap 47%
- Large-cap 26%
- Mid-cap 12%
- Small-cap 9%
- Micro-cap 5%
By market capitalization, nearly half of the portfolio sits in mega‑cap companies and another quarter in large caps, with smaller portions in mid, small, and micro caps. That means the day‑to‑day behavior is mostly driven by the biggest, most established US firms, while still having a meaningful 14% combined stake in smaller companies. Large and mega caps often bring more liquidity and business diversification, while small and micro caps can add both extra return potential and extra volatility. This blend leans toward the upper end of the size spectrum compared with more equal‑weighted or dedicated small‑cap strategies.
True holdings
-
NV NVIDIA Corporation 9.22%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 Growth Index Fund ETF Shares
-
MS Microsoft Corporation 4.74%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 Growth Index Fund ETF Shares
-
AA Apple Inc. 4.20%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 Growth Index Fund ETF Shares
-
AV Broadcom Inc 3.96%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 Growth Index Fund ETF Shares
-
GO Alphabet Inc Class A 3.76%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 Growth Index Fund ETF Shares
-
GO Alphabet Inc Class C 3.09%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 Growth Index Fund ETF Shares
-
MU Micron Technology Inc 3.04%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
-
AM Amazon.com Inc 2.32%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 Growth Index Fund ETF Shares
-
ME Meta Platforms Inc. 2.31%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 Growth Index Fund ETF Shares
-
AM Advanced Micro Devices Inc 1.64%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Invesco S&P 500® Momentum ETF
- Top 10 total 38.28%
Looking through the ETFs, the top underlying positions show heavy overlap in a handful of mega‑cap technology and platform companies. NVIDIA alone accounts for about 9.2% of the portfolio, with Microsoft, Apple, Broadcom, Alphabet, Amazon, Meta, and major chipmakers also significant. These names appear across multiple funds, creating hidden concentration that’s larger than any single ETF weight might suggest. Because only top‑10 ETF holdings are captured, this overlap is likely understated. In practice, a relatively small group of big tech and related stocks drives a large share of the portfolio’s movements, which helps explain its strong growth and momentum characteristics.
Factors
Factor exposure shows a strong tilt toward momentum at 61%, with value and yield both on the low side at 40% and 32%. Factors are like underlying “traits” of stocks—momentum, for example, measures how strongly prices have been trending. High momentum exposure means the portfolio tends to hold recent winners, which can boost returns when trends persist but can hurt during sharp reversals. Low value and yield suggest less focus on cheap, income‑paying stocks and more on companies priced for growth. Size, quality, and low volatility sit around neutral, so the dominant style story here is growth‑momentum, not defensive or income‑oriented.
Risk contribution
-
Vanguard S&P 500 Growth Index Fund ETF Shares
Weight: 40.00% 41.4% -
Invesco NASDAQ 100 ETF
Weight: 20.00% 21.8% -
Invesco S&P 500® Momentum ETF
Weight: 20.00% 18.9% -
Invesco S&P MidCap Momentum ETF
Weight: 10.00% 9.6% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 8.3%
Risk contribution highlights how much each ETF drives overall volatility, which can differ from simple weights. Here, the three largest positions—Vanguard S&P 500 Growth, Invesco NASDAQ 100, and Invesco S&P 500 Momentum—make up 80% of portfolio weight but about 82% of total risk. That’s a fairly proportional pattern, with no single fund wildly more volatile than its size suggests. The small cap value ETF contributes less risk than its 10% weight, reflecting its somewhat different style and behavior. Overall, risk is concentrated in the growth and momentum core, consistent with the composition and factor tilts.
Redundant positions
-
High correlationVanguard S&P 500 Growth Index Fund ETF SharesInvesco NASDAQ 100 ETF
The correlation data shows that the Invesco NASDAQ 100 ETF and the Vanguard S&P 500 Growth ETF move almost identically. Correlation is a measure of how often two assets move in the same direction; high correlation reduces diversification benefits between those positions. In practice, this means that 60% of the portfolio is effectively tied to a very similar group of large US growth stocks. When that segment does well, the lift is strong, but when it struggles, both of these core ETFs tend to decline together, making drawdowns more synchronized rather than offsetting each other.
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.
The efficient frontier analysis compares the current mix with alternative weightings using the same five ETFs. The current portfolio has a Sharpe ratio of 0.7, while both the minimum variance and max‑Sharpe portfolios have Sharpe ratios around 1.0 or higher. Sharpe ratio is a measure of return per unit of risk, after accounting for the risk‑free rate. Being about 3 percentage points below the efficient frontier at the same risk level suggests this mix isn’t using these holdings in the most risk‑efficient way. In other words, different internal weights could historically have delivered higher returns or lower risk without changing the building blocks.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.20%
- Invesco NASDAQ 100 ETF 0.50%
- Invesco S&P 500® Momentum ETF 0.80%
- Vanguard S&P 500 Growth Index Fund ETF Shares 0.50%
- Invesco S&P MidCap Momentum ETF 0.60%
- Weighted yield (per year) 0.64%
The overall dividend yield is relatively low at about 0.64%, with the highest‑yielding piece being the small cap value ETF at 1.20%. Yield is the annual income from dividends as a percentage of the portfolio value. This profile is typical for growth‑ and momentum‑focused US equity portfolios, where companies often reinvest earnings rather than pay them out. As a result, most of the historical and projected return story here comes from price changes, not from steady cash distributions. For investors watching income, this means dividends are a minor contributor compared with capital gains.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard S&P 500 Growth Index Fund ETF Shares 0.10%
- Invesco S&P MidCap Momentum ETF 0.34%
- Weighted costs total (per year) 0.16%
Total ongoing fund costs, measured by the weighted average TER (Total Expense Ratio), sit around 0.16%. TER is the annual fee charged by ETFs as a percentage of your investment. This level is impressively low for a portfolio with style tilts and factor‑based funds. Lower costs mean less return is eaten up by fees each year, and that difference compounds over time. Relative to many actively managed or specialized strategies, this portfolio’s cost structure is efficient, providing access to growth, momentum, and small‑cap value tilts without a heavy fee drag on long‑term performance.
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