High growth focused portfolio with heavy US mega cap exposure and strong recent returns
Report created on Apr 15, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 40.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 15.00% -
AM Amazon.com Inc
AMZN - US0231351067 10.00% -
ME Meta Platforms Inc.
META - US30303M1027 10.00% -
NV NVIDIA Corporation
NVDA - US67066G1040 10.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 10.00% -
TS Tesla Inc
TSLA - US88160R1014 5.00%
The portfolio is 100% in stocks, split between three broad ETFs and four large individual companies. Around two thirds sits in broad market funds, with the rest in concentrated positions in well-known growth names. This makes the structure simple but quite punchy. Being fully in equities means higher potential long-term returns, but also larger swings in value along the way. There’s no built-in ballast like bonds or cash here. For someone with a long horizon and strong stomach for volatility, this kind of all‑equity mix can make sense; for anyone needing stability or short‑term cash, the ride could feel rough.
Growth
Over the last few years, $1,000 grew to about $3,118, a compound annual growth rate (CAGR) of 23.12%. CAGR is like your average speed on a road trip, smoothing out the bumps. That’s a big win versus both the US market (14.48%) and global market (12.64%). The flip side is a max drawdown of -38.5% — meaning the portfolio once fell almost 40% from peak to trough and took 9 months to fully recover. This history shows strong upside but also real downside shocks. It’s important to remember these figures are backward‑looking; future returns and drops can be very different.
Projection
The Monte Carlo projection simulates 1,000 alternate futures by mixing and re‑mixing historical returns in different random paths. It’s like running many “what if” market histories to see a range of possible outcomes. Over 15 years, the median result turns $1,000 into about $2,721, with a wide “likely” band from roughly $1,766 to $4,113. The overall average return across simulations is 8% per year. These numbers aren’t predictions; they’re probability-based scenarios built from past data. Markets can behave very differently, especially for a growth-heavy portfolio, so this should be treated as a rough map, not a promise.
Asset classes
- Stocks 100%
Everything here is in the equity asset class — there’s no allocation to bonds, cash, or alternatives. That gives the portfolio a clear, aggressive growth profile, which lines up with the “Growth Investors” risk label and 5/7 risk score. Asset class diversification matters because different types of investments often zig and zag at different times. With only stocks, everything tends to move in the same broad direction during major market events. For someone decades from needing the money, this pure-equity stance can be fine; closer to spending time, many investors consider adding steadier assets to smooth the ride.
Sectors
- Technology 33%
- Consumer Discretionary 22%
- Telecommunications 17%
- Financials 7%
- Industrials 6%
- Health Care 5%
- Consumer Staples 4%
- Energy 2%
- Basic Materials 2%
- Utilities 2%
- Real Estate 1%
Sector-wise, technology and consumer discretionary together make up more than half of the portfolio, with a further sizable chunk in communications-type businesses. That’s much more tilted toward growth-oriented, innovation-driven areas than a typical broad market. These sectors can benefit a lot from trends like digitalization and e‑commerce, but they’re also very sensitive to interest rates, regulation, and shifts in investor sentiment. Cycles can be sharp: fantastic during major tech rallies, but more painful in downturns. The positive angle is that the diversification across smaller sector slices still provides some spread, even though the core is firmly growth-tilted.
Regions
- North America 90%
- Europe Developed 4%
- Japan 2%
- Asia Developed 1%
- Asia Emerging 1%
Geographically, about 90% of the portfolio sits in North America, with only small slices in Europe, Japan, and other developed and emerging regions. That’s a clear home‑country and US‑heavy tilt compared with global benchmarks, where the US is large but not quite this dominant. Heavy exposure to one region concentrates economic, political, and currency risk in that area. The past decade has rewarded US bias, especially in tech, but leadership between regions can rotate over long stretches. The upside is that this alignment with the US market is simple and familiar; the trade‑off is less true global diversification.
Market capitalization
- Mega-cap 66%
- Large-cap 22%
- Mid-cap 10%
- Small-cap 1%
The portfolio is strongly skewed toward mega‑cap and large‑cap companies, with roughly 88% in the biggest firms, and only a tiny sliver in mid and small caps. Large and mega caps tend to be more stable and well‑researched, often with strong market positions, which can help reduce some company‑specific risk. However, this means less exposure to smaller, potentially faster‑growing businesses that sometimes drive outsized long‑term gains. The size breakdown aligns well with major indices, which is a positive sign of broad market-like structure, but anyone seeking extra small‑company “spice” isn’t really getting it here.
True holdings
-
Part of fund(s):
- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
Part of fund(s):
- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
Part of fund(s):
- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
Part of fund(s):
- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 3.76%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 2.78%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.77%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.54%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.48%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 0.63%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 56.12%
Looking through the ETFs, there’s meaningful overlap with your individual stocks. NVIDIA, Amazon, Meta, and Tesla show up both directly and inside the index funds, lifting total exposures to around 6–14% each. Overlap matters because it creates “hidden” concentration: you think you own lots of different things, but several positions all move together. The coverage data only uses ETF top-10 holdings, so real overlap is likely even higher. The main takeaway is that the portfolio is more centered on a handful of big tech and consumer names than the headline ETF list might suggest.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposure shows mild tilts away from value, size, and low volatility, with neutral readings on momentum, quality, and yield. Factors are like the underlying “ingredients” that drive returns — things like cheapness (value), company size, or price stability. A low value score means a preference for higher‑priced, growth‑oriented names rather than bargains. Low size and low volatility exposures reflect the focus on big, more volatile growth companies rather than smaller or steadier ones. Neutral momentum and quality suggest the portfolio behaves broadly in line with the market on those fronts. Overall, it’s a classic growth-leaning, large-cap profile.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 40.00% 27.4% -
NVIDIA Corporation
Weight: 10.00% 18.2% -
Invesco NASDAQ 100 ETF
Weight: 15.00% 14.3% -
Meta Platforms Inc.
Weight: 10.00% 14.2% -
Amazon.com Inc
Weight: 10.00% 12.2% - Top 5 risk contribution 86.3%
Risk contribution shows how much each holding drives the portfolio’s ups and downs, which can differ from its weight. NVIDIA is only 10% of assets but adds about 18% of total risk, a risk/weight ratio of 1.82. Meta and Amazon also punch above their weights. The top three positions by risk contribution together make up nearly 60% of overall volatility. The broad S&P 500 ETF, despite being 40% of the portfolio, contributes a smaller share of risk than its weight. This pattern is common in concentrated growth portfolios, and rebalancing or adjusting position sizes is one way to manage this imbalance if desired.
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 chart compares your current mix with the best possible combinations of the same holdings. The Sharpe ratio, which measures return per unit of risk, is 0.74 for the current portfolio. The minimum variance mix does slightly better at 0.78 with lower risk, while the mathematically “optimal” high‑Sharpe mix is much riskier overall. The key point: the current portfolio sits about 5 percentage points below the frontier at its risk level, meaning a different weighting of the same ingredients could, in theory, deliver better risk‑adjusted returns. That’s not a failure, just a sign there’s some room for fine‑tuning.
Dividends
- Meta Platforms Inc. 0.30%
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 0.82%
The portfolio’s total dividend yield sits around 0.82%, which is fairly low and typical for a growth‑tilted, tech‑heavy mix. Many of the major positions either pay very small dividends or focus instead on reinvesting profits into expansion. Dividends are cash payments from companies and can provide a steadier income stream, especially in retirement. Here, most of the expected return is likely to come from price appreciation rather than income. That can work well for long‑term compounding, but anyone relying on regular cash payouts from investments would need to look elsewhere to meet that goal.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
Costs are a real bright spot. The total expense ratio (TER) across the ETFs averages about 0.04%, which is impressively low. TER is the ongoing annual fee charged by funds, and while a few hundredths of a percent might seem tiny, it compounds over time. Low costs mean more of the portfolio’s return stays in your pocket instead of going to fund managers. This fee level is better than or equal to most widely used index funds, which is a strong structural advantage and supports long‑term performance. From a cost perspective, this setup is already doing an excellent job.
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