Focused us stock portfolio tilted to mega cap growth with strong efficiency and low costs
Report created on Mar 28, 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
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VO Vanguard S&P 500 ETF
VOO - US9229083632 70.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 30.00%
The portfolio is intentionally simple, holding just two equity ETFs: a broad US large‑cap fund at 70% and a NASDAQ‑100 tracker at 30%. That means every dollar is in stocks and heavily focused on big US companies, especially growth names. Simple lineups like this are easy to understand and maintain, which many investors really value. The flip side is low diversification across regions and asset classes, which can amplify swings when US large‑cap growth is out of favor. The key takeaway is that this is a concentrated growth‑oriented equity mix: powerful when its style is in vogue, but likely to be bumpy and closely tied to US stock market cycles.
Growth
From late 2020 to March 2026, $1,000 grew to about $1,967, with a compound annual growth rate (CAGR) of 13.25%. CAGR is like the average yearly “speed” of growth over the whole period. That slightly beat the US market’s 13.11% and comfortably outpaced the global market’s 11.17%, showing that the growth tilt has helped recently. The worst peak‑to‑trough drop (max drawdown) was -27.42%, a bit deeper than the US market’s -24.50%, which matches the growth‑heavy profile. Only 21 days made up 90% of returns, highlighting how missing a few big days would have hurt results. As always, past performance doesn’t guarantee future outcomes.
Asset classes
- Stocks 100%
All 100% of the portfolio is in stocks, with no bonds, cash, or alternative assets. That pure‑equity stance is very growth‑focused and aligns with the “Growth Investors” risk classification and a 5/7 risk score. It can be powerful over long horizons because stocks historically have offered higher returns than bonds, but it also leaves no cushion from safer assets during market downturns. Many broad benchmarks hold a mix of stocks and bonds to smooth the ride; by comparison, this portfolio is deliberately more aggressive. The main takeaway is that this setup is best aligned with someone who can tolerate large swings and doesn’t need stability or withdrawals in the near term.
Sectors
- Technology 39%
- Telecommunications 12%
- Consumer Discretionary 11%
- Financials 9%
- Health Care 8%
- Industrials 7%
- Consumer Staples 6%
- Energy 3%
- Utilities 2%
- Basic Materials 2%
- Real Estate 1%
Sector exposure is heavily tilted toward technology at 39%, with telecommunications and consumer discretionary also sizable, while areas like utilities, real estate, and basic materials are small. Compared with typical broad equity benchmarks, this is a clear overweight to growth and innovation‑driven industries. That has been a strong tailwind during periods of low rates and high enthusiasm for tech, but it can mean sharper pullbacks when interest rates rise or sentiment turns against high‑growth names. The good news is that the sector allocation closely matches large‑cap US growth benchmarks, which is a strong indicator of consistency with that style. The trade‑off is less balance across more defensive sectors that sometimes help during recessions.
Regions
- North America 99%
- Europe Developed 1%
Geographic exposure is almost entirely in North America, at 99%, with just 1% in developed Europe via global companies in the indices. That’s far more home‑biased than common global benchmarks, which usually split roughly 60% US and 40% the rest of the world. A US‑heavy approach has been rewarded over the last decade as US mega‑caps outperformed many international markets, so the historical performance advantage here is consistent with that. However, it also means results are tightly linked to the US economy, policy, and currency. If non‑US markets outperform for a stretch, this portfolio would likely lag more diversified global mixes. That’s a classic trade‑off between concentrating on a leading market vs. spreading bets worldwide.
Market capitalization
- Mega-cap 48%
- Large-cap 35%
- Mid-cap 16%
- Small-cap 1%
Market cap exposure leans strongly toward mega‑cap and large‑cap stocks (83% combined), with only modest mid‑cap at 16% and minimal small‑cap at 1%. Large and mega caps tend to be more established, profitable businesses, which can bring stability and better liquidity compared with smaller companies. The downside is less exposure to the small‑cap segment, which historically has had higher long‑term return potential but also higher volatility. This size profile aligns closely with big US index benchmarks, so it’s a familiar and widely used structure. The key effect is that performance will track the fortunes of the largest companies in the market, rather than capturing the full spectrum of corporate size.
True holdings
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NV NVIDIA Corporation 7.69%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 6.87%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 5.18%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.78%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 3.21%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 2.75%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.72%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 2.70%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 2.49%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
BR Berkshire Hathaway Inc 1.10%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 38.49%
Looking through the ETFs, the top underlying exposures are very concentrated in a handful of mega‑cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Meta, Broadcom, Tesla, and Berkshire Hathaway. Several of these appear in both ETFs, which creates hidden overlap: the portfolio looks like two funds, but risk is heavily driven by the same small group of companies. Overlap is likely even higher than shown because only ETF top‑10 holdings are included. This kind of concentration can boost returns when those leaders are strong but also ties portfolio performance closely to a small set of companies. It’s important to be aware that diversification is lower than the number of ticker symbols suggests.
Factors
Factor exposure is very balanced across the board: value, size, momentum, quality, yield, and low volatility are all around the neutral 40–60% range. Factor investing looks at characteristics like cheap vs. expensive, big vs. small, or steady vs. volatile, which research shows drive returns over time. Here, there’s no strong tilt toward or away from any of them, other than a mild lean away from smaller companies through the size factor. That means the portfolio behaves a lot like the broader large‑cap market rather than a specialized smart‑beta strategy. This well‑balanced factor profile is helpful because it reduces the risk that performance is overly dependent on any single style cycle, like value vs. growth or high vs. low volatility.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 70.00% 64.0% -
Invesco NASDAQ 100 ETF
Weight: 30.00% 36.0%
Risk contribution shows how much each holding actually drives the portfolio’s ups and downs, which can differ from simple weight. The S&P 500 ETF is 70% of the portfolio and contributes about 64% of total risk, slightly less than its weight, reflecting its broad diversification. The NASDAQ 100 ETF is 30% by weight but contributes nearly 36% of risk, meaning each dollar in it is a bit “riskier” than a dollar in the broader fund (risk/weight of 1.20). That’s typical for a more concentrated growth index. Overall, risk is split roughly in line with allocations, which is a sign of a sensible structure, but it’s worth knowing that the NASDAQ slice punches above its weight in volatility and drive‑seat influence.
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 portfolio sits right on or very close to the efficient frontier, with a Sharpe ratio of 0.67 versus 0.77 for the optimal and minimum‑variance mix. The Sharpe ratio measures return per unit of risk; higher is better. The optimal portfolio here actually has slightly lower expected return (13.79%) and lower risk (16.68%) using the same two ETFs in a different blend. Since your current allocation is already essentially on the frontier, the structure is highly efficient for this pair of holdings. That’s a big positive: there’s no obvious “free lunch” from reweighting, and the current mix already delivers a strong balance between volatility and expected return given its all‑equity, US‑focused nature.
Dividends
- Invesco NASDAQ 100 ETF 0.50%
- Vanguard S&P 500 ETF 0.90%
- Weighted yield (per year) 0.78%
Dividend yield for the overall portfolio is modest at about 0.78%, with the S&P 500 ETF at 0.90% and the NASDAQ 100 ETF at 0.50%. Dividends are the cash payments companies distribute to shareholders, and over long periods, they can be a meaningful part of total return. Here, though, the focus is clearly on capital growth from price appreciation rather than income. That’s typical for growth‑oriented strategies heavy in technology and other reinvestment‑focused businesses. For someone not relying on their portfolio for current cash flow, a lower yield is not necessarily a drawback; it simply means results will depend more on share price movement and less on steady income streams.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.07%
Costs are impressively low, with a blended total expense ratio (TER) of just 0.07%. TER is the annual fee charged by funds, and lower costs mean more of the portfolio’s return stays in your pocket rather than going to managers. Over decades, even small fee differences compound significantly, so being near the rock‑bottom end of the cost spectrum is a real advantage. This aligns very well with best practices and with how many institutional investors build core allocations. With such low fees, the main drivers of long‑term results will be asset mix and market performance, not cost drag, which is exactly where you want the focus.
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