High growth US focused portfolio with strong tech tilt and standout historical performance
Report created on Mar 22, 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 50.00% -
VG Vanguard Information Technology Index Fund ETF Shares
VGT - US92204A7028 25.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 15.00% -
IA iShares Gold Trust
IAU - US4642852044 10.00%
The portfolio is highly concentrated, with 90% in stocks and 10% in gold. Half sits in a broad US market ETF, while the other half leans aggressively into technology and semiconductors via two focused ETFs. This structure makes the core fairly diversified, with a big “satellite” bet on one high-growth area plus a small diversifier in gold. That kind of barbell approach can create strong upside but also larger swings when the favored theme is out of favor. Anyone using a setup like this should be very comfortable with equity risk and be prepared for big performance gaps versus broad markets over shorter periods.
Growth
From 2016 to early 2026, a hypothetical $1,000 grew to about $6,391, a compound annual growth rate (CAGR) of 20.95%. CAGR is like the steady speed your money would have needed each year to go from start to finish. That beats both the US market (14.20%) and global market (11.63%) by a wide margin, with a max drawdown of -32.73% that’s actually slightly milder than the benchmarks’ worst falls. Only 45 days delivered 90% of total returns, highlighting how a handful of big up days drove results. This is excellent past performance, but it relies heavily on tech and semiconductor strength, which cannot be assumed to repeat.
Projection
The Monte Carlo simulation projects many possible 10‑year paths based on historical return and volatility patterns. Think of it as running the last decade’s behavior thousands of times in slightly different sequences to see a range of outcomes. Median results show a very high cumulative return around 1,284%, with even the 5th percentile still more than tripling the initial amount. However, this method assumes the future resembles the past, which is a big if, especially for a tech- and chip-heavy allocation. Simulations are useful for framing potential ranges, but they can’t predict regime changes, new risks, or long periods where a favored theme underperforms.
Asset classes
- Stocks 90%
- Other 10%
With 90% in equities and 10% in gold, this is firmly an aggressive growth setup. Equity-heavy allocations like this typically outpace inflation and cash over long horizons, but they also suffer deeper and more frequent drawdowns. Gold provides a small buffer, sometimes zigging when stocks zag, especially during crises or high inflation. Compared with many growth profiles that still hold some bonds, this structure sacrifices income and dampened volatility to chase higher long-run appreciation. That trade-off can make sense for long timelines, but it increases the emotional and financial challenge during bear markets, when staying invested becomes hardest and yet most important.
Sectors
- Technology 56%
- Financials 6%
- Telecommunications 6%
- Consumer Discretionary 5%
- Health Care 5%
- Industrials 4%
- Consumer Staples 3%
- Energy 2%
- Utilities 1%
- Real Estate 1%
- Basic Materials 1%
Sector exposure is dominated by technology at 56%, with everything else far behind: single-digit allocations to financials, communication services, consumer areas, healthcare, and industrials. This is far more concentrated than common broad benchmarks, where tech is large but not a majority. Tech-heavy portfolios usually benefit from innovation, digitalization, and productivity trends, but they are more sensitive to interest rates, earnings expectations, and regulatory shifts. When rates rise or growth sentiment cools, such portfolios can drop faster than the market. The smaller stakes in other sectors help but don’t fully offset the tech bias, so overall behavior will still track tech cycles closely.
Regions
- North America 87%
- Asia Developed 2%
- Europe Developed 1%
Geographically, about 87% of exposure is in North America, with only small slices in developed Asia and Europe. This is more US‑centric than many global benchmarks, which allocate a significant share to non‑US markets. A strong home bias can pay off when US companies lead, as they have over the last decade, but it also means results are heavily tied to one economy, currency, and policy regime. Underperformance of US markets or a weaker dollar would hit this kind of allocation harder. Adding more non‑US exposure is a common way investors seek to reduce dependence on any single region’s fortunes.
Market capitalization
- Mega-cap 44%
- Large-cap 30%
- Mid-cap 13%
- No data 10%
- Small-cap 3%
- Micro-cap 1%
By market cap, the portfolio leans heavily into large and mega-cap companies: 44% mega, 30% big, and 13% medium, with only a small slice in small and micro caps. Large firms tend to be more stable, widely followed, and liquid, which can support lower company-specific risk and narrower bid‑ask spreads. However, smaller companies sometimes deliver higher long-term growth, at the cost of more volatility. The current tilt lines up with many major indexes that are dominated by giants, especially in tech. This supports smoother trading and index-like behavior for part of the portfolio but limits any dedicated tilt toward smaller, potentially higher‑beta names.
True holdings
-
NV NVIDIA Corporation 10.93%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AA Apple Inc 7.28%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 5.08%
Part of fund(s):- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 3.44%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 2.06%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.74%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Taiwan Semiconductor Manufacturing 1.60%
Part of fund(s):- VanEck Semiconductor ETF
-
GO Alphabet Inc Class A 1.54%
Part of fund(s):- Vanguard S&P 500 ETF
-
LR Lam Research Corp 1.52%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
-
AM Applied Materials Inc 1.46%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Information Technology Index Fund ETF Shares
- Vanguard S&P 500 ETF
- Top 10 total 36.64%
Looking through the ETFs, there’s heavy overlap in a small group of mega-cap tech and chip names. NVIDIA at 10.93%, Apple at 7.28%, and Microsoft at 5.08% together already make up over 23% of total exposure. Several other chip and platform companies appear multiple times via different funds, creating “hidden” concentration even though everything is held through diversified ETFs. This matters because if those few giants stumble, their impact is magnified across the whole portfolio. While such concentration has powered past outperformance, it also ties future results more tightly to the fate of a limited set of companies and one broad theme.
Factors
Factor exposure shows a mix of momentum and low volatility as the dominant characteristics. Momentum means holdings that have done well recently, which often continue to outperform in trending markets but can reverse sharply when trends break. Low volatility refers to stocks that historically move less than the market, which can cushion downturns but sometimes lag in roaring bull markets. Factor investing targets such traits as the “ingredients” behind performance. Here, the combination suggests a bias toward strong recent winners that are relatively stable within their peer group. That can be powerful, but results may change if leadership rotates to value, small caps, or higher-yielding areas.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 50.00% 44.9% -
Vanguard Information Technology Index Fund ETF Shares
Weight: 25.00% 30.9% -
VanEck Semiconductor ETF
Weight: 15.00% 23.0% -
iShares Gold Trust
Weight: 10.00% 1.3%
Risk contribution highlights how much each position adds to overall portfolio ups and downs, which can differ from its weight. The S&P 500 ETF is 50% of the allocation but only 44.85% of total risk, while the tech ETF at 25% weight contributes 30.87% of risk. The semiconductor ETF is 15% of assets yet nearly 23% of risk, with a risk‑to‑weight ratio of 1.53, meaning it punches above its size in terms of volatility. Gold, at 10%, adds just 1.30% to risk, acting mainly as a stabilizer. These figures show that most of the portfolio’s turbulence comes from the focused tech and semiconductor sleeves.
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 allocation shows an expected return of 19.51% with volatility of 19.34%, giving a Sharpe ratio of 0.91. The efficient frontier represents the best tradeoffs possible using the same ETFs in different weights. Here, the portfolio sits below that curve, meaning a different mix of these same holdings could either reduce risk for similar return or boost return at similar risk. The optimal Sharpe portfolio has higher return with lower risk, and even the minimum variance mix looks more efficient. This suggests that rebalancing among the existing ETFs, rather than adding new ones, could materially improve the risk-adjusted profile.
Dividends
- VanEck Semiconductor ETF 0.30%
- Vanguard Information Technology Index Fund ETF Shares 0.40%
- Vanguard S&P 500 ETF 1.20%
- Weighted yield (per year) 0.74%
The total dividend yield is modest at about 0.74%, with the broad market ETF providing most of it at 1.20%, and the tech and semiconductor funds yielding less than 0.5%. This is typical for growth‑oriented, tech‑heavy exposures, where companies tend to reinvest earnings rather than pay them out. For investors prioritizing income, such a low yield means they’d need to sell shares periodically to generate cash flow. For growth-focused investors, the low yield is less of an issue, as the primary goal is capital appreciation instead of regular payouts. Still, it’s helpful to be clear that this structure is not aimed at income needs.
Ongoing product costs
- iShares Gold Trust 0.25%
- VanEck Semiconductor ETF 0.35%
- Vanguard Information Technology Index Fund ETF Shares 0.10%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.12%
Total ongoing costs are impressively low, with a combined TER around 0.12%. The core S&P 500 ETF is extremely cheap at 0.03%, the tech ETF at 0.10% is also efficient, and even the more specialized semiconductor ETF at 0.35% is reasonable for a niche segment. Low costs mean more of the portfolio’s gross return stays in your pocket each year, which compounds significantly over decades. This aligns well with best practices for long‑term investing, where minimizing fees is one of the few levers firmly under an investor’s control. From a cost standpoint, this setup strongly supports long-run performance without unnecessary drag.
What next?
Ready to invest in this portfolio?
Select a broker that fits your needs and watch for low fees to maximize your returns.
Create your own report?
Join our community!
The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.
Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.
Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.
Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.
By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.
Instrument logos provided by Elbstream.
Help us improve Insightfolio
Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey