Blended US equity portfolio with tech tilt and efficient risk return profile over recent years
Report created on May 11, 2026Risk profile
4/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 35.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 25.00% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 25.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 15.00%
This portfolio is a four‑fund, 100% stock mix with a clear US focus and a growth tilt. Around a third sits in a broad large‑cap US index, with another quarter in US small‑cap value and a further quarter in a concentrated large‑cap growth index. The remaining slice goes to broad international equities outside the US. Structurally, this creates diversification across company sizes and investment styles while still keeping things fairly simple. Because everything is in equities, the main driver of ups and downs is the stock market itself rather than bonds or cash. The blend of broad and more focused funds helps balance targeted exposure with overall market coverage.
Growth
Historically, $1,000 invested in this mix in late 2020 grew to about $2,406, a compound annual growth rate (CAGR) of 17.13%. CAGR is like your average speed over a long road trip, smoothing bumps along the way. Over the same period, the US market returned 15.77% and the global market 13.65%, so this portfolio outpaced both. The deepest pullback, or max drawdown, was about -24.8%, very similar to the US market’s worst drop. It took around 11 months to bottom and 14 months to fully recover. Only 28 days produced 90% of returns, underlining how missing a few strong days can heavily affect long‑term results.
Projection
The Monte Carlo projection looks ahead 15 years by randomly re‑mixing past patterns of returns and volatility thousands of times. Think of it as running 1,000 “what if” futures based on historical behavior, not as a crystal ball. In these simulations, a $1,000 investment most often ends near $2,722, with a middle‑of‑the‑road range from about $1,789 to $4,155. The very wide possible band ($900 to $7,516) shows how uncertain long‑term outcomes can be, even with the same starting point. The average simulated annual return is around 7.97%, and roughly 73% of the paths end with a gain, highlighting both upside potential and meaningful downside risk.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with no bonds or cash in the mix. Asset classes are broad categories like equities, bonds, and real assets, each behaving differently in various market environments. Being fully in equities generally means higher long‑term growth potential but also larger swings along the way, especially during market stress. Compared with a more mixed stock‑and‑bond approach, this all‑equity structure trades stability for return potential. The presence of both domestic and international stock funds does add some diversification within equities, but it does not cushion market‑wide equity downturns the way bonds or cash typically can.
Sectors
- Technology 30%
- Financials 14%
- Consumer Discretionary 12%
- Industrials 9%
- Telecommunications 9%
- Health Care 7%
- Energy 7%
- Consumer Staples 6%
- Basic Materials 3%
- Utilities 2%
- Real Estate 1%
Sector‑wise, the portfolio leans heavily into technology at about 30%, with meaningful exposure to financials, consumer discretionary, industrials, and telecommunications. Smaller slices appear in health care, energy, consumer staples, materials, utilities, and real estate. Compared with broad global equity benchmarks, this is a tech‑tilted mix, partly driven by the S&P 500 and NASDAQ 100 components. Sector allocation matters because different parts of the economy respond differently to interest rates, inflation, and growth cycles. Tech‑heavy portfolios can benefit strongly when innovation and growth themes lead markets, but they may also experience sharper drawdowns during periods of rising rates or when sentiment shifts away from growth companies.
Regions
- North America 85%
- Europe Developed 6%
- Japan 2%
- Asia Emerging 2%
- Asia Developed 2%
- Latin America 1%
- Australasia 1%
- Africa/Middle East 1%
Geographically, about 85% of the portfolio is in North America, with the rest spread thinly across Europe, Japan, other developed Asia, emerging Asia, Latin America, Australasia, and Africa/Middle East. Global benchmarks typically have a large US weight, but this portfolio is even more US‑centric than the global market. Geography matters because returns, currencies, and economic cycles differ across regions. A strong home tilt can benefit when the domestic market outperforms, as it has in recent years, but it also concentrates exposure in a single economy and currency. The modest allocation outside North America does provide some global diversification, though it remains a secondary driver.
Market capitalization
- Mega-cap 37%
- Large-cap 25%
- Small-cap 14%
- Mid-cap 12%
- Micro-cap 11%
By market capitalization, the mix is spread from mega‑caps at 37% down to micro‑caps at 11%, with large, mid, and small caps in between. Market cap is simply company size based on share price times shares outstanding. Compared to a pure large‑cap index, this portfolio intentionally reaches further down the size spectrum, mainly through the small‑cap value ETF. Smaller companies often have more volatile share prices but can offer different growth or recovery patterns than the biggest global names. This size spread helps diversify sources of return across company types, while the strong presence of mega‑caps keeps a significant anchor in established, liquid businesses.
True holdings
-
NV NVIDIA Corporation 4.82%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.11%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.04%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.50%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.02%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.75%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.74%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.52%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 0.85%
Part of fund(s):- Invesco NASDAQ 100 ETF
-
ME Meta Platforms Inc. 0.78%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 23.15%
Looking through the ETFs, the top identifiable exposures are familiar large US tech and growth companies like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Tesla, Micron, and Meta. Some of these appear in more than one ETF, creating overlap that increases their effective weight. For example, NVIDIA, Apple, and Microsoft together already represent a noticeable slice of the portfolio based only on disclosed top‑10 holdings. Because only ETF top‑10s are used here, overlap is likely understated; actual concentration in these big names is probably higher. This kind of hidden clustering means the portfolio’s fortunes are meaningfully tied to the performance of a relatively small group of very large companies.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility sits in a neutral, market‑like band for all six. Factors are characteristics such as cheap vs. expensive (value), large vs. small (size), or stable vs. jumpy (low volatility) that research has linked to long‑term return patterns. A neutral profile means no strong systematic bets in any one direction; the behavior is expected to be broadly similar to a diversified equity market. This balanced factor picture complements what’s visible in the holdings: even though some funds target specific segments, the overall mix washes out to something quite close to a general equity exposure rather than a specialized factor strategy.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 35.00% 31.9% -
Invesco NASDAQ 100 ETF
Weight: 25.00% 28.5% -
Avantis® U.S. Small Cap Value ETF
Weight: 25.00% 28.1% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 15.00% 11.5%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. Here, the three largest positions by weight together account for about 88% of total risk. The NASDAQ 100 and US small‑cap value ETFs, each at 25% weight, contribute slightly more risk than their size would suggest (risk/weight ratios just above 1). The S&P 500 and international fund contribute slightly less risk than their weights. This pattern reflects that more volatile or concentrated funds punch above their weight in driving portfolio swings. Position sizing and volatility, not just percentage weight, both matter for understanding where risk really comes from.
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 risk vs. return analysis plots the portfolio against an efficient frontier, which is the best risk/return mix possible using only these four holdings at different weights. The current allocation has a Sharpe ratio of 0.77, while the maximum‑Sharpe mix reaches 0.94 and the minimum‑variance mix sits at 0.85. The Sharpe ratio compares return to volatility after accounting for a risk‑free rate; higher means better risk‑adjusted performance. Importantly, this portfolio is on or very near the efficient frontier, meaning that, given these specific funds, the weighting is already quite efficient. Any potential improvements from reweighting would be incremental rather than transformational.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco NASDAQ 100 ETF 0.40%
- Vanguard S&P 500 ETF 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 1.22%
The portfolio’s overall dividend yield is about 1.22%, with higher income from the international and small‑cap value funds and lower yields from the large US growth exposure. Dividend yield is the annual cash payout relative to price, and it can be an important component of total return over long periods. Here, most of the historical growth has come from price appreciation rather than income. Compared with more income‑oriented mixes, this profile leans toward growth and reinvestment. That’s consistent with the strong representation of large US growth names and the NASDAQ 100 ETF, which tends to include companies that reinvest more of their profits instead of paying them out as dividends.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- 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) 0.12%
The total ongoing cost, measured by the weighted average TER of around 0.12%, is impressively low for an all‑equity portfolio using both broad and specialized funds. TER, or Total Expense Ratio, is the annual fee charged by each ETF as a percentage of assets; it quietly reduces returns over time. Here, low‑cost core holdings offset the slightly higher fee of the small‑cap value ETF, keeping overall expenses modest. Relative to many actively managed strategies with higher fees, this cost level supports better long‑term compounding. In other words, more of the portfolio’s gross market return is likely to stay in the investor’s pocket rather than being lost to fund charges.
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