Growth focused equity portfolio with tech tilt and strong small cap value diversification
Report created on Apr 13, 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
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 40.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 24.50% -
FN Schwab Fundamental International Large Company Index ETF
FNDF - US8085247554 21.60% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 13.90%
The portfolio is a pure equity mix split across four ETFs, with a clear growth orientation. Roughly 40% sits in a broad total US market fund, which forms a solid core. Around a quarter goes into a dedicated semiconductor ETF, adding a strong thematic growth tilt. The remaining allocation is split between international large companies and a US small cap value fund, which diversify away from mega-cap US growth. Structurally this is simple, easy to monitor, and mostly rules-based. The main takeaway is that this is a high-risk, high-return equity setup that leans heavily on one powerful growth theme while still keeping some balance through broad market and value/small-cap exposure.
Growth
From late 2019 to early 2026, $1,000 grew to about $3,675, a compound annual growth rate (CAGR) of 22.11%. CAGR is basically your “average yearly speed” over the journey, smoothing out all the bumps on the road. That’s a big outperformance versus both the US market at 15.22% and the global market at 12.92%. The max drawdown of -35.55%—the worst peak‑to‑trough drop—was slightly deeper than the benchmarks but recovered quickly in about five months. This pattern is typical of growth‑tilted equity portfolios: sharper swings but stronger upside. It’s important to remember that this great recent run doesn’t guarantee similar returns going forward, especially given the big tech and semiconductor exposure.
Projection
The Monte Carlo projection uses historical returns and volatility to run 1,000 “what if” simulations of the next 15 years. Think of it as rolling the dice many times based on past behavior to see a range of possible futures. The median outcome grows $1,000 to about $2,974, with a likely middle range of roughly $1,946–$4,297. There’s about a 79% chance of a positive result and an average simulated return of 8.31% a year. That’s solid for an all‑equity growth profile. Still, simulations rely on the past, which may not repeat—especially if tech or semiconductors behave very differently from history—so these numbers are a guide, not a promise.
Asset classes
- Stocks 100%
All of the portfolio is in stocks, with 0% in bonds, cash, or alternatives. That’s completely aligned with a growth investor profile but does mean full exposure to equity market ups and downs. Asset classes are like different engines in a plane: having only one powerful engine can get you there fast, but turbulence feels stronger. Compared with more balanced portfolios that mix in bonds or cash, this setup will likely experience larger drawdowns during market shocks but also capture more of any equity bull market. The main takeaway is that this structure is best suited to someone with a long time horizon and the psychological ability to sit through big fluctuations without reacting emotionally.
Sectors
- Technology 40%
- Financials 12%
- Industrials 10%
- Consumer Discretionary 9%
- Energy 7%
- Health Care 6%
- Telecommunications 5%
- Consumer Staples 4%
- Basic Materials 4%
- Utilities 2%
- Real Estate 1%
Sector-wise, technology makes up about 40%, clearly above what you’d see in a broad global benchmark. Financials, industrials, consumer, energy, and health care all show decent representation, which is encouraging for diversification outside pure tech. A heavy tech and semiconductor tilt can be fantastic when innovation and earnings growth are strong, as seen in your historical outperformance. But these sectors can be hit hard by rising interest rates, regulatory changes, or shifts in demand. The positive here is that non‑tech sectors still hold meaningful weight, which softens some risk. Still, day‑to‑day returns will be strongly influenced by how the tech ecosystem, especially semiconductors, behaves.
Regions
- North America 76%
- Europe Developed 12%
- Asia Developed 5%
- Japan 5%
- Australasia 1%
Geographically, about 76% is in North America, with the rest spread across developed Europe, Asia, Japan, and a small slice of Australasia. That’s more US‑tilted than a typical global market, but not extreme for a US‑based growth profile. This has been a tailwind recently because US markets, especially tech, have outpaced many international regions. The flip side is that results are closely tied to the US economy, policy, and dollar movements. The encouraging element is that over 20% sits outside North America, so you’re not completely dependent on a single region. Over long periods, a slightly broader global mix can sometimes smooth country‑specific shocks, but your current exposure still shows a meaningful step toward international diversification.
Market capitalization
- Mega-cap 37%
- Large-cap 31%
- Mid-cap 13%
- Small-cap 10%
- Micro-cap 7%
By market cap, the portfolio spans the full spectrum: about 37% mega‑cap, 31% large‑cap, with the rest in mid, small, and even micro‑cap stocks. This is a good sign of diversification by company size. Mega and large caps tend to be more stable and widely followed, while small and micro caps can be more volatile but sometimes deliver higher growth or value payoffs over time. The dedicated small cap value fund strengthens the smaller‑company sleeve, which can behave differently from large‑cap growth. This size mix means the portfolio doesn’t rely solely on giants; it can benefit if smaller companies have a strong cycle, while mega‑caps still anchor the overall risk profile.
True holdings
-
NV NVIDIA Corporation 6.99%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.86%
Part of fund(s):- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Taiwan Semiconductor Manufacturing 2.79%
Part of fund(s):- VanEck Semiconductor ETF
-
AA Apple Inc 2.36%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 1.76%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
IN Intel Corporation 1.32%
Part of fund(s):- VanEck Semiconductor ETF
-
AM Amazon.com Inc 1.22%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
-
LR Lam Research Corp 1.22%
Part of fund(s):- VanEck Semiconductor ETF
-
KL KLA Corporation 1.21%
Part of fund(s):- VanEck Semiconductor ETF
-
AS ASML Holding NV ADR 1.19%
Part of fund(s):- VanEck Semiconductor ETF
- Top 10 total 22.94%
Looking through to the top holdings, a lot of risk is tied to a small group of big technology and semiconductor names: NVIDIA at nearly 7%, plus Broadcom, TSMC, Apple, Microsoft, and others. These appear via multiple ETFs, which creates hidden concentration even though they’re not held directly. Because only ETF top‑10s are captured, real overlap is likely higher than shown. This kind of overlap matters because if a handful of these large firms stumble, several of your funds may fall at the same time. The positive angle is that these are globally competitive leaders, but it does mean your fortunes are tied closely to how major chip and big‑tech names perform.
Factors
Factor exposure looks quite balanced. Factors are like investment “personalities” such as value, size, or momentum that help explain why returns behave a certain way. Most of your factors—value, momentum, quality, yield, and low volatility—sit near neutral, meaning broadly market‑like behavior. Size stands out mildly higher at 62%, reflecting your extra tilt to smaller companies through the small cap value ETF. That tilt can help during periods when smaller stocks outperform large ones but may add volatility in tougher markets. Overall this is a well‑balanced factor profile: you’re not making concentrated bets on any single style like deep value or high momentum, which can help avoid extreme boom‑bust cycles tied to one narrow strategy.
Risk contribution
-
VanEck Semiconductor ETF
Weight: 24.50% 34.8% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 40.00% 34.7% -
Schwab Fundamental International Large Company Index ETF
Weight: 21.60% 16.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 13.90% 14.6%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, regardless of weight. Here, the semiconductor ETF is 24.5% of assets but contributes nearly 35% of total risk, meaning it’s a louder “instrument” in the orchestra. The total US market ETF is 40% of the weight and contributes a similar share of risk, which is quite balanced. The international and small cap value funds contribute less risk than their weights might suggest. Overall, the top three holdings drive over 85% of your risk, which is normal for a concentrated four‑ETF portfolio. If that feels too focused, shifting weights between these funds can meaningfully change how bumpy the ride feels without changing the number of holdings.
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, your current portfolio has a Sharpe ratio of 0.75, which measures return per unit of risk above the risk‑free rate. The optimal mix of these same funds would have a Sharpe of 1.01, but with much higher volatility, while the minimum‑risk mix has a Sharpe similar to today’s with lower returns. Your current point sits about 1.43 percentage points below the efficient frontier, meaning the same holdings could theoretically be rearranged to get slightly better risk‑adjusted performance. The good news is you’re already reasonably close, not wildly inefficient. Fine‑tuning weights—especially around the higher‑risk semiconductor allocation—could push the portfolio nearer the frontier if improving the balance between upside and volatility is a priority.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Schwab Fundamental International Large Company Index ETF 3.00%
- VanEck Semiconductor ETF 0.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Weighted yield (per year) 1.34%
The portfolio’s overall dividend yield is about 1.34%, which is on the lower side but consistent with a growth‑focused equity mix. Yield is the annual cash payout as a percentage of your investment—like rent from owning a property. The higher yields come from international large companies (around 3%) and small cap value, while the semiconductor ETF yields very little. This suggests total return is expected to come more from price appreciation than from income. That’s perfectly fine for investors focused on long‑term growth rather than current cash flow. If steady income is ever a priority, the structure could shift over time toward higher‑yielding strategies, but for now the yield profile matches a capital‑growth mindset.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Schwab Fundamental International Large Company Index ETF 0.25%
- VanEck Semiconductor ETF 0.35%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.19%
The weighted average total expense ratio (TER) is about 0.19%, which is impressively low for a portfolio that includes specialized and factor‑tilted funds. TER is the annual fee taken by the funds, a bit like a small service charge for professional management. Your broad market core ETF is extremely cheap at 0.03%, helping offset the higher‑cost thematic semiconductor ETF at 0.35%. Keeping costs under control is one of the most reliable ways to improve long‑term outcomes because fees compound quietly over time. This cost structure is a clear strength: it delivers factor exposure, global diversification, and a focused growth theme without paying premium active‑management prices.
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