Growth focused global equity portfolio with strong US tilt and tech concentration but broadly balanced factors
Report created on Sep 24, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 48.52% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 28.54% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 14.92% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 4.86% -
NV NVIDIA Corporation
NVDA - US67066G1040 3.16%
This portfolio is a pure equity mix built almost entirely with broad index ETFs and one single stock. Roughly half sits in a US large-cap index, a bit under a third in international stocks, and the rest in a growth-heavy US index, a dividend ETF, and a direct NVIDIA position. So structurally, it’s a growth-tilted equity portfolio with a clear US core and a noticeable tech flavor. Being 100% in stocks means it fully participates in equity market ups and downs, without the dampening effect bonds or cash can provide. The combination of broad funds plus a concentrated single stock adds both diversification from the indexes and extra idiosyncratic risk from NVIDIA.
Growth
From late 2020 to late 2026, $1,000 in this portfolio grew to about $2,661, a compound annual growth rate (CAGR) of 18%. CAGR is like average speed on a road trip: it smooths the path to show how fast you “got there” overall. Over this period, the portfolio outpaced both the US market (15.62% CAGR) and the global market (13.54% CAGR). The tradeoff was a max drawdown of -28.1%, a bit deeper than the US market but close to global. It took about 14 months to recover from that drop, underlining that strong long-term gains came with stretches of meaningful volatility.
Projection
The Monte Carlo projection models many possible 15‑year futures by randomly reordering and blending historical return patterns. Think of it as running 1,000 alternate timelines using the portfolio’s past behavior as raw material. The median outcome grows $1,000 to around $2,672, with a wide “likely” band from roughly $1,713 to $4,242, and more extreme paths down to about $952 or up to $7,813. The average simulated annual return is 8.07%, noticeably lower than recent realized returns. This highlights two points: past performance has been unusually strong, and future paths, while often positive in the simulations, are uncertain and can include long flat or negative stretches.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with 0% in bonds, cash, or alternatives. That’s straightforward to understand: returns are driven entirely by equity markets. A 100% stock allocation typically means higher expected long-term growth compared with mixed stock–bond portfolios, but also larger and more frequent swings in value. There’s no built‑in “shock absorber” from bonds or cash, so any risk-reducing effect has to come from diversification within equities themselves. The broad US and international index funds help spread exposure across thousands of companies, which is a positive for equity diversification, but overall risk still tracks global stock market cycles quite closely.
Sectors
- Technology 37%
- Financials 13%
- Industrials 9%
- Consumer Discretionary 9%
- Telecommunications 8%
- Health Care 8%
- Consumer Staples 5%
- Energy 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector-wise, technology dominates at 37%, with financials, industrials, and consumer discretionary each under 15%, and the rest spread across telecom, health care, staples, energy, materials, utilities, and real estate. Compared with broad global equity benchmarks, this is clearly tech‑heavy. Tech and related growth sectors can drive strong performance when innovation and earnings momentum are in favor, but they also tend to be more sensitive to changes in interest rates and market sentiment. The presence of dividend and broad market funds helps keep exposure to defensive sectors like staples and utilities, yet tech remains the main engine and main volatility source here.
Regions
- North America 74%
- Europe Developed 10%
- Asia Developed 5%
- Japan 4%
- Asia Emerging 4%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 74% of the portfolio is in North America, with the rest split across developed Europe, Japan, other developed Asia, and smaller slices in emerging regions. Global equity benchmarks today often have around 60% in the US, so this portfolio is more US‑tilted than the world market. A strong US tilt has historically been rewarding in the last decade, but it also concentrates economic and currency exposure in one region. The remaining allocation across Europe, Japan, and emerging markets adds useful diversification, since different economies and currencies can move on their own cycles. Overall, this is a global portfolio, but with the US firmly in the driver’s seat.
Market capitalization
- Mega-cap 47%
- Large-cap 33%
- Mid-cap 17%
- Small-cap 2%
By market cap, the portfolio is dominated by mega‑ and large‑cap companies (about 80%), with moderate mid‑cap and very small small‑cap exposure. This structure is quite aligned with mainstream index investing, where larger companies naturally carry more weight. Big firms tend to have more diversified businesses and steadier earnings than smaller ones, which can dampen some of the extreme volatility you might see in small‑cap‑heavy portfolios. At the same time, this means less direct exposure to the potentially higher‑growth, higher‑risk small‑cap segment. The cap profile matches common benchmarks closely, which is a strong indicator that the portfolio is anchored in broad, core equity exposures.
True holdings
-
Part of fund(s):
- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc. 4.53%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.60%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.49%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.93%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.60%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 1.53%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.42%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.29%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.20%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
- Top 10 total 27.90%
Looking through the ETFs, the top underlying exposure is NVIDIA at about 8.32% total, combining a 3.16% direct holding plus roughly 5.16% through funds. Several other large US tech names like Apple, Microsoft, Amazon, Alphabet, Meta, Broadcom, and Tesla also appear via multiple ETFs. This overlap means actual exposure to a handful of big growth companies is higher than any single fund’s weight might suggest. Since only ETF top‑10 holdings are included, real overlap is probably somewhat larger. The main implication is hidden concentration: performance and risk are more tied to a specific group of mega‑cap tech and growth stocks than the fund list alone might indicate.
Factors
Factor exposure across value, size, momentum, quality, yield, and low volatility is broadly neutral, sitting in the 40–60% range for all six. Factors are like underlying “drivers” of return, such as favoring cheaper stocks (value) or steadier ones (low volatility). A neutral profile means the portfolio behaves much like the overall market on these dimensions, without leaning heavily into or away from any particular style. This is actually quite well‑balanced: it avoids strong bets on, say, high‑yield or deep‑value strategies that can swing wildly relative to the market. Day‑to‑day performance is therefore more likely to be explained by broad equity moves and sector tilts rather than systematic factor bets.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 48.52% 46.9% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 28.54% 24.3% -
Invesco NASDAQ 100 ETF
Weight: 14.92% 18.8% -
NVIDIA Corporation
Weight: 3.16% 7.0% -
Schwab U.S. Dividend Equity ETF
Weight: 4.86% 3.1%
Risk contribution shows how much each position adds to the portfolio’s overall ups and downs, which can differ from its simple weight. The S&P 500 ETF is about 49% of the portfolio and contributes roughly 47% of risk, very proportional. The NASDAQ 100 ETF is 15% of weight but nearly 19% of risk, reflecting its growth bias and volatility. NVIDIA stands out most: a 3.16% weight contributes about 7% of total risk, over twice its size. The top three holdings drive almost 90% of portfolio risk. This pattern is typical: concentrated growth and single stocks often punch above their weight in shaping how the portfolio feels during sharp market moves.
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 this portfolio’s risk–return mix with the best combinations achievable using the same holdings. The current portfolio has a Sharpe ratio of 0.74, while the maximum‑Sharpe mix reaches 1.27, and even the minimum‑variance mix scores 0.87. The current point sits about 4.78 percentage points below the efficient frontier at its risk level, meaning the same building blocks could be arranged for better risk‑adjusted returns. Sharpe ratio, which measures return earned per unit of volatility above a risk‑free rate, shows that both a higher‑return, higher‑risk mix and a lower‑risk, slightly lower‑return mix would lie closer to the frontier than today’s allocation.
Dividends
- NVIDIA Corporation 0.10%
- Invesco NASDAQ 100 ETF 0.30%
- Schwab U.S. Dividend Equity ETF 3.10%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.30%
- Weighted yield (per year) 1.34%
The portfolio’s overall dividend yield is about 1.34%, which is relatively modest. That’s expected for a growth‑oriented equity mix dominated by broad US and international index funds and a tech stock with a tiny yield. The Schwab US Dividend Equity ETF stands out at around 3.1%, but it’s a small slice overall, so it doesn’t drive the headline yield. In practice, this means most of the portfolio’s historical and expected total return has come from price movement rather than income. For investors who care about payouts, it’s useful to remember dividends are just one component of return; reinvested dividends plus price growth together shape long‑term compounding.
Ongoing product costs
- Invesco NASDAQ 100 ETF 0.15%
- Schwab U.S. Dividend Equity ETF 0.06%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.05%
Total annual costs are very low at around 0.05% (the TER, or total expense ratio, is the yearly fee charged by funds). Individual ETFs range from 0.03% to 0.15%, with the heavier‑fee fund still quite cheap by industry standards. Low costs matter because they’re one of the few factors that are both predictable and fully in your control: every dollar not spent on fees stays invested to compound over time. This fee level is impressively low and aligns with best‑in‑class passive investing practice. Structurally, the portfolio is set up so costs are unlikely to be a meaningful drag on long‑run performance.
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