Growth focused portfolio with strong technology tilt and powerful but very short term performance history
Report created on Jun 19, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 35.43% -
CH Roundhill Generative AI & Technology ETF
CHAT - US88636J6001 17.67% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 14.21% -
AA Apple Inc
AAPL - US0378331005 12.63% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 9.52% -
DR Roundhill Memory ETF
DRAM - US77926X3200 8.96% -
CO Pacer US Cash Cows 100 ETF
COWZ - US69374H8815 1.58%
This portfolio is almost entirely in equities, with broad US stock exposure at the core and several more specialized ETFs around it. The largest position is a total US market index fund at about a third of the portfolio, which is a solid anchor. Around that are focused funds in generative AI, memory, momentum, and US dividends, plus a direct Apple position. This mix leans clearly toward growth and innovation themes rather than defensive assets. Because the data window is only about two months, it’s hard to say how this combination behaves through a full cycle, but structurally it looks like a growth-tilted equity basket with a single main core holding and multiple high-octane satellites.
Growth
Over the short two‑and‑a‑half month window, the portfolio’s $1,000 hypothetical investment grew to about $1,336, implying an annualized return (CAGR) near 296%. CAGR is just the “average speed per year” over the period, and here it’s clearly distorted by the tiny sample. The portfolio also had a max drawdown of about ‑9%, meaning the biggest peak‑to‑trough drop so far. It outpaced both US and global market benchmarks by a wide margin, but again only over this brief stretch. With just nine days driving 90% of returns, a lot depends on a handful of strong tech‑related moves, so this should be seen as a lucky snapshot rather than a proven long‑term pattern.
Projection
The 15‑year Monte Carlo projection uses this short recent history to simulate many possible future paths for $1,000. Monte Carlo basically re‑mixes past returns randomly to see a range of outcomes, like running thousands of “what if” market scenarios. The median result lands around $2,799, with most simulations falling between roughly $1,800 and $4,400, and a 74.5% chance of ending positive. The average implied annual return of about 8.2% is more modest than the recent spike. Because the input data covers only about two months, these projections are much less reliable than usual and should be read as an educational illustration of uncertainty, not a forecast.
Asset classes
- Stocks 99%
- Other 1%
Asset‑class exposure is extremely straightforward: about 99% in stocks and 1% in “other,” with no meaningful bonds or cash‑like holdings. That means the portfolio’s ups and downs will closely track equity markets rather than being smoothed by fixed income. Compared with many diversified mixes that blend stocks and bonds, this is clearly on the growth‑oriented side. The limited history hasn’t yet shown how this all‑equity stance behaves in a deeper downturn, so there’s no long‑term volatility pattern to rely on. Still, the structure suggests that returns will be driven mostly by corporate earnings, valuations, and sentiment in equity markets, with only minimal cushioning from non‑equity assets.
Sectors
- Technology 55%
- Telecommunications 9%
- Health Care 7%
- Financials 6%
- Industrials 6%
- Consumer Discretionary 6%
- Consumer Staples 5%
- Energy 4%
- Real Estate 1%
- Utilities 1%
- Basic Materials 1%
Sector‑wise, the portfolio has a strong technology tilt at about 55%, with smaller allocations spread across telecom, health care, financials, industrials, consumer areas, energy, real estate, utilities, and materials. This is a much heavier tech share than typical broad benchmarks, with additional emphasis from AI and memory‑focused ETFs. That concentration can amplify gains when tech and related themes are in favor, but can also increase swings when sentiment turns or interest rates move. Over the short lookback, the big tech exposure has helped performance, but two months is far too little to confirm how it behaves across different interest‑rate or economic environments.
Regions
- North America 87%
- Asia Developed 8%
- Asia Emerging 2%
- Japan 2%
- Europe Developed 1%
Geographically, the portfolio is heavily tilted to North America at about 87%, with relatively small slices in developed and emerging Asia, Japan, and Europe. That’s a stronger US‑centric tilt than a typical global index, where the US is large but not this dominant. This alignment with the US market can be positive when US stocks lead, as they have in recent years, but it also ties the portfolio closely to one economy, one policy regime, and one currency. The limited timeframe makes the diversification benefit from the non‑US pieces hard to judge, but structurally, global shocks affecting US tech in particular would likely drive most of the portfolio’s movement.
Market capitalization
- Mega-cap 46%
- Large-cap 31%
- Mid-cap 14%
- Small-cap 3%
- Micro-cap 1%
By market capitalization, the portfolio leans toward larger companies: roughly 46% in mega‑caps, 31% in large‑caps, and smaller portions in mid, small, and micro‑caps. Bigger companies often have more diversified businesses and can be somewhat more resilient than tiny firms, though they can still be volatile, especially in fast‑moving tech segments. This size mix is broadly consistent with many mainstream equity portfolios, but with a bit more emphasis on very large names. Over two months, it’s hard to tease out a stable pattern, yet the structure suggests that individual small‑cap shocks are less likely to dominate; instead, swings in mega‑cap tech and growth leaders will matter most.
True holdings
-
Part of fund(s):
- Vanguard Total Stock Market Index Fund ETF Shares
-
NV NVIDIA Corporation 4.33%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Roundhill Generative AI & Technology ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.72%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Roundhill Generative AI & Technology ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 2.70%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Roundhill Generative AI & Technology ETF
- Roundhill Memory ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
00 SK Hynix Inc 2.54%
Part of fund(s):- Roundhill Generative AI & Technology ETF
- Roundhill Memory ETF
-
AV Broadcom Inc 2.31%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Roundhill Generative AI & Technology ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 2.25%
Part of fund(s):- Roundhill Generative AI & Technology ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.00%
Part of fund(s):- Roundhill Generative AI & Technology ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
SS Samsung Electronics Co Ltd 1.88%
Part of fund(s):- Roundhill Generative AI & Technology ETF
- Roundhill Memory ETF
-
FG First American Funds Inc. - Government Obligations Fund 1.61%
Part of fund(s):- Roundhill Memory ETF
- Top 10 total 37.21%
Looking through the ETFs, Apple stands out with a total exposure of about 14.9%, combining the direct stock and its presence inside funds. Other large underlying names include NVIDIA, Alphabet, Micron, SK Hynix, Broadcom, Microsoft, Amazon, Samsung, and a government obligations fund. These overlaps mean that even though you hold several different ETFs, part of the risk is concentrated in a cluster of big tech and semiconductor companies. Because only top‑10 ETF holdings are used, true overlap is likely a bit higher. The short historical window hasn’t yet fully revealed how this concentration behaves in stressed conditions, but structurally it creates a clear dependence on a handful of large tech leaders.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposure shows a very high tilt to quality and a high tilt to momentum, with a very low score on size. Factors are like underlying “personality traits” of stocks that research links to returns: quality relates to strong balance sheets and profitability, while momentum reflects recent strong performance. A strong quality tilt often helps in choppier markets, while high momentum tends to do well in trending rallies but can suffer in sharp reversals. The very low size factor suggests limited emphasis on smaller companies. These readings are based on the current holdings rather than long histories, so they describe today’s structure more than any proven long‑term behavior.
Risk contribution
-
Roundhill Generative AI & Technology ETF
Weight: 17.67% 32.5% -
Roundhill Memory ETF
Weight: 8.96% 30.2% -
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 35.43% 18.8% -
Invesco S&P 500® Momentum ETF
Weight: 9.52% 11.2% -
Apple Inc
Weight: 12.63% 5.4% - Top 5 risk contribution 98.1%
Risk contribution highlights how different positions drive the portfolio’s overall ups and downs, which can differ from their weights. Here, the two Roundhill funds together contribute over 60% of total risk, despite being around 26% of the weight, with the Memory ETF especially outsized relative to its size. The core Vanguard total market ETF is over a third of the portfolio but contributes less than 20% of risk, and Apple’s direct position has a modest risk share compared with its weight. With the top three holdings driving more than 80% of total risk, the practical behavior of the portfolio is heavily shaped by a few high‑volatility, thematic positions.
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‑versus‑return chart compares your current mix with an “efficient frontier,” which shows the best expected return for each risk level using only these same holdings. The current portfolio has a very high Sharpe ratio on recent data, but it still sits below the frontier by about 13.8 percentage points of return at its risk level. The optimal mix slightly increases risk but improves the Sharpe ratio, while the minimum variance version cuts risk sharply with much lower expected return. Since all these stats are anchored on an unusually strong two‑month period, any sense of efficiency is tentative, yet the chart suggests there is theoretical room to rearrange weights for better risk‑adjusted balance.
Dividends
- Apple Inc 0.40%
- Roundhill Generative AI & Technology ETF 1.60%
- Pacer US Cash Cows 100 ETF 2.00%
- Schwab U.S. Dividend Equity ETF 3.30%
- Invesco S&P 500® Momentum ETF 0.70%
- Vanguard Total Stock Market Index Fund ETF Shares 1.00%
- Weighted yield (per year) 1.25%
The overall dividend yield of about 1.25% is modest, with the Schwab U.S. Dividend Equity ETF the main yield driver at roughly 3.3%. Yield is the cash income paid out each year as a percentage of the investment, separate from price moves. In this portfolio, dividends are a secondary feature rather than the main engine of returns; most of the action is expected to come from price growth, especially in tech and momentum‑oriented holdings, not from income. Over just two months, the realized dividend pattern doesn’t tell much, but the current structure suggests a growth‑first, income‑later profile rather than a high‑payout strategy.
Ongoing product costs
- Roundhill Generative AI & Technology ETF 0.75%
- Pacer US Cash Cows 100 ETF 0.49%
- Schwab U.S. Dividend Equity ETF 0.06%
- Invesco S&P 500® Momentum ETF 0.13%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.17%
Average ongoing costs are relatively low at about 0.17% per year, helped by the very cheap Vanguard core fund and low‑fee Schwab and Invesco ETFs. A few specialized funds, like the generative AI ETF at 0.75%, are more expensive, which is common for niche thematic strategies. Costs matter because they come out every year regardless of performance, and over time even small percentages compound. From a structural perspective, this fee level is impressively low for a portfolio that mixes a broad index core with several active or thematic satellites, providing a cost‑efficient base while still allowing room for more focused, higher‑fee exposures.
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