Concentrated quality growth stock portfolio with strong tech tilt and moderate diversification across income themes

Report created on Jun 18, 2026

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is entirely in individual stocks and equity ETFs, with no bonds or cash, and is fairly top‑heavy. The three largest positions alone make up over a quarter of the value, and the top ten positions account for a big chunk of overall risk and returns. This kind of structure often behaves more like a focused stock‑picking portfolio than a broad index. That’s important because results are driven heavily by a handful of names rather than the market as a whole. The mix of single stocks plus diversified ETFs gives some balance, but the clear emphasis is on specific companies and themes. In practice, that means outcomes will depend a lot on how those core holdings perform over time.

Growth Info

From late 2021 to mid‑2026, $1,000 in this portfolio grew to about $1,506, which works out to a Compound Annual Growth Rate (CAGR) of 9.94%. CAGR is like average speed on a road trip — it smooths the ups and downs into a single yearly growth rate. Over the same period, the US market returned 14.74% a year and the global market 12.06%, so this portfolio lagged both. The worst drawdown, or peak‑to‑trough drop, was about -27.4%, slightly deeper than the US market. It took roughly two years from peak to full recovery, showing that while the portfolio has grown, it has also experienced noticeable swings and slower catch‑up versus broad indices.

Projection Info

The Monte Carlo projection uses the portfolio’s past behavior to simulate 1,000 possible 15‑year futures. Think of it as running the same movie with different weather each time: same cast, different random shocks. The median outcome turns $1,000 into about $2,682, an annualized 7.97% across all simulations. The “likely” middle band ranges from roughly $1,725 to $4,132, with more extreme but still plausible outcomes from about $968 to $7,402. Around 71% of simulations end with a positive result. These numbers are not forecasts or guarantees — they simply show what might happen if the future rhymes with the past in terms of volatility and return pattern.

Asset classes Info

  • Stocks
    100%

All of this portfolio sits in one asset class: equities. That means there’s no built‑in buffer from bonds, cash, or alternatives during stock market downturns. Equities historically offer higher potential returns than safer assets, but with larger and more frequent swings. A 100% stock allocation tends to amplify both good and bad periods. Relative to many broad global benchmarks that include a mix of stocks and bonds, this portfolio is taking a more growth‑oriented stance by design. As a result, overall experience will be tightly tied to how global equity markets — and especially the chosen companies — perform, without the smoothing effect that fixed income often provides.

Sectors Info

  • Technology
    39%
  • Financials
    22%
  • Energy
    9%
  • Telecommunications
    9%
  • Health Care
    7%
  • Basic Materials
    5%
  • Consumer Discretionary
    4%
  • Consumer Staples
    3%
  • Industrials
    2%

Sector‑wise, the portfolio leans heavily into technology at about 39%, with financials also sizeable at 22%. Energy, telecommunications, and health care appear meaningfully, while other sectors like consumer staples, consumer discretionary, materials, and industrials show smaller weights. Compared with broad global indices, this is clearly more tech‑and‑finance focused. That concentration can boost returns if these areas outperform, especially in growth‑friendly environments, but it can also raise volatility during periods of rising interest rates, regulatory shifts, or sector‑specific setbacks. The presence of dividend and sector ETFs helps spread risk somewhat, yet overall risk and return are still dominated by the tech and financial exposure.

Regions Info

  • North America
    88%
  • Europe Developed
    4%
  • No data
    4%
  • Africa/Middle East
    2%
  • Japan
    1%

Geographically, the portfolio is anchored in North America at about 88%, with modest exposure to developed Europe, a small slice in Africa/Middle East and Japan, and a residual “no data” bucket. Many global benchmarks spread more heavily outside North America, so this portfolio is clearly tilted toward the US and neighboring markets. That home‑region focus can benefit from strong US corporate earnings and a familiar regulatory environment, but it also means results are closely tied to one main economy and currency. When North American markets lead, this can be an advantage; when they lag or face region‑specific headwinds, the portfolio has less offset from other parts of the world.

Market capitalization Info

  • Large-cap
    45%
  • Mega-cap
    36%
  • Mid-cap
    15%
  • Small-cap
    2%
  • Micro-cap
    1%

By market capitalization, the portfolio is dominated by mega‑ and large‑cap names (around 81% combined), with smaller allocations to mid‑, small‑, and micro‑caps. Large and mega caps tend to be more established companies with deeper liquidity and, often, more diversified business models, which can temper individual company risk. The smaller slice in mid and small caps still introduces some higher‑growth, higher‑volatility potential, but without overwhelming the overall profile. Compared with a pure small‑cap strategy, this structure is more anchored and generally more stable; compared with a total‑market index, it is somewhat similar but with more deliberate single‑stock bets on big, well‑known companies.

True holdings Info

  • Microsoft Corporation
    9.60%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    Direct holding 9.37%
  • Uber Technologies Inc
    9.51%
  • Mastercard Inc
    7.65%
  • Shift4 Payments Inc
    4.65%
  • Berkshire Hathaway Inc
    4.38%
  • Johnson & Johnson
    4.12%
    Part of fund(s):
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    Direct holding 4.04%
  • Renaissancere Holdings Ltd
    3.85%
  • Adobe Systems Incorporated
    3.66%
  • SoFi Technologies Inc.
    3.56%
  • Alphabet Inc Class C
    3.49%
    Part of fund(s):
    • Schwab U.S. Large-Cap Growth ETF
    Direct holding 3.44%
  • Top 10 total 54.46%

The look‑through view shows that most of the biggest exposures come from direct stock positions, not ETF overlap. Microsoft, Uber, and Mastercard are large mainly because of explicit holdings, not because they appear repeatedly in funds. There is some double‑counting — for example, Microsoft, Johnson & Johnson, Alphabet, and Fortinet appear both directly and inside ETFs, slightly increasing effective concentration. Because only the top‑10 holdings of each ETF are included, this overlap is likely understated, but the main story is clear: the portfolio’s risk is dominated by chosen single stocks, with ETFs adding breadth around the edges rather than driving core exposures.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 95%
Size
Exposure to smaller companies
Low
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Low
Data availability: 93%
Quality
Preference for financially healthy companies
High
Data availability: 93%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 63%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 96%

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.

On investment factors, the standout tilt is toward quality, which is high at 76%. Factor exposure describes how much the portfolio leans into traits like value, size, momentum, quality, low volatility, and yield — think of them as the underlying “flavors” behind returns. A strong quality tilt typically means profitable, stable businesses with stronger balance sheets, which often hold up better in downturns but may lag in speculative rallies. Size exposure is low at 21%, indicating a bias toward larger companies versus smaller ones. Momentum is also on the low side, suggesting the portfolio is not strongly aligned with recent winners. Other factors sit near neutral, so quality and larger‑company bias are the main drivers.

Risk contribution Info

  • Uber Technologies Inc
    Weight: 9.51%
    15.0%
  • Microsoft Corporation
    Weight: 9.37%
    8.9%
  • Shift4 Payments Inc
    Weight: 4.65%
    8.7%
  • SoFi Technologies Inc.
    Weight: 3.56%
    7.9%
  • Toast Inc
    Weight: 3.29%
    6.9%
  • Top 5 risk contribution 47.4%

Risk contribution looks at how much each holding adds to the portfolio’s overall ups and downs, which can be quite different from its weight. Uber, for example, is 9.5% of the portfolio but drives about 15% of total risk. Stocks like Shift4, SoFi, and Toast have risk/weight ratios above 2, meaning they punch well above their size in terms of volatility impact. In contrast, Microsoft’s risk share is roughly in line with its weight. Overall, the top three holdings contribute about a third of total risk. This highlights a classic pattern: a relatively small set of more volatile growth names largely dictates the portfolio’s day‑to‑day swings.

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 (efficient frontier) analysis shows the current portfolio has a Sharpe ratio of 0.47, with expected return of 13.92% and risk (volatility) of about 21%. The Sharpe ratio measures risk‑adjusted return — how much excess return you get per unit of risk, after accounting for a risk‑free rate. Within the same set of holdings, the optimal mix on the frontier has a much higher Sharpe of 1.54 at lower risk, and even the minimum‑variance mix has a Sharpe of 0.98. The current allocation sits clearly below the efficient frontier, roughly 16.7 percentage points off at its risk level, which means a different weighting of the same ingredients could historically have achieved a better balance between risk and return.

Dividends Info

  • Alcoa Corp 0.60%
  • Abbott Laboratories 2.80%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • First Trust NASDAQ Cybersecurity ETF 0.50%
  • Canadian Natural Resources Ltd 3.10%
  • Equinor ASA ADR 4.40%
  • First Trust Natural Gas ETF 2.30%
  • Alphabet Inc Class C 0.20%
  • Johnson & Johnson 2.20%
  • Levi Strauss & Co Class A 2.40%
  • Mastercard Inc 0.70%
  • Microsoft Corporation 0.90%
  • Nike Inc 2.80%
  • iShares MSCI Global Gold Miners ETF 1.20%
  • Renaissancere Holdings Ltd 0.40%
  • Schwab U.S. Small-Cap ETF 1.00%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • Schwab International Dividend Equity ETF 3.40%
  • Sega Sammy Holdings Inc ADR 6.50%
  • Turkcell Iletisim Hizmetleri AS 3.90%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 1.50%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.60%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Materials Select Sector SPDR® Fund 1.70%
  • Consumer Staples Select Sector SPDR® Fund 2.60%
  • Expand Energy Corporation 3.60%
  • Weighted yield (per year) 1.09%

The portfolio’s overall dividend yield is about 1.09%, which is modest compared with many income‑focused strategies. Yield is the annual cash paid out as dividends relative to the investment amount, and it can be a meaningful part of total return over time. Here, most of the heavyweights are growth‑oriented companies with low or no dividends, while dividend‑oriented ETFs and select stocks like Equinor, CNQ, and dividend funds contribute higher yields. This setup points to capital appreciation as the main return engine, with dividends providing a smaller, but steady, side stream. For comparison, broad equity indices often yield somewhat higher, though still not dramatically so in today’s environment.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • First Trust NASDAQ Cybersecurity ETF 0.59%
  • First Trust Natural Gas ETF 0.60%
  • iShares MSCI Global Gold Miners ETF 0.39%
  • Schwab U.S. Small-Cap ETF 0.04%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • Schwab International Dividend Equity ETF 0.14%
  • Vanguard Dividend Appreciation Index Fund ETF Shares 0.06%
  • Vanguard Mid-Cap Growth Index Fund ETF Shares 0.07%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Materials Select Sector SPDR® Fund 0.09%
  • Consumer Staples Select Sector SPDR® Fund 0.09%
  • Weighted costs total (per year) 0.04%

On costs, the ETF side of the portfolio is impressively efficient overall. Many funds — including the Schwab and Vanguard core ETFs — have very low Total Expense Ratios (TERs), often around 0.04–0.07%. TER is the annual fee charged by a fund, expressed as a percentage of assets, and it quietly chips away at returns each year. A few thematic or niche ETFs charge more (around 0.39–0.60%), which is normal for specialized products, but they carry smaller weights. The blended TotalTER of about 0.04% is extremely low by industry standards. This low fee drag is a clear structural strength and supports better long‑term compounding relative to higher‑cost alternatives.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

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