Growth focused US heavy equity portfolio with strong tech tilt and impressive historical performance
Report created on Mar 18, 2026Risk profile
5/7
Diversification profile
2/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 55.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 30.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 15.00%
This portfolio is a pure equity mix, holding three US-listed stock ETFs: a broad market fund at 55%, a large‑cap growth fund at 30%, and a semiconductor fund at 15%. That structure creates a growth‑oriented profile with a clear tilt toward innovative and higher‑beta companies, rather than a “balanced” stocks‑and‑bonds approach. A 100% stock allocation typically suits investors comfortable with big swings in value for higher long‑term growth potential. The main takeaway is that this setup is intentionally aggressive: it prioritizes capital appreciation over stability or income, and short‑term drawdowns should be expected and mentally budgeted for.
Growth
Historically, the portfolio has delivered a very strong CAGR of 20.26%, meaning the value grew over 20% per year on average, like a car averaging high speed over a long trip. At the same time, the max drawdown of -33.5% shows it has already gone through a one‑third peak‑to‑trough decline, which is significant but not unusual for a growth‑heavy equity mix. Only 42 days made up 90% of returns, underscoring how missing a handful of strong days can change long‑term outcomes. Past performance is no guarantee, but these numbers show a high‑reward, high‑risk profile versus typical broad‑market benchmarks.
Projection
The Monte Carlo analysis ran 1,000 simulations using historical behavior to project a range of future outcomes. Monte Carlo is like rolling the dice many times based on past patterns to see many possible future paths, not just one forecast. Here, the median outcome (50th percentile) shows a very high cumulative gain, with even the 5th percentile ending more than triple the starting value. The average annualized return across simulations is 24.68%. Still, this relies on history repeating and doesn’t account for structural shifts, so it shouldn’t be treated as a promise. The main use is to visualize how wide the range of potential results could be.
Asset classes
- Stocks 100%
All investable assets sit in stocks, with 0% in bonds, cash, or alternatives. That simplifies the picture but leaves no built‑in shock absorber if equities sell off sharply. In many broad benchmarks, bonds, cash, or other defensive assets usually play a role in smoothing returns and reducing drawdowns. This all‑equity setup is fully aligned with a growth profile, but it also means the portfolio’s volatility will closely follow equity markets. For someone who wants steadier account values, introducing even a modest allocation to more defensive assets could meaningfully change the ride, though it would typically lower long‑run return expectations a bit.
Sectors
- Technology 46%
- Telecommunications 11%
- Consumer Discretionary 10%
- Financials 9%
- Health Care 8%
- Industrials 7%
- Consumer Staples 3%
- Energy 2%
- Basic Materials 2%
- Real Estate 1%
- Utilities 1%
Sector‑wise, the portfolio is heavily tilted toward technology at 46%, with meaningful allocations to communication services (11%) and consumer cyclicals (10%). Financials, healthcare, and industrials each have single‑digit but notable slices, while defensive areas like consumer staples, utilities, and real estate are relatively small. Compared with common global or US benchmarks, this is clearly more tech‑ and growth‑centric. That can be powerful during periods of innovation, falling rates, or strong earnings growth in these areas, but it tends to be more sensitive when interest rates rise, valuations compress, or tech‑related sentiment cools. The concentration reinforces the high‑growth, higher‑volatility character.
Regions
- North America 97%
- Asia Developed 2%
- Europe Developed 1%
Geographically, about 97% of the portfolio is in North America, with only tiny allocations to developed Asia and Europe, and essentially nothing in emerging markets or Latin America. Many global benchmarks hold more non‑US exposure, so this is a deliberate US‑centric tilt. The upside is alignment with companies that have led global markets over the last decade and operate in a familiar economic and regulatory environment. The trade‑off is limited diversification against US‑specific risks like domestic policy changes, tax shifts, or prolonged underperformance of US markets. Adding more non‑US exposure is one potential way to spread economic and currency risk more broadly.
Market capitalization
- Mega-cap 49%
- Large-cap 30%
- Mid-cap 15%
- Small-cap 4%
- Micro-cap 1%
Market‑cap allocation is dominated by mega‑caps at 49% and big caps at 30%, with smaller chunks in mid caps (15%), small caps (4%), and micro caps (1%). This mirrors a market‑weighted style but nudges further toward the largest companies due to the growth and semiconductor tilts. Large companies often bring more stability and resilience, but heavy concentration there can reduce exposure to the sometimes faster‑growing smaller firms. On the other hand, small and micro caps tend to be more volatile and sensitive to economic cycles. This mix leans into the leadership of giant firms while allowing only a modest role for smaller, higher‑risk names.
True holdings
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NV NVIDIA Corporation 9.69%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc 6.14%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 4.71%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 3.65%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- VanEck Semiconductor ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 3.24%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.86%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 2.55%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.27%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 2.21%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
-
LL Eli Lilly and Company 1.64%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 38.96%
Looking through the ETFs, the portfolio has large effective stakes in a tight group of mega‑cap growth names: NVIDIA (~9.7%), Apple (~6.1%), Microsoft (~4.7%), Broadcom (~3.7%), Amazon (~3.2%), the two Alphabet share classes (~5.1% combined), Meta, Tesla, and Eli Lilly. Many of these appear across multiple ETFs, creating “hidden” concentration even though you technically only hold three funds. This overlap limits diversification because the same companies drive performance from several directions. The key point is that broad‑market plus growth plus a thematic ETF all pulling toward similar leaders amplifies both upside and downside tied to a relatively small cluster of stocks.
Factors
Factor exposure shows strong tilts to size (62.1%), momentum (54.9%), and low volatility (44%), with weaker value exposure (25%) and no usable data on quality or yield. Factors are like underlying “personality traits” of investments that research has linked to long‑term returns. A momentum tilt means the portfolio tends to own recent winners, which can shine in strong, trending markets but suffer when trends suddenly reverse. The size tilt likely reflects emphasis on larger, established companies, while low‑volatility exposure may help somewhat in market stress compared with a pure high‑beta basket. Limited value and yield tilts mean less focus on cheaper or income‑oriented stocks.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 55.00% 48.0% -
Schwab U.S. Large-Cap Growth ETF
Weight: 30.00% 30.8% -
VanEck Semiconductor ETF
Weight: 15.00% 21.3%
Risk contribution shows how much each holding adds to the portfolio’s overall ups and downs, which can differ from its simple weight. The broad market ETF is 55% of assets but contributes about 48% of risk, meaning it’s slightly less risky relative to size. The growth ETF is 30% of assets and about 31% of risk, very aligned with its weight. The semiconductor ETF is only 15% of the portfolio but adds over 21% of total risk, with a high risk‑to‑weight ratio of 1.42. That signals it’s a key driver of volatility. Adjusting that slice up or down would significantly change how bumpy the overall ride feels.
Redundant positions
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High correlationSchwab U.S. Large-Cap Growth ETFVanguard Total Stock Market Index Fund ETF Shares
Correlation measures how often investments move together, from -1 (opposite) to +1 (in lockstep). The broad US total‑market ETF and the US large‑cap growth ETF are highly correlated, meaning they tend to rise and fall at the same time and in similar directions. When assets are this tightly linked, they provide limited diversification during downturns; both can drop together instead of one cushioning the other. This alignment is not “bad” by itself, especially if the goal is targeted US growth exposure, but it does mean that owning both funds doesn’t spread risk as widely as holding assets that respond differently to market or economic shocks.
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 a risk‑versus‑return chart with an efficient frontier, portfolios on the curve deliver the highest expected return for each risk level using the current building blocks. Here, the note about optimization highlights that overlapping, highly correlated assets may not add much diversification. If the current mix sits below the efficient frontier, it means simply reweighting the three ETFs could potentially improve the Sharpe ratio (return per unit of risk) without adding anything new. If it’s already near the curve, then the allocation is quite efficient. In either case, focusing on how much is in broad market versus growth versus semiconductors is the key lever.
Dividends
- Schwab U.S. Large-Cap Growth ETF 0.40%
- VanEck Semiconductor ETF 0.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Weighted yield (per year) 0.77%
The portfolio’s overall dividend yield is about 0.77%, with the total‑market ETF providing the bulk of that at around 1.10%, and the growth and semiconductor funds yielding less than half a percent. For a growth‑focused investor, a lower yield can be perfectly fine if the emphasis is on price appreciation rather than income. Many high‑growth companies reinvest profits instead of paying out large dividends. The flip side is that this mix won’t generate much cash flow for spending or reinvestment on its own. Anyone wanting meaningful passive income would likely need either higher‑yielding assets or a strategy that periodically sells shares.
Ongoing product costs
- Schwab U.S. Large-Cap Growth ETF 0.04%
- VanEck Semiconductor ETF 0.35%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Weighted costs total (per year) 0.08%
Costs are impressively low, with an overall expense ratio around 0.08%. The broad market and Schwab growth ETFs both sit near rock‑bottom cost levels, and even the more specialized semiconductor ETF is reasonably priced for a thematic fund. Low fees matter because they are one of the few things investors can control, and every basis point saved stays in the portfolio compounding over time. This cost structure aligns very well with best practices and supports better long‑term outcomes compared with higher‑fee alternatives. From a cost perspective, the setup is already lean and efficient, leaving little pressure to adjust purely for fee reasons.
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