Growth focused stock portfolio with strong US tilt and balanced exposure across company sizes
Report created on Jul 1, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VT Vanguard Total Stock Market Index Fund ETF Shares
VTI - US9229087690 50.00% -
QQ Invesco QQQ Trust
QQQ - US46090E1038 25.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 12.50% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 12.50%
This portfolio is a four‑fund, 100% stock mix with a clear growth tilt. About half sits in a broad US total market fund, giving exposure across thousands of companies. A quarter is in a large‑cap growth ETF, which amplifies exposure to fast‑growing names. A dedicated small‑cap value ETF adds a more contrarian slice of smaller, cheaper companies, while an international fund rounds out non‑US exposure. Structurally, this is a simple but focused equity portfolio: only four positions, all passive or rules‑based. That simplicity makes it easy to follow and understand, but it also means any built‑in biases from these broad funds flow directly into the overall behavior.
Growth
From late 2019 to mid‑2026, $1,000 grew to about $2,902, a compound annual growth rate (CAGR) of 17.16%. CAGR is like average speed on a road trip, showing the steady‑equivalent yearly growth despite bumps along the way. This beat both the US market and global market benchmarks over the same period by 1.11 and 3.48 percentage points per year. The worst drop, or max drawdown, was about ‑34% during early 2020, very similar to the benchmarks. That pattern suggests the portfolio participated fully in big market swings while adding some extra return, especially versus global equities.
Projection
The Monte Carlo projection uses 1,000 simulations based on historical volatility and returns to estimate a wide range of 15‑year outcomes. Think of it as running the market’s “movie” many times with slightly different paths each run. The median result grows $1,000 to around $2,799, with a broad middle band from about $1,843 to $4,227. The annualized return across simulations is 8.17%, noticeably lower than recent historical performance, reminding that strong past years are not guaranteed to repeat. The wide possible range, from roughly breaking even to several multiples of the original amount, highlights that an all‑equity, growth‑oriented portfolio can experience very different paths even if the long‑term average is positive.
Asset classes
- Stocks 100%
All holdings are in stocks, with 0% in bonds, cash, or alternatives. Asset classes are simply categories like stocks, bonds, or real estate, each with its own typical risk and return pattern. Being 100% in stocks usually means higher expected long‑term growth but also larger short‑term ups and downs, since there is no stabilizing bond or cash component. Compared with many broad multi‑asset benchmarks, this is a more aggressive stance, but within the equity slice itself, the portfolio is well diversified across thousands of companies. The key implication is that overall portfolio risk comes almost entirely from equity markets, so stock market cycles will strongly drive the experience.
Sectors
- Technology 35%
- Financials 12%
- Consumer Discretionary 11%
- Telecommunications 10%
- Industrials 9%
- Health Care 7%
- Consumer Staples 5%
- Energy 5%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure leans heavily toward technology at 35%, with financials, consumer discretionary, and telecommunications making up much of the rest. Sector weights show which parts of the economy the portfolio is most tied to. A tech‑heavy profile often benefits during periods of innovation, digital adoption, and lower interest rates, but can be more sensitive when growth expectations or rates shift suddenly. The presence of industrials, health care, consumer staples, energy, and smaller slices of materials, utilities, and real estate adds balance and aligns reasonably well with major US benchmarks. This sector mix indicates meaningful diversification, but with a noticeable emphasis on growth‑oriented, tech‑influenced areas compared with a perfectly even sector split.
Regions
- North America 88%
- Europe Developed 5%
- Asia Developed 2%
- Japan 2%
- Asia Emerging 2%
- Latin America 1%
- Australasia 1%
Geographically, about 88% of the portfolio is in North America, with the rest spread modestly across developed Europe, Japan, other developed Asia, and emerging markets. Geography matters because companies are influenced by local economies, currencies, and regulations. Compared to global stock market weights, which give more space to non‑US markets, this is clearly US‑tilted. That US emphasis has been beneficial over the last decade, as US stocks outperformed many other regions. However, it also means results are closely tied to the US economy and dollar, with less offset from other regions if the US goes through a weaker spell while other markets do better.
Market capitalization
- Mega-cap 39%
- Large-cap 28%
- Mid-cap 14%
- Small-cap 10%
- Micro-cap 7%
The portfolio spans the full company‑size spectrum: 39% in mega‑caps, 28% in large‑caps, 14% in mid‑caps, 10% in small‑caps, and 7% in micro‑caps. Market capitalization is essentially company size on the stock market. Larger companies tend to be more stable and dominate index returns, while smaller ones are often more volatile but can offer higher growth or value opportunities. This blend is more size‑diversified than a pure large‑cap portfolio and aligns well with broad total‑market patterns. The dedicated small‑cap value slice intentionally boosts exposure to the smaller, cheaper end of the spectrum, which can behave differently from mega‑cap growth names and add another dimension of diversification within equities.
True holdings
-
NV NVIDIA Corporation 5.39%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
AA Apple Inc. 4.92%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
MS Microsoft Corporation 3.49%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
AM Amazon.com Inc 2.86%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class A 2.38%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
AV Broadcom Inc 2.20%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
MU Micron Technology Inc 2.02%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
GO Alphabet Inc Class C 1.99%
Part of fund(s):- Invesco QQQ Trust
- Vanguard Total Stock Market Index Fund ETF Shares
-
TS Tesla Inc 1.66%
Part of fund(s):- Invesco QQQ Trust
- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard Total Stock Market Index Fund ETF Shares
-
ME Meta Platforms Inc. 0.95%
Part of fund(s):- Vanguard Total Stock Market Index Fund ETF Shares
- Top 10 total 27.85%
Looking through the ETFs’ top holdings, a handful of giant US tech and growth names stand out: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Micron, Tesla, and Meta. These positions appear across multiple funds, creating overlap that boosts their combined weight, even though none is held directly. For example, NVIDIA alone adds up to about 5.4% of the portfolio, and Apple to about 4.9%, based only on top‑10 data. Because this analysis only covers ETF top‑10 lists, actual overlap is likely higher. This concentration in a small group of large growth companies helps explain the strong recent returns and the tech tilt, but it also means the portfolio’s fortunes are influenced heavily by how these few names perform.
Factors
Factor exposures are essentially market‑like across all six dimensions: value, size, momentum, quality, low volatility, and yield hover around the 50% mark. Factors are like underlying “personality traits” of stocks that academic research has linked to long‑term return patterns. A neutral reading close to 50% means the portfolio behaves broadly similar to the overall market rather than making big bets on any single trait, such as deep value or high momentum. The dedicated small‑cap value fund nudges the mix slightly, but the dominance of broad index and large‑cap growth exposures pulls everything back toward neutral. This balanced factor profile suggests the portfolio’s behavior is driven more by broad equity risk and its US/sector tilts than by strong factor bets.
Risk contribution
-
Vanguard Total Stock Market Index Fund ETF Shares
Weight: 50.00% 48.5% -
Invesco QQQ Trust
Weight: 25.00% 27.5% -
Avantis® U.S. Small Cap Value ETF
Weight: 12.50% 14.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 12.50% 10.0%
Risk contribution shows how much each holding drives overall volatility, which can differ from its simple weight. Here, the US total market ETF is half the portfolio and contributes about 48% of the risk, almost one‑for‑one. The large‑cap growth ETF, at 25% weight, contributes around 27.5% of risk, and the small‑cap value ETF, at 12.5% weight, contributes about 14%. The international fund actually contributes less risk (10%) than its 12.5% weight, likely because it is somewhat less correlated with the US‑focused positions. The top three holdings together account for 90% of total risk, highlighting that, while there are four funds, most of the portfolio’s ups and downs still come from the three US‑centric ETFs.
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‑return chart and efficient frontier analysis show the current portfolio is on or very close to the efficient frontier for its holdings. The Sharpe ratio, which measures return per unit of risk above a risk‑free rate, is 0.67 for the current mix. The maximum‑Sharpe combination of the same four funds reaches 0.92 with slightly higher risk and return, while the minimum‑variance mix has a Sharpe of 0.64 at lower risk. Because the current allocation already lies effectively on the frontier, the existing weights provide an efficient balance of risk and return given these specific ETFs. In other words, within this particular set of funds, the portfolio is using them in a way that’s statistically well‑balanced.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.30%
- Invesco QQQ Trust 0.30%
- Vanguard Total Stock Market Index Fund ETF Shares 1.10%
- Vanguard Total International Stock Index Fund ETF Shares 2.60%
- Weighted yield (per year) 1.11%
The overall dividend yield is about 1.11%, with the international fund offering the highest yield at 2.60%, followed by the total US market at 1.10%. The growth‑focused large‑cap ETF and the small‑cap value ETF contribute 0.30% and 1.30%, respectively. Dividend yield is the cash income paid out each year as a percentage of the portfolio’s value. In this case, income is modest, and most of the historical return has come from price appreciation rather than dividends. That’s consistent with a growth‑oriented, tech‑heavy equity mix. For investors comparing this to income‑focused strategies, it’s useful to note that the trade‑off here leans more toward potential capital growth than steady cash payouts.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco QQQ Trust 0.18%
- Vanguard Total Stock Market Index Fund ETF Shares 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.10%
The weighted average ongoing cost, or Total Expense Ratio (TER), is about 0.10%, driven by ultra‑low‑cost broad index funds at 0.03% and 0.05%, combined with slightly higher fees on the small‑cap value (0.25%) and large‑cap growth (0.18%) ETFs. TER is the annual percentage deducted by the fund manager to run the ETF. These costs are impressively low compared with many actively managed or niche products, and that keeps more of the portfolio’s gross return in the investor’s hands over time. In long‑term compounding, shaving a few tenths of a percent off annual fees can add up to a noticeable difference in ending wealth, so this cost profile is a real structural strength.
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