Single fund US growth portfolio with strong tech tilt and very low costs
Report created on May 13, 2026Risk profile
5/7
Diversification profile
2/5
Positions
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VO Vanguard S&P 500 ETF
VOO - US9229083632 100.00%
This portfolio is extremely simple: 100% is invested in a single ETF tracking the S&P 500 index. That means every dollar is in a broad basket of large US companies, with no bonds, cash, or other asset types. A structure like this is easy to understand and maintain because there are no moving parts or rebalancing across funds. The trade-off is that all risk and return come from one market and one asset class. Simplicity can be powerful, but it also means any weaknesses in that single exposure flow straight through to the whole portfolio.
Growth
From 2016-05-16 to 2026-05-12, a $1,000 investment in this portfolio grew to about $4,231. That works out to a Compound Annual Growth Rate (CAGR) of 15.57%, which is slightly ahead of the broader US market benchmark and clearly ahead of the global market benchmark over the same period. The portfolio’s worst drop, or max drawdown, was about -34% during early 2020, similar to the benchmarks. Just 37 days made up 90% of total returns, which shows how a handful of strong days can drive long-run results. Past performance, though, doesn’t guarantee future outcomes.
Projection
The Monte Carlo projection uses past return and volatility patterns to create 1,000 random “what if” paths for the next 15 years. It’s like running many alternate futures where markets behave differently each time, then looking at the distribution of outcomes. Here, the median result turns $1,000 into about $2,746, with a wide range from roughly $932 to $8,218 between the 5th and 95th percentiles. The average simulated annual return is 8.24%. These numbers are not forecasts or promises; they’re statistical sketches based on history, and real markets can land outside these ranges.
Asset classes
- Stocks 100%
All of this portfolio sits in one asset class: stocks. There are no bonds, cash, or alternative assets in the mix. Being 100% in equities tends to mean higher potential growth over long periods, but also larger swings along the way, including deeper and faster drawdowns. Many broad benchmarks that represent the whole “investable universe” include a mix of stocks and bonds, so this portfolio is more growth-tilted and less buffered. The diversification score of 2/5 reflects that everything depends on stock markets doing well, without other asset classes to soften equity-driven volatility.
Sectors
- Technology 34%
- Financials 12%
- Telecommunications 10%
- Consumer Discretionary 10%
- Health Care 9%
- Industrials 8%
- Consumer Staples 5%
- Energy 4%
- Utilities 3%
- Real Estate 2%
- Basic Materials 2%
Sector-wise, the portfolio is clearly tilted toward technology, which makes up about 34% of the exposure. Financials, telecommunications, and consumer discretionary each take meaningful but smaller slices, while health care, industrials, and other sectors fill in the rest. This pattern closely mirrors today’s S&P 500 structure, which itself is tech-heavy compared with older decades. A tech-leaning mix can benefit when innovation and growth companies lead, but it may feel more volatile when interest rates rise or when growth stocks fall out of favor. Overall, the sector spread still spans most parts of the economy.
Regions
- North America 99%
Geographically, around 99% of the portfolio sits in North America, essentially all in the US. That’s a tight geographic focus compared with global benchmarks like MSCI ACWI, where the US is a big piece but not nearly this dominant. A strong US tilt has been rewarded over the last decade as US stocks outperformed many other regions. The flip side is that economic, political, or currency shocks tied to the US can have an outsized impact here. Non-US companies and currencies hardly show up, so geographic diversification is limited even though the holdings themselves are numerous.
Market capitalization
- Mega-cap 46%
- Large-cap 35%
- Mid-cap 18%
- Small-cap 1%
By market capitalization, this portfolio focuses heavily on the largest companies: about 46% in mega-caps and 35% in large-caps, with smaller slices in mid-caps and just 1% in small-caps. That’s typical for an index like the S&P 500, which weights companies by their market value. Bigger firms often have more stable business models and easier access to financing, which can reduce company-specific risk compared with tiny firms. At the same time, the smallest and most nimble companies, which sometimes deliver more dramatic growth or volatility, play only a minor role in overall returns.
True holdings
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NV NVIDIA Corporation 7.58%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 6.66%
Part of fund(s):- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 4.92%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 3.64%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 2.99%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.62%
Part of fund(s):- Vanguard S&P 500 ETF
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GO Alphabet Inc Class C 2.40%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 2.24%
Part of fund(s):- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.87%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- Vanguard S&P 500 ETF
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BR Berkshire Hathaway Inc 1.57%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 36.49%
Looking through the ETF’s top holdings, a lot of the exposure clusters in a small group of mega-cap names. NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Broadcom, Meta, Tesla, and Berkshire Hathaway together represent a significant slice of the portfolio. Because these companies appear once via the single ETF, there is no duplication across funds, but there is still concentration at the company level. If these leaders do especially well or poorly, they can move the entire portfolio noticeably. The coverage stats remind us that this view is partial, as it only captures the ETF’s top 10.
Factors
Factor exposures here are broadly neutral across the board: value, momentum, quality, yield, and low volatility all sit near the 50% “market-like” mark, with size showing only a mild tilt away from smaller companies. Factor investing looks at traits like cheap vs. expensive, stable vs. volatile, or large vs. small that research links to long-term returns. In this case, the portfolio behaves very much like a standard broad market exposure, without a strong bet on any single factor. That balanced profile means its ups and downs are mainly about the overall equity market, not specialized style tilts.
Risk contribution
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Vanguard S&P 500 ETF
Weight: 100.00% 100.0%
Because the entire portfolio is in one ETF, that ETF contributes 100% of the total risk. Risk contribution measures how much each holding drives overall volatility, which can differ from its weight when there are many positions, but here weight and risk line up one-for-one. There is no internal diversification across multiple funds or asset types that could offset each other. The main diversification benefit instead comes from the hundreds of underlying companies inside the index. So the key driver of portfolio-level risk is simply how volatile the S&P 500 itself is over time.
Dividends
- Vanguard S&P 500 ETF 1.10%
- Weighted yield (per year) 1.10%
The portfolio’s dividend yield sits around 1.10%, which is typical for a broad US large-cap index in a growth-tilted market. Dividends are the cash payouts companies make to shareholders, and they can be an important piece of total return over long periods, especially when reinvested. In this case, most of the long-run return is likely to come from price changes rather than income. That’s consistent with a focus on big, growth-oriented US companies, many of which reinvest earnings into their businesses instead of paying out a large share as dividends.
Ongoing product costs
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.03%
Costs are a clear strength here. The ETF’s ongoing fee, or TER (Total Expense Ratio), is just 0.03% per year. That means $3 annually for every $10,000 invested, which is extremely low by industry standards. Fees may sound small, but they compound over time, quietly reducing what stays in your pocket. A low-cost structure like this is well-aligned with best practices for broad index investing, because it lets more of the market’s raw return flow through to the investor. Put simply, the portfolio’s cost drag on long-term performance is impressively minimal.
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