Concentrated us growth portfolio with strong technology tilt and efficient risk adjusted performance
Report created on Mar 28, 2026Risk profile
- Secure Speculative
The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.
Diversification profile
- Focused Diversified
The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.
Positions
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SP SPDR S&P 500 ETF Trust
SPY - US78462F1030 63.00% -
FT Fidelity® MSCI Information Technology Index ETF
FTEC - US3160928087 37.00%
The portfolio is very simple and very focused: two ETFs and 100% in stocks. Roughly two‑thirds sits in a broad US index fund, while a bit over one‑third is in a dedicated technology ETF. That structure creates a clear tilt toward growth‑oriented companies while still keeping a diversified core. Simplicity like this is powerful because it’s easy to understand, monitor, and maintain over time. The flip side is that such focus can amplify both gains and losses. Someone using a setup like this would usually want to be comfortable with stock‑market swings and okay with having most of their wealth tied to one country and one dominant sector.
Growth
Over the last decade, $1,000 grew to about $4,755, a compound annual growth rate (CAGR) of 16.92%. CAGR is the “average speed” of growth per year, smoothing out ups and downs. That’s meaningfully ahead of both the US market and the global market, showing the tech tilt has paid off historically. Max drawdown, the worst peak‑to‑bottom drop, was around -33%, similar to the benchmarks, so you got higher returns without much extra downside. This is a strong historical profile, but it’s crucial to remember that past performance doesn’t guarantee the future, especially when a lot of the outperformance has come from one very hot area of the market.
Asset classes
- Stocks 100%
All assets are in stocks, with no bonds, cash, or alternatives. That’s a pure growth stance: historically higher long‑term returns but larger short‑term swings. Compared with many blended portfolios that mix in bonds for stability, this structure leans firmly toward capital appreciation rather than capital preservation. This can work well for long horizons, where there’s time to ride out deep drawdowns. The lack of defensive assets also means that during market stress there’s little natural cushion; the ride can be bumpy. For someone seeking smoother returns, blending in other asset classes might be worth thinking about, but for aggressive growth, this 100% equity stance is consistent and intentional.
Sectors
- Technology 58%
- Financials 8%
- Telecommunications 7%
- Consumer Discretionary 6%
- Health Care 6%
- Industrials 6%
- Consumer Staples 3%
- Energy 2%
- Utilities 2%
- Real Estate 1%
- Basic Materials 1%
Sector exposure is dominated by technology at 58%, well above broad‑market norms, with the rest spread modestly across financials, telecom, consumer areas, health care, and industrials. This tech‑heavy stance has been a major driver of the strong historical performance, as leading tech and related companies have outpaced the wider market. The tradeoff is that this portfolio will likely be very sensitive to changes in interest rates, innovation cycles, and investor sentiment toward high‑growth businesses. When that theme is in favor, returns can be excellent; when it falls out of favor, drawdowns can be sharper than a more evenly balanced sector mix. The allocation clearly reflects a deliberate bet on innovation‑led growth.
Regions
- North America 99%
Geographically, exposure is almost entirely to North America, at roughly 99%. That makes the portfolio closely tied to the fortunes of a single region’s economy, currency, and policy environment. The good news is that many companies here are global operators, so some revenue still comes from abroad. However, compared with more globally diversified setups, this leaves less protection if the home market underperforms other regions for a stretch. Over the last decade, being US‑centric has been advantageous, which the returns reflect. Still, geographic concentration is worth keeping in mind, because leadership between regions tends to rotate over long cycles and is hard to predict in advance.
Market capitalization
- Mega-cap 48%
- Large-cap 31%
- Mid-cap 15%
- Small-cap 4%
- Micro-cap 1%
Most of the portfolio sits in mega‑cap and large‑cap companies, together close to 80%, with smaller slices in mid, small, and micro caps. Large, established firms tend to be more stable, widely followed, and liquid, which can reduce some of the risks seen in tiny or speculative names. At the same time, this tilts away from the very small companies that sometimes deliver outsized long‑term growth (and losses). The presence of mid and small caps adds some diversification and extra growth potential without dominating the picture. Overall, the size mix is fairly close to mainstream equity benchmarks, which is a solid foundation and a positive sign for broad market coverage.
True holdings
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NV NVIDIA Corporation 11.47%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- SPDR S&P 500 ETF Trust
-
AA Apple Inc 9.76%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- SPDR S&P 500 ETF Trust
-
MS Microsoft Corporation 6.96%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- SPDR S&P 500 ETF Trust
-
AV Broadcom Inc 3.35%
Part of fund(s):- Fidelity® MSCI Information Technology Index ETF
- SPDR S&P 500 ETF Trust
-
AM Amazon.com Inc 2.29%
Part of fund(s):- SPDR S&P 500 ETF Trust
-
GO Alphabet Inc Class A 1.96%
Part of fund(s):- SPDR S&P 500 ETF Trust
-
GO Alphabet Inc Class C 1.56%
Part of fund(s):- SPDR S&P 500 ETF Trust
-
ME Meta Platforms Inc. 1.47%
Part of fund(s):- SPDR S&P 500 ETF Trust
-
TS Tesla Inc 1.19%
Part of fund(s):- LS 1x Tesla Tracker ETP Securities GBP
- SPDR S&P 500 ETF Trust
-
BR Berkshire Hathaway Inc 0.98%
Part of fund(s):- SPDR S&P 500 ETF Trust
- Top 10 total 41.00%
Looking through the ETFs, a big chunk of risk and return ties to a handful of mega‑cap names. NVIDIA alone is over 11%, Apple almost 10%, Microsoft about 7%, then Broadcom, Amazon, Alphabet, Meta, Tesla, and Berkshire each around 1–3%. Many of these appear in both ETFs, so hidden overlap concentrates exposure even more. That means the portfolio will move a lot with the fortunes of these specific giants. When they do well, the total return can surge; when they correct, the portfolio can feel the impact sharply. Being aware of this “same names in multiple funds” effect is key when judging how diversified things truly are.
Factors
Factor exposure — the tilt toward characteristics like value, size, momentum, quality, low volatility, and yield — is mostly neutral here. Neutral means the portfolio behaves a lot like the overall market on these dimensions. The one standout is value, which shows a low score, indicating a mild lean away from cheaper stocks and toward more expensive, growth‑oriented names. That lines up with the strong tech and mega‑cap growth presence. In favorable growth environments, this can boost returns; in periods when cheaper, more cyclical companies lead, it can lag. The balanced readings in quality, momentum, low volatility, and yield suggest there’s no extreme bet on any single investing style beyond that growth tilt.
Risk contribution
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SPDR S&P 500 ETF Trust
Weight: 63.00% 55.6% -
Fidelity® MSCI Information Technology Index ETF
Weight: 37.00% 44.4%
Risk contribution measures how much each holding adds to total volatility, which can differ from its weight. Here, the S&P 500 ETF is 63% of the portfolio but contributes about 56% of risk, while the tech ETF is 37% of weight yet about 44% of risk. That higher risk‑per‑weight for the tech fund shows it’s the more volatile component, punching above its size in driving ups and downs. This is normal for a concentrated tech exposure. If the goal is to keep a growth tilt without excessive bumpiness, one lever is adjusting the relative sizes of these two ETFs periodically so that the risk balance matches the comfort level, not just the capital allocation.
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 the risk‑return chart, the current mix sits right on or very close to the efficient frontier. The efficient frontier is the curve showing the best expected return for each risk level using the existing holdings. The Sharpe ratio of about 0.77 is only slightly below the optimal 0.86 and in line with the minimum variance option, confirming the allocation is already quite efficient for a growth‑oriented stance. The “optimal” portfolio here would take on a bit more risk for more expected return, but that’s a preference question, not a flaw. Overall, this is a strong validation that the simple two‑ETF structure is working well in terms of risk‑adjusted performance.
Dividends
- Fidelity® MSCI Information Technology Index ETF 0.50%
- SPDR S&P 500 ETF Trust 0.90%
- Weighted yield (per year) 0.75%
The total dividend yield is around 0.75%, with the broad index ETF near 0.90% and the tech ETF around 0.50%. That’s modest income compared with more dividend‑focused approaches, but reasonable for a growth‑oriented, tech‑heavy mix. In this setup, dividends are a small part of total return; most of the heavy lifting historically has come from price appreciation. For investors who don’t need current cash flow and care more about compounding, that’s perfectly aligned. If at some point steady income becomes more important — for example, approaching or in retirement — shifting a portion toward higher‑yielding assets could help turn more of the portfolio’s return into regular cash payments.
Ongoing product costs
- Fidelity® MSCI Information Technology Index ETF 0.08%
- SPDR S&P 500 ETF Trust 0.10%
- Weighted costs total (per year) 0.09%
Costs are impressively low, with a blended total expense ratio around 0.09%. That’s well in line with, or better than, many broad index options and far cheaper than typical active funds. Lower fees mean more of the portfolio’s return stays in your pocket instead of going to providers, and over decades that small difference compounds significantly. The use of just two low‑cost ETFs is a clear strength and supports better long‑term outcomes. From a cost perspective, there’s little to improve; the main focus can stay on risk, diversification, and alignment with goals rather than worrying about fee drag.
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