Highly concentrated aggressive growth portfolio with strong tech tilt and standout recent performance
Report created on May 31, 2024Risk profile
6/7
Diversification profile
2/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 43.20% -
RD Reddit, Inc.
RDDT - US75734B1008 12.45% -
GO Alphabet Inc Class A
GOOGL - US02079K3059 11.57% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 11.51% -
QQ Invesco NASDAQ 100 ETF
QQQM - US46138G6492 11.06% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.21%
The structure leans heavily into US growth stocks, with nearly all exposure coming from large-cap index ETFs plus two concentrated single stocks. One ETF tracks a broad US index, while two others focus more on fast-growing names, and a final ETF tilts toward smaller value companies. This creates a core-and-satellite setup where the broad ETF is the anchor and the other pieces amplify growth and risk. Having over a quarter of the portfolio in just two individual companies is a big swing. The main takeaway is that this setup favors high upside but can be very bumpy, so it fits only if sharp swings are emotionally and financially manageable.
Growth
Over the measured period, a hypothetical $1,000 grew to about $1,628, which is a compound annual growth rate (CAGR) of 27.29%. CAGR is like your average speed on a long drive, smoothing out all the stops and sprints. This handily beat both the US and global market benchmarks, which were in the low teens. The flip side is a max drawdown of -37.70%, meaning at one point the portfolio was down over a third from a prior peak. That’s far steeper than the benchmarks. The message: returns have been excellent, but they came with big drops that require strong discipline to ride out.
Asset classes
- Stocks 100%
All of the money sits in stocks, with no bonds, cash surrogates, or alternative assets. Pure equity allocations are typical for aggressive strategies aiming for maximum growth, particularly for long time horizons. The trade-off is that there’s nothing built in to cushion deep market selloffs. When stocks fall broadly, this kind of portfolio tends to go down with them, sometimes more than the overall market if it’s tilted to high-growth names. For someone who wants a smoother ride or has near-term cash needs, mixing in more defensive assets is usually how volatility and drawdowns are dialed back. Here, the choice is clearly skewed toward growth over stability.
Sectors
- Telecommunications 33%
- Technology 26%
- Consumer Discretionary 9%
- Financials 9%
- Industrials 6%
- Health Care 6%
- Consumer Staples 4%
- Energy 4%
- Basic Materials 2%
- Utilities 1%
- Real Estate 1%
Sector exposure is dominated by telecommunications and technology, together making up more than half of the portfolio. That’s a much stronger tilt than broad market norms, which are more evenly spread across areas like health care, industrials, and consumer-related businesses. Large weights in communications and tech often mean heavy exposure to digital platforms, software, and semiconductors, which tend to be very sensitive to interest rates, innovation cycles, and regulatory news. This concentration can supercharge returns in tech-friendly environments but can also lead to sharp selloffs when sentiment turns or policy pressures rise. A useful question is whether this sector tilt matches long-term conviction rather than just recent performance.
Regions
- North America 99%
Geographically, the exposure is almost entirely to North America, essentially a US-centric portfolio. This aligns reasonably well with many US investors’ comfort zones and with the dominance of US firms in global equity benchmarks, so the home bias is understandable. It also means returns are heavily tied to the US economy, its interest rate policy, and its corporate earnings cycle. When the US leads the world, this can be a tailwind; when other regions outperform, the portfolio may miss those gains. A more globally balanced approach can smooth out country-specific risks, but staying US-focused can be fine if that concentration is intentional and clearly understood.
Market capitalization
- Mega-cap 45%
- Large-cap 34%
- Mid-cap 11%
- Small-cap 6%
- Micro-cap 5%
Most of the exposure sits in mega- and large-cap companies, with a smaller but meaningful slice in mid, small, and even micro caps. Big companies often bring more stable cash flows, deeper liquidity, and stronger balance sheets, which can support resilience despite being growth-oriented. The dedicated small-cap value ETF introduces a different engine: smaller firms that may be cheaper and more cyclical, adding both diversification and extra volatility. This mix is generally healthy from a size perspective, as it avoids being purely mega-cap. The key is recognizing that the smaller and micro-cap slice can swing much more dramatically than the big names, especially in stressed markets or recessions.
True holdings
-
Part of fund(s):
- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
-
NV NVIDIA Corporation 5.43%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc 4.83%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 3.66%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 2.64%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 1.92%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.86%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 1.86%
Part of fund(s):- Invesco NASDAQ 100 ETF
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
-
TS Tesla Inc 1.69%
Part of fund(s):- Invesco NASDAQ 100 ETF
- LS 1x Tesla Tracker ETP Securities GBP
- Schwab U.S. Large-Cap Growth ETF
- Vanguard S&P 500 ETF
- Top 10 total 50.17%
Looking through the ETFs, there is a meaningful concentration in a handful of mega-cap tech and internet names. Alphabet is especially notable, with a total exposure near the mid-teens once you combine the direct holding and its presence in multiple ETFs. Other giants like NVIDIA, Apple, Microsoft, Amazon, Broadcom, Meta, and Tesla also show up repeatedly through the funds. This kind of hidden overlap is common when combining broad US and growth-focused funds. It boosts exposure to winners when they do well but also ties a lot of the portfolio’s fate to a relatively small club of large companies, so their bad periods can hit extra hard.
Factors
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.
Factor exposure shows a very high tilt to quality and a very low tilt to size. Factors are like traits that help explain why certain stocks behave the way they do, such as being cheap, stable, or fast-moving. A strong quality tilt usually means exposure to profitable companies with solid balance sheets and consistent earnings, which is generally a positive alignment and can help cushion downturns compared with low-quality names. Very low size exposure means the portfolio is mostly in larger companies relative to a diversified factor baseline. That often reduces some extreme small-cap risk but also limits pure small-cap growth spurts. Overall, it’s an aggressive growth style anchored in higher-quality large firms, which is a strong structural foundation.
Risk contribution
-
Reddit, Inc.
Weight: 12.45% 38.1% -
Vanguard S&P 500 ETF
Weight: 43.20% 26.8% -
Alphabet Inc Class A
Weight: 11.57% 10.1% -
Schwab U.S. Large-Cap Growth ETF
Weight: 11.51% 9.4% -
Invesco NASDAQ 100 ETF
Weight: 11.06% 9.0% - Top 5 risk contribution 93.3%
Risk contribution shows how much each holding adds to overall volatility, which can differ a lot from simple weight. Here, Reddit represents about 12% of the portfolio but contributes roughly 38% of the total risk, over three times its weight. That’s a classic sign of a high-volatility position dominating the “noise” of the portfolio, like one very loud instrument in a band. By contrast, the broad S&P 500 ETF is over 40% of the weight but contributes less than 30% of the risk. Shrinking oversized risk contributors or pairing them with more stabilizing assets is one common way to align real-world risk with the intended level of boldness.
Redundant positions
-
High correlationVanguard S&P 500 ETFInvesco NASDAQ 100 ETFSchwab U.S. Large-Cap Growth ETF
Correlation measures how closely different assets move together, where 1.0 means they essentially move in lockstep. The three big ETFs here — tracking a broad US index, large-cap growth, and the NASDAQ-focused names — all show very high correlations, around 0.96 to 0.99 with each other. That means, day to day and in big swings, they behave very similarly. Owning multiple highly correlated funds isn’t “wrong,” but it does limit diversification benefits, especially during market stress when you’d ideally have pieces zigging while others zag. Consolidating overlapping exposures or intentionally adding less correlated segments can improve diversification without necessarily changing the overall growth profile.
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 vs. return chart, the current portfolio sits below the efficient frontier, with a Sharpe ratio of 1.11 versus 1.42 for the optimal mix using the same ingredients. The Sharpe ratio measures return per unit of risk, like how many miles you get per gallon of gas. Being a few percentage points below the frontier at the current risk level means that simply reweighting existing holdings — without adding anything new — could improve the risk/return tradeoff. There’s also a lower-risk, lower-return minimum variance mix for a smoother ride. The positive news is that the frontier itself looks attractive, so tuning weights is mainly about squeezing more efficiency out of an already strong growth toolkit.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.40%
- Alphabet Inc Class A 0.30%
- Invesco NASDAQ 100 ETF 0.50%
- Schwab U.S. Large-Cap Growth ETF 0.30%
- Vanguard S&P 500 ETF 1.20%
- Weighted yield (per year) 0.79%
The overall dividend yield for the portfolio is under 1%, which is low compared to more income-oriented approaches but quite normal for a growth-focused equity mix. Yield here comes mostly from the broad market ETF and the small-cap value ETF, while the main growth exposures and individual stocks contribute little income. For someone aiming to maximize long-term growth, low yield isn’t a problem: companies often reinvest earnings rather than paying them out, potentially fueling price appreciation. For investors who rely on portfolio cash flow to cover spending, though, this setup would require either periodic selling of shares or the addition of higher-yield assets to support steady withdrawals.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- Invesco NASDAQ 100 ETF 0.15%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- Vanguard S&P 500 ETF 0.03%
- Weighted costs total (per year) 0.06%
Costs are impressively low, with a blended total expense ratio (TER) around 0.06%. TER is like a management fee charged annually by funds, quietly shaving off a small slice of returns each year. Keeping this number low is one of the most reliable ways to improve long-term outcomes, because fees compound against you just like returns compound for you. Here, the broad market and large-cap growth ETFs are especially cost-efficient, and even the small-cap value and NASDAQ funds are reasonably priced. This cost structure is a major strength: it means more of the portfolio’s performance, good or bad, flows directly to you rather than to fund managers.
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