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Growth focused US tilted equity portfolio with strong historical results and moderate diversification

Report created on Jun 29, 2026

Risk profile Info

4/7
Balanced
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is a 100% stock mix built entirely from broad equity ETFs, with six funds and no bonds or cash. The largest slice is a core US large-cap index fund, backed up by dedicated positions in US dividends, US momentum, US small-cap value, international stocks, and the Nasdaq 100. So it combines a broad “market core” with several more focused satellites. This kind of structure matters because the core usually drives overall behavior, while satellites add specific traits like higher growth or more income. Here, the satellites lean toward growth and factor-tilted US exposure, with only a single global ex-US fund providing overseas diversification, which keeps the profile growthy and US-centric.

Growth Info

From late 2020 to mid‑2026, a hypothetical $1,000 in this portfolio grew to about $2,378, a compound annual growth rate (CAGR) of 16.47%. CAGR is the “average yearly speed” of growth over the whole period. This beat both the US market (15.47%) and the global market (13.54%) over the same window. The max drawdown was about -23.3%, slightly smaller than both benchmarks, showing that the worst peak‑to‑trough drop was not unusually harsh. It took around 15 months to recover, which is typical for a stock‑only mix. Only 30 days made up 90% of returns, underlining how a handful of strong days drove much of the long‑term result.

Projection Info

The Monte Carlo projection uses the portfolio’s historical risk and return patterns to simulate 1,000 different 15‑year future paths. Think of it as rolling the dice many times using past volatility as a guide, not a prediction. The median outcome turns $1,000 into about $2,780, with a wide “middle band” from roughly $1,799 to $4,199. The very broad 5th–95th percentile range runs from about $897 to $7,966, showing that outcomes vary a lot when markets swing. The average annualized return across simulations is 8.17%, and about 74% of paths end positive. These are scenarios, not promises, and they rely on history roughly repeating.

Asset classes Info

  • Stocks
    100%

All assets here are equities, so the portfolio sits entirely at the growth end of the spectrum with no built‑in stabilizer like bonds or cash. This concentration in one asset class can amplify both gains and losses compared with a multi‑asset mix. Equities generally offer higher long‑term return potential but can experience sharp short‑term drops, as seen in the historical drawdown. Relative to a typical “balanced” benchmark that mixes stocks and bonds, this is more of an all‑equity approach. The trade‑off is straightforward: strong participation in stock market upside, but also full exposure to equity bear markets without a cushion from fixed income.

Sectors Info

  • Technology
    33%
  • Financials
    12%
  • Industrials
    10%
  • Consumer Discretionary
    9%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    7%
  • Energy
    6%
  • Basic Materials
    3%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is tilted toward technology at 33%, followed by financials, industrials, and a spread across consumer, health care, telecom, energy, and other areas. This is more tech‑heavy than many broad global benchmarks, which helps explain strong past performance during a period when technology leadership was very strong. A high tech share often means more sensitivity to interest rates, innovation cycles, and sentiment around growth stocks. At the same time, the portfolio does hold meaningful slices of more defensive sectors like consumer staples and utilities, plus cyclicals like energy and industrials, so it isn’t a single‑theme portfolio even if tech is clearly in the driver’s seat.

Regions Info

  • North America
    86%
  • Europe Developed
    6%
  • Asia Developed
    2%
  • Japan
    2%
  • Asia Emerging
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, the portfolio is heavily tilted toward North America at 86%, with relatively small allocations to Europe, Japan, developed Asia, and emerging markets. Many global benchmarks are more evenly spread, with non‑US markets representing a much larger share of world equity value. A strong US tilt has worked very well over the last decade, and that’s visible in the portfolio’s outperformance versus the global market. The flip side is that economic, regulatory, and currency risk are concentrated in one region. Limited exposure to other regions means the portfolio benefits less if non‑US markets lead for an extended period, and diversification across different economic cycles is somewhat constrained.

Market capitalization Info

  • Large-cap
    39%
  • Mega-cap
    34%
  • Mid-cap
    15%
  • Small-cap
    6%
  • Micro-cap
    5%

By market capitalization, the portfolio leans heavily toward mega‑ and large‑cap stocks, which together make up around 73%. Mid‑caps sit in the middle, while small‑ and micro‑caps together account for about 11%. Large and mega companies often provide more stability and liquidity, which can dampen some volatility compared with an all small‑cap mix. The dedicated small‑cap value ETF ensures there is still exposure to smaller companies, which historically can behave differently from giants and sometimes deliver bursts of stronger growth. Overall, the cap structure looks close to a market‑like profile with a modest tilt toward the biggest names, which usually anchors returns to broad index behavior.

True holdings Info

  • NVIDIA Corporation
    4.80%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Apple Inc.
    3.18%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Micron Technology Inc
    2.74%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    2.42%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    2.27%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    2.21%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    1.85%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.81%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
    • Vanguard S&P 500 ETF
  • Tesla Inc
    0.99%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
  • Advanced Micro Devices Inc
    0.95%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco S&P 500® Momentum ETF
  • Top 10 total 23.21%

The look‑through data, though limited to ETF top‑10 holdings, shows notable concentration in a handful of large US tech and growth names. NVIDIA, Apple, Microsoft, Alphabet, Amazon, Tesla, and several chipmakers appear as overlapping positions across multiple ETFs. NVIDIA alone totals about 4.8% of the portfolio within the covered slice, with Apple at 3.18% and others in the 1–3% range. Because overlap is only measured on disclosed top‑10 lists, the true duplication is probably somewhat higher. This kind of overlap can quietly boost exposure to a few high‑profile companies, increasing both the upside if they keep leading and the downside risk if sentiment turns against them.

Factors Info

Value
Preference for undervalued stocks
Neutral
Data availability: 100%
Size
Exposure to smaller companies
Neutral
Data availability: 100%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
Neutral
Data availability: 100%
Yield
Preference for dividend-paying stocks
Neutral
Data availability: 100%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposures across value, size, momentum, quality, yield, and low volatility all sit in the neutral band around 50%. Factor exposure is like checking which “traits” the portfolio leans into, such as cheapness (value) or trend following (momentum). Here, there is no strong tilt toward or away from any single factor; the mix is broadly market‑like despite holding some explicit factor ETFs like small‑cap value and momentum. This balance suggests that, overall, the portfolio should behave similarly to a diversified equity index across different environments, rather than strongly favoring one style that may shine in some cycles but lag in others.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 35.00%
    35.3%
  • Invesco S&P 500® Momentum ETF
    Weight: 15.00%
    16.3%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 15.00%
    12.9%
  • Invesco NASDAQ 100 ETF
    Weight: 10.00%
    12.5%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 10.00%
    11.8%
  • Top 5 risk contribution 88.9%

Risk contribution measures how much each holding drives the portfolio’s overall ups and downs, which can differ from its simple weight. The core S&P 500 ETF is 35% of the portfolio and contributes about 35.3% of risk, so it behaves very much in line with its size. The momentum ETF and small‑cap value fund punch slightly above their weights, while the Nasdaq 100 ETF has the biggest gap: 10% weight but around 12.5% of risk. The top three positions together account for about 64.5% of total risk. This pattern is typical of a “core plus satellites” structure, where the core dominates but concentrated growth tilts add extra volatility.

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 efficient frontier chart shows how the current mix compares to the best possible combinations of these same ETFs. The Sharpe ratio, which measures return per unit of risk above a risk‑free rate, is 0.78 for the current portfolio. The optimal mix of the same holdings reaches a Sharpe of 1.1, while the minimum‑risk mix has 0.88 with lower volatility. The current portfolio sits about 2.1 percentage points below the frontier at its risk level, meaning it isn’t using the available combination of holdings in the most risk‑efficient way. In plain terms, historical data suggests that reweighting these existing ETFs could have delivered either higher return for the same risk or similar return with less risk.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.20%
  • Invesco NASDAQ 100 ETF 0.40%
  • Schwab U.S. Dividend Equity ETF 3.30%
  • Invesco S&P 500® Momentum ETF 0.70%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total International Stock Index Fund ETF Shares 2.60%
  • Weighted yield (per year) 1.54%

The overall dividend yield for the portfolio is about 1.54%, which is modest and in line with a growth‑oriented equity mix. Yield is the annual income from dividends as a percentage of the portfolio value. The dedicated US dividend ETF stands out with a 3.3% yield, while the international fund is also relatively income‑friendly at 2.6%. In contrast, the Nasdaq 100 and momentum funds have low yields, reflecting their focus on growth companies that often reinvest profits rather than pay large dividends. This structure means that most of the portfolio’s long‑term return is likely to come from price changes rather than from cash income.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Dividend Equity ETF 0.06%
  • Invesco S&P 500® Momentum ETF 0.13%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.09%

The weighted average ongoing fee (TER) for this portfolio is very low at around 0.09% per year. TER is the annual fund cost as a percentage of assets, similar to a maintenance fee. The largest holding, the S&P 500 ETF, is especially cheap at 0.03%, and even the more specialized funds stay in a moderate range, with the highest at 0.25%. Costs at this level are impressively low and compare favorably with many actively managed funds and even some other ETF mixes. Keeping fees down helps more of the portfolio’s gross return stay in the investor’s pocket, which can compound into a meaningful advantage over long periods.

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