Growth focused portfolio with strong historical returns and concentrated bets in real assets and chips

Report created on Mar 29, 2026

Risk 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

The portfolio is clearly growth-oriented, with roughly 90% in broad equities and 10% in listed real estate. Within equities, most exposure sits in large diversified index funds, anchored by a substantial position in a major domestic index, complemented by a sizable slice of small-cap value and international stocks. On top of that, there are focused “satellite” positions in a leading semiconductor company, real estate, and niche themes like copper miners, silver, and uranium. This kind of core-and-satellite structure is common: broad, diversified funds form the backbone, while smaller, targeted positions express specific convictions. The key takeaway is that the overall mix leans towards growth and equity risk, with a modest but meaningful tilt toward real assets and specific industry themes.

Growth Info

From late 2019 to early 2026, a hypothetical $1,000 grew to about $2,935, implying a compound annual growth rate (CAGR) of 18.06%. CAGR is like your average speed over a long road trip, smoothing out bumps along the way. Over this period, that growth rate beat both the domestic market (about 14.07%) and the global market (about 11.68%), which is a strong outcome. The portfolio did experience a maximum drawdown of around -35.55%, a bit deeper than the benchmarks’ roughly -33% declines. That means you were paid for taking somewhat higher downside swings. As always, past performance is no guarantee of future results, especially over a relatively short, unusually strong market window.

Asset classes Info

  • Stocks
    90%
  • Real Estate
    10%

Asset-class-wise, this is almost entirely growth assets: about 90% stocks and 10% real estate via REITs. That’s in line with a classic “growth investor” profile, where capital appreciation matters more than capital preservation or steady income. Compared to more conservative mixes that might hold bonds or cash, this setup can experience sharper ups and downs but has historically offered higher long-run growth potential. The dedicated real estate sleeve adds diversification versus plain equities and can respond differently to inflation and interest rates. Overall, this allocation is well-balanced for someone with a long time horizon and tolerance for equity-type volatility, but it would likely feel bumpy in deep market downturns.

Sectors Info

  • Technology
    27%
  • Financials
    15%
  • Real Estate
    11%
  • Industrials
    9%
  • Consumer Discretionary
    8%
  • Energy
    7%
  • Basic Materials
    6%
  • Health Care
    6%
  • Telecommunications
    5%
  • Consumer Staples
    4%
  • Utilities
    2%

This breakdown covers the equity portion of your portfolio only.

Sector exposure is nicely spread, but there is a clear lean toward technology, which sits at about 27% of the equity allocation. Financials, real estate, industrials, consumer, energy, materials, health care, telecom, staples, and utilities all show meaningful representation, which aligns fairly well with broad-market patterns. That broad spread is a strong indicator of healthy sector diversification. The somewhat elevated technology and related areas can boost growth when innovation and earnings momentum are strong, but they often feel more sensitive to interest-rate swings and sentiment shifts. A key takeaway is that the sector mix is generally well-balanced and benchmark-like, with a deliberate tilt toward growth-oriented, innovation-heavy businesses.

Regions Info

  • North America
    72%
  • Asia Emerging
    13%
  • Europe Developed
    6%
  • Japan
    3%
  • Asia Developed
    3%
  • Australasia
    1%
  • Africa/Middle East
    1%
  • Latin America
    1%

This breakdown covers the equity portion of your portfolio only.

Geographically, the portfolio leans heavily toward North America at about 72%, with the rest spread across emerging Asia, Europe, Japan, and other regions. This is common for investors in the U.S. and has actually helped in recent years, as domestic markets have outperformed many international peers. International exposure of roughly 28% is still significant, and it provides useful diversification if leadership rotates away from the U.S. in the future. Relative to a fully global market-cap allocation, which is somewhat less U.S.-centric, this mix modestly overweights the home market. That can be comfortable and tax-efficient, but it also means outcomes are highly tied to one economic and policy regime.

Market capitalization Info

  • Mega-cap
    37%
  • Large-cap
    27%
  • Mid-cap
    16%
  • Small-cap
    12%
  • Micro-cap
    8%

This breakdown covers the equity portion of your portfolio only.

Market-cap exposure is nicely tiered: strong representation in mega- and large-caps, but also meaningful allocations down the size spectrum, including mid-, small-, and even micro-caps. This is where the dedicated small-cap value fund and niche thematic funds show up. Smaller companies tend to be more volatile and sensitive to economic cycles, but they can offer higher long-term growth potential and different return drivers than mega-caps. Having all size buckets represented helps avoid overreliance on any single group and is a solid diversification practice. The current blend strikes a healthy balance between stability from large firms and upside potential from smaller, less-followed businesses.

True holdings Info

  • Taiwan Semiconductor Manufacturing
    10.36%
  • Sprott Physical Silver
    3.32%
  • NVIDIA Corporation
    2.92%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Apple Inc
    2.65%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    1.98%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    1.38%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.23%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.02%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Welltower Inc
    0.99%
    Part of fund(s):
    • Schwab U.S. REIT ETF
  • Alphabet Inc Class C
    0.98%
    Part of fund(s):
    • Vanguard S&P 500 ETF
  • Top 10 total 26.82%

Looking through the ETFs, a chunk of exposure clusters in familiar mega-cap names like NVIDIA, Apple, Microsoft, Amazon, Alphabet, and Broadcom. These appear only via ETFs, but they still create effective concentration in the largest technology-related businesses. On top of that, there is a direct, double-digit position in Taiwan Semiconductor, which further amplifies exposure to the broader chip ecosystem. Note that only ETF top-10 positions are captured here, so overlap is probably understated. The main implication is that while the portfolio feels diversified on the surface, a large part of its growth engine is driven by a relatively small group of leading tech and semiconductor firms.

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: 97%
Low Volatility
Preference for stable, lower-risk stocks
Neutral
Data availability: 100%

Factor exposure across value, size, momentum, quality, low volatility, and yield sits close to neutral, meaning it broadly resembles the overall market’s underlying characteristics. Factor investing targets specific drivers of return—think of factors as “ingredients” like cheapness (value) or recent winners (momentum) that explain how investments behave. In this case, there are no extreme tilts toward or away from any one factor; even the small-cap value sleeve doesn’t dominate the overall profile. That balance is helpful because the portfolio is less dependent on any single style being in favor. It’s structurally robust: when one factor goes through a rough patch, others may offset it, supporting smoother long-term results.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 39.84%
    36.7%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 14.94%
    17.7%
  • Taiwan Semiconductor Manufacturing
    Weight: 10.36%
    13.6%
  • Vanguard Total International Stock Index Fund ETF Shares
    Weight: 14.94%
    12.4%
  • Schwab U.S. REIT ETF
    Weight: 9.96%
    8.8%
  • Top 5 risk contribution 89.2%

Risk contribution shows how much each holding adds to overall ups and downs, which can differ from its simple weight. Here, the three biggest positions—domestic large-cap index, small-cap value ETF, and Taiwan Semiconductor—together drive about 68% of the portfolio’s risk, despite a combined weight closer to two-thirds. Taiwan Semiconductor, in particular, has a higher risk-to-weight ratio: roughly 10% of assets but almost 14% of total risk, reflecting its stock-specific volatility and sector concentration. This isn’t inherently bad; it just means outcomes are heavily influenced by a few key elements. Adjusting position sizes or blending in more diversifying holdings can bring risk contributions closer to intended levels.

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 portfolio delivers an expected return of about 17.8% with volatility around 21%, resulting in a Sharpe ratio of 0.75. The Sharpe ratio measures return per unit of risk, like how much “speed” you get for each bump in the road. The efficient frontier represents the best possible combinations of return and risk using the existing holdings in different proportions. Here, the current mix sits about 4.6 percentage points below that frontier at its risk level, meaning the same holdings could be reweighted to target a better risk/return balance. Importantly, that improvement doesn’t require new products—only adjusting the relative sizes of what’s already in the lineup.

Dividends Info

  • Avantis® U.S. Small Cap Value ETF 1.40%
  • Global X Copper Miners ETF 2.70%
  • Schwab U.S. REIT ETF 2.50%
  • Taiwan Semiconductor Manufacturing 0.70%
  • Global X Uranium ETF 4.50%
  • Vanguard S&P 500 ETF 0.90%
  • Vanguard Total International Stock Index Fund ETF Shares 3.00%
  • Weighted yield (per year) 1.58%

The overall dividend yield of about 1.58% is modest, reflecting a growth-leaning equity mix and a tilt toward sectors where companies often reinvest earnings rather than pay high dividends. REITs, certain international stocks, and uranium exposure push income up a bit, while technology and selected growth names keep it lower. For investors focused primarily on long-term capital growth rather than immediate cash flow, this is entirely consistent. Dividends still matter, though: even a lower yield can provide a steady contribution to total return, especially when reinvested. Over decades, that compounding can be meaningful, even if income is not the portfolio’s main objective.

Ongoing product costs Info

  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Global X Copper Miners ETF 0.65%
  • Schwab U.S. REIT ETF 0.07%
  • Global X Uranium ETF 0.69%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.11%

The blended total expense ratio (TER) of about 0.11% is impressively low, especially for a portfolio that mixes broad index funds with more specialized ETFs. TER is like an annual service fee expressed as a percentage of assets; every dollar not spent on fees stays invested for future growth. The core positions—domestic and international index funds and the REIT ETF—are particularly cost-efficient, aligning with best practices championed by many long-term investors. The thematic funds do carry higher TERs, which is normal, but their small weights keep overall costs down. This fee structure strongly supports long-run performance, and you’re firmly on the right track from a cost-efficiency standpoint.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey