Growth tilted equity portfolio with strong US focus and momentum plus semiconductor flavour
Report created on Apr 6, 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 Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 25.00% -
SC Schwab U.S. Large-Cap Growth ETF
SCHG - US8085243009 20.00% -
SC Schwab U.S. Small-Cap ETF
SCHA - US8085246077 15.00% -
SC Schwab U.S. Dividend Equity ETF
SCHD - US8085247976 15.00% -
SC Schwab International Equity ETF
SCHF - US8085248057 15.00% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 10.00%
The portfolio is a 100% stock mix across six ETFs, tilted toward growth and momentum with a satellite in semiconductors. The largest position is a US momentum ETF at 25%, followed by US large‑cap growth at 20%, then rounded out with small caps, dividends, international equities, and semis. This structure blends broad core exposure with more aggressive “return enhancers.” Being fully in equities means higher potential growth but also bigger swings in value, especially over shorter periods. A practical takeaway is that this design suits investors comfortable with volatility and who don’t need to draw on this money in the near term, because short‑term drops can be large and sudden even if long‑run returns look attractive.
Growth
Historically, $1,000 grew to about $5,050, which translates to a 20.16% compound annual growth rate (CAGR). CAGR is like average speed on a long road trip, smoothing out bumps along the way. This beats both the US market (16.26%) and global market (13.44%) by a wide margin. The worst drop, or max drawdown, was around -33%, similar to the benchmarks, during early 2020. That shows high upside has not come with unusually extreme downside. However, 90% of returns came from just 39 days, underscoring how missing a few strong days could hurt outcomes. Past performance can’t guarantee the future, but it does confirm this mix has historically been rewarded for taking risk.
Projection
The Monte Carlo simulation runs 1,000 alternate futures using past return and volatility patterns to estimate a range of outcomes. It’s like simulating many different “market weather” paths to see what might happen to $1,000 over 15 years. The median result is about $2,749, or a 7.8% annualized return across simulations, with a roughly 73% chance of ending positive. The range is wide: from about $950 at the low end (barely breaking even) to over $7,000 in strong scenarios. This highlights that even with good expected returns, outcomes vary a lot. These are models, not promises, and they rely on history repeating enough to be useful, which it never does perfectly.
Asset classes
- Stocks 100%
Asset‑class exposure is simple: 100% stocks, 0% bonds or cash. This all‑equity stance maximizes long‑term growth potential but gives up the stabilizing role that bonds or cash can play during market stress. In comparison, many broad “balanced” portfolios might hold 40–60% in bonds, which dampens volatility but usually lowers long‑term returns. Being fully in equities aligns well with a growth risk classification and longer horizons, especially when there’s no short‑term spending need. The key implication is psychological as much as financial: investors using a setup like this need to tolerate deep, temporary losses without panicking, because there is no built‑in safety buffer from safer assets.
Sectors
- Technology 37%
- Industrials 11%
- Financials 10%
- Health Care 10%
- Telecommunications 7%
- Consumer Discretionary 7%
- Consumer Staples 6%
- Energy 5%
- Basic Materials 3%
- Real Estate 2%
- Utilities 1%
Sector exposure is led by technology at 37%, with the rest spread across industrials, financials, health care, telecom, consumer areas, and smaller slices in energy, materials, real estate, and utilities. Tech’s weight is meaningfully higher than in broad global indices, largely because of the dedicated semiconductor ETF and growth/momentum tilts. This tech emphasis can be powerful when innovation and earnings growth stay strong but tends to be more sensitive to interest rates and sentiment swings. The rest of the sectors form a reasonably balanced backdrop, which is a plus. Overall, this sector mix is well‑aligned with a growth mindset but will likely feel sharper ups and downs when tech cycles turn.
Regions
- North America 85%
- Europe Developed 8%
- Japan 3%
- Asia Developed 3%
- Australasia 1%
Geographically, about 85% is in North America, with modest slices in developed Europe, Japan, other developed Asia, and Australasia. That’s a heavier US tilt than a global market benchmark, where the US is closer to 60%. This home‑country bias has worked well over the past decade as US stocks outperformed, and it keeps currency risk simple for a US‑based investor. The trade‑off is less exposure to other economies that may lead in different periods. The current mix is still moderately diversified globally and not extreme, but it does mean portfolio fortunes are closely tied to US economic and policy trends. Over a lifetime, leadership between regions can rotate.
Market capitalization
- Large-cap 39%
- Mega-cap 33%
- Mid-cap 12%
- Small-cap 10%
- Micro-cap 5%
By market cap, the portfolio leans toward larger companies: roughly one‑third mega‑cap, another chunk large‑cap, with meaningful but smaller stakes in mid, small, and micro‑caps. This gives a nice blend of stability from giants and extra growth potential from smaller firms. The dedicated small‑cap ETF plus the semiconductor fund likely boost exposure to more volatile, higher‑beta names, which can amplify both gains and losses. Compared with a pure large‑cap index, there’s more size diversification here, which is a structural positive. The main implication is that day‑to‑day swings might be somewhat higher than a plain large‑cap fund, but long‑term return potential may also be enhanced.
True holdings
-
NV NVIDIA Corporation 6.63%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
- VanEck Semiconductor ETF
-
AV Broadcom Inc 3.34%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
- VanEck Semiconductor ETF
-
GO Alphabet Inc Class A 2.16%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
-
AA Apple Inc 2.05%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
GO Alphabet Inc Class C 1.73%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Schwab U.S. Large-Cap Growth ETF
-
MS Microsoft Corporation 1.51%
Part of fund(s):- Schwab U.S. Large-Cap Growth ETF
-
JN Johnson & Johnson 1.36%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
MU Micron Technology Inc 1.33%
Part of fund(s):- Invesco S&P 500® Momentum ETF
-
LR Lam Research Corp 1.26%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- VanEck Semiconductor ETF
-
TS Taiwan Semiconductor Manufacturing 1.16%
Part of fund(s):- VanEck Semiconductor ETF
- Top 10 total 22.52%
Looking through the ETFs, a few big names show up repeatedly: NVIDIA at 6.6%, Broadcom, Alphabet (both share classes), Apple, Microsoft, and several major chip makers. This “hidden” overlap means the true exposure to mega tech and semiconductors is higher than any single ETF weight suggests. Because only top‑10 holdings are counted, real overlap is likely larger. Overlap isn’t necessarily bad—these are high‑quality, market‑leading companies—but it does mean returns and risk are more tightly tied to a relatively small group of tech‑heavy names. The key takeaway is that diversification by fund count is solid, yet underlying business exposure is more concentrated than it first appears.
Factors
Factor exposure is broadly neutral across value, size, momentum, quality, yield, and low volatility, all clustering around the 50% “market‑like” mark. Factors are like the underlying traits—cheap vs. expensive, stable vs. volatile—that research has tied to returns. With no strong tilts, this portfolio is not making big bets on any one style; instead, it behaves much like the overall market from a factor perspective, despite its growthy and tech‑heavy feel at the surface. That can actually be a strength: performance should be less sensitive to any single style cycle, like when value outperforms growth or vice versa. It means returns are more driven by overall market direction and sector tilts than by factor timing.
Risk contribution
-
Invesco S&P 500® Momentum ETF
Weight: 25.00% 24.6% -
Schwab U.S. Large-Cap Growth ETF
Weight: 20.00% 21.5% -
Schwab U.S. Small-Cap ETF
Weight: 15.00% 16.2% -
VanEck Semiconductor ETF
Weight: 10.00% 14.9% -
Schwab International Equity ETF
Weight: 15.00% 11.7% - Top 5 risk contribution 88.8%
Risk contribution shows how much each holding drives total ups and downs, which can differ from simple weights. The momentum and large‑cap growth ETFs each contribute risk roughly in line with their size, while the small‑cap fund adds a bit more risk per dollar. The standout is the semiconductor ETF: at 10% weight it contributes nearly 15% of risk, with a risk/weight ratio of 1.49. That’s like a smaller instrument in the band playing much louder than its share of musicians. This is a classic high‑octane satellite holding. The overall pattern is still okay, but anyone wanting smoother rides could consider how comfortable they are with this concentrated risk driver.
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 has a Sharpe ratio of 0.75, below the optimal mix’s 1.06 and roughly equal to the minimum‑variance option. Sharpe compares extra return over cash to volatility—higher is better risk‑adjusted performance. The key detail: at your present risk level, the portfolio sits about 2.5 percentage points below the efficient frontier, meaning the same holdings could be mixed differently to target a better balance of risk and return. The optimal mix is much higher risk and return; the minimum‑variance version lowers risk without sacrificing Sharpe. This suggests there’s room to fine‑tune weights—without adding new funds—to either smooth volatility or potentially boost returns per unit of risk.
Dividends
- Schwab U.S. Small-Cap ETF 1.20%
- Schwab U.S. Dividend Equity ETF 3.50%
- Schwab International Equity ETF 3.30%
- Schwab U.S. Large-Cap Growth ETF 0.40%
- VanEck Semiconductor ETF 0.30%
- Invesco S&P 500® Momentum ETF 0.90%
- Weighted yield (per year) 1.54%
The overall dividend yield is about 1.54%, coming largely from the dividend equity and international ETFs, both above 3%. The growth, momentum, and semiconductor funds pay much lower yields, which is normal for growth‑oriented strategies where companies reinvest more instead of paying out. Dividends can be a nice “steady drizzle” of return and may help soften the impact of flat price periods over decades, especially when reinvested. For an investor mainly chasing capital appreciation, this moderate yield is perfectly reasonable. It’s not an income‑focused setup, but it does provide some ongoing cash flow that, if automatically reinvested, boosts compounding over time without needing to time the market.
Ongoing product costs
- Schwab U.S. Small-Cap ETF 0.04%
- Schwab U.S. Dividend Equity ETF 0.06%
- Schwab International Equity ETF 0.06%
- Schwab U.S. Large-Cap Growth ETF 0.04%
- VanEck Semiconductor ETF 0.35%
- Invesco S&P 500® Momentum ETF 0.13%
- Weighted costs total (per year) 0.10%
Costs are a real strength here. The blended total expense ratio around 0.10% is impressively low, especially given the presence of a niche semiconductor ETF at 0.35%. Most of the Schwab funds are ultra‑cheap, which helps keep the overall fee drag minimal. Think of fees as a “headwind” you run against every year; reducing that headwind leaves more of the gross return in your pocket. Over long horizons, even a 0.2–0.3% difference can compound into meaningful money. From a cost standpoint, this lineup is aligned with best practices and comparable to some of the lowest‑cost options available, providing a solid foundation for long‑term compounding.
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