Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

Concentrated US stock portfolio with tech tilt strong growth history and moderate diversification score

Report created on Jul 21, 2026

Risk profile Info

5/7
Growth
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 with broad US and global equity ETFs, with no bonds or cash. The structure leans heavily on large US companies through an S&P 500 ETF at 40% and a growth-focused ETF at 15%. Smaller and mid-sized US companies together account for 30%, while three global and dividend-oriented funds each hold 5%. This layout makes the portfolio clearly growth-oriented and fully invested in equities. It keeps things relatively simple, using a small set of diversified building blocks rather than many niche funds. The trade-off is that all risk comes from stock markets, with no dedicated buffer from other asset types.

Growth Info

Over the ten-year period shown, $1,000 growing to about $3,936 reflects a compound annual growth rate (CAGR) of 14.77%. CAGR is the “average yearly speed” of growth, smoothing out ups and downs. The portfolio slightly trailed the US market by 0.40% per year but outpaced the global market by 2.13% per year, which is a strong relative outcome. The steepest historical drop, or max drawdown, was about -34.9% during early 2020, similar to the benchmarks’ declines. Just 34 days made up 90% of total returns, underscoring how a small number of strong days drove much of the growth, which is typical for stock-heavy portfolios.

Projection Info

The Monte Carlo projection uses past return and volatility patterns to simulate many possible future paths, like running 1,000 alternate timelines. Here, a $1,000 starting amount over 15 years has a median outcome of about $2,824, with a broad “typical” range between roughly $1,873 and $4,181. The average simulated annual return is 8.34%, and about three-quarters of simulations end with a positive result. These numbers show a wide spread of outcomes, which is normal for an all-stock portfolio. It’s important to remember that Monte Carlo models are based on historical behavior and assumptions; they can’t predict exactly what markets will do.

Asset classes Info

  • Stocks
    100%

All of the portfolio is invested in stocks, with no allocation to bonds, cash, or alternative assets. From a diversification standpoint, this means all risk and return come from equity markets rather than a mix of different asset classes. Compared with a broad global market portfolio, which often includes at least some bonds or defensive assets, this structure leans firmly toward growth and volatility. The upside is full participation in stock market gains when conditions are favorable. The downside is that there’s no built-in “shock absorber,” so the portfolio is more exposed to sharp drawdowns and relies entirely on equities to recover from them.

Sectors Info

  • Technology
    34%
  • Financials
    12%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    7%
  • Consumer Staples
    5%
  • Energy
    4%
  • Real Estate
    3%
  • Basic Materials
    3%
  • Utilities
    2%

Sector exposure is meaningfully tilted toward technology at 34%, with the next largest groups being financials and industrials at 12% each. Consumer discretionary, health care, and communication-related businesses also play visible roles, while more defensive areas like consumer staples and utilities sit in the single digits. Compared with broad global benchmarks, this mix is relatively tech-heavy. That can boost returns when growth and innovation are rewarded, especially in low-rate or optimistic environments. However, it also means the portfolio is more sensitive to changes in expectations for fast-growing companies, such as when interest rates rise or sentiment toward high-growth names cools.

Regions Info

  • North America
    93%
  • Europe Developed
    3%
  • Asia Developed
    1%
  • Japan
    1%
  • Asia Emerging
    1%
  • Latin America
    1%

Geographically, about 93% of the portfolio is in North America, with only small slices in Europe, Japan, and other developed and emerging regions. This is a clear US-dominated profile. The global stock market is more geographically spread out, with a larger share outside the US, so this portfolio takes a more concentrated regional stance than a world index. The benefit is direct exposure to US companies that have led performance over the past decade. The flip side is that results depend heavily on the US economy, corporate earnings, and the dollar, with relatively limited diversification from other parts of the world.

Market capitalization Info

  • Mega-cap
    32%
  • Large-cap
    25%
  • Small-cap
    18%
  • Mid-cap
    17%
  • Micro-cap
    6%

The portfolio covers the full company size spectrum, with 32% in mega-caps and 25% in large-caps, plus meaningful allocations to mid-caps (17%), small-caps (18%), and even micro-caps at 6%. This spread gives exposure to established giants as well as faster-growing, more volatile smaller companies. Relative to a pure large-cap benchmark, there’s clearly more representation from small and mid-sized businesses. That can add growth potential and diversification of business models, but it tends to increase short-term swings. Overall, the size mix looks intentionally broad, which helps balance the stability of big names with the dynamism of smaller firms.

True holdings Info

  • NVIDIA Corporation
    4.42%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Apple Inc.
    4.03%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Microsoft Corporation
    2.58%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Amazon.com Inc
    2.21%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Alphabet Inc Class A
    1.89%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Broadcom Inc
    1.62%
    Part of fund(s):
    • Vanguard High Dividend Yield Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Alphabet Inc Class C
    1.57%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Micron Technology Inc
    1.46%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    1.30%
    Part of fund(s):
    • Invesco QQQ Trust
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Tesla Inc
    1.26%
    Part of fund(s):
    • Invesco QQQ Trust
    • LS 1x Tesla Tracker ETP Securities GBP
    • Vanguard S&P 500 ETF
    • Vanguard Total World Stock Index Fund ETF Shares
  • Top 10 total 22.33%

Looking through the ETFs’ top holdings, a few mega-cap names stand out: NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Micron, Meta, and Tesla. Individually, several of these are around 1–4% of the total portfolio, and they appear in multiple funds. This overlap means that, despite using many ETFs, a chunk of risk is still tied to a relatively small group of large technology and growth companies. Because only top-10 ETF holdings are included, the actual overlap is likely higher than shown. This kind of hidden concentration is common in index-based portfolios, especially those with significant US and growth exposure.

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%

Across the main style factors—value, size, momentum, quality, yield, and low volatility—the portfolio sits very close to “neutral” in every case. Factor exposure describes how much the portfolio leans into traits that research links to returns, like cheapness (value) or stability (low volatility). Here, the readings around 50% suggest the mix behaves broadly like the overall market rather than showing strong tilts in any direction. That can be helpful if the goal is to capture general equity market behavior without making big bets on specific styles. It also means the portfolio’s distinctive traits come more from region, sector, and size than from explicit factor tilts.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 40.00%
    37.7%
  • Schwab U.S. Small-Cap ETF
    Weight: 20.00%
    22.8%
  • Invesco QQQ Trust
    Weight: 15.00%
    16.4%
  • iShares Core S&P Mid-Cap ETF
    Weight: 10.00%
    10.7%
  • Vanguard Total World Stock Index Fund ETF Shares
    Weight: 5.00%
    4.5%
  • Top 5 risk contribution 92.1%

Risk contribution shows how much each position drives the portfolio’s overall ups and downs, which can differ from its simple weight. The 40% S&P 500 ETF contributes about 37.7% of total risk, very much in line with its size. Small-cap and QQQ positions, at 20% and 15% weights, contribute slightly more risk than their weights (22.8% and 16.4%), reflecting their higher volatility. The top three holdings together account for about 77% of total portfolio risk, so most of the movement is dominated by those core funds. This concentrated risk contribution is typical in relatively focused portfolios using broad equity building blocks.

Redundant positions Info

  • iShares Core S&P Mid-Cap ETF
    Schwab U.S. Small-Cap ETF
    High correlation
  • Vanguard Total World Stock Index Fund ETF Shares
    Vanguard S&P 500 ETF
    High correlation

The correlation data shows that US mid-cap and small-cap ETFs move very similarly, and the S&P 500 ETF is highly aligned with the total world ETF. Correlation measures how often assets move together; when it’s high, they behave like close dance partners. In this portfolio, several key funds track overlapping parts of the market, so their returns are closely linked. That helps keep the portfolio’s behavior coherent but limits the extent of diversification across holdings during big market swings. In sharp downturns, these highly correlated pieces are likely to fall together rather than offset each other meaningfully.

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.

Open the Portfolio Builder Reshape your holdings and watch every metric recalculate live. Try it

On the risk–return chart, the current portfolio has a Sharpe ratio of 0.6, below both the optimal portfolio at 0.93 and the minimum variance portfolio at 0.67. The Sharpe ratio compares excess return to volatility, like measuring how efficiently risk is being used. The fact that the current mix sits about 2.78 percentage points below the efficient frontier at its risk level suggests that, using the same existing ETFs, a different combination could historically have delivered either higher returns for the same risk or similar returns with less volatility. This doesn’t guarantee future results, but it indicates there’s room to fine-tune weightings.

Dividends Info

  • iShares Core S&P Mid-Cap ETF 1.20%
  • Invesco QQQ Trust 0.40%
  • Schwab U.S. Small-Cap ETF 1.10%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Total World Stock Index Fund ETF Shares 1.60%
  • Vanguard Total International Stock Index Fund ETF Shares 2.60%
  • Vanguard High Dividend Yield Index Fund ETF Shares 2.30%
  • Weighted yield (per year) 1.16%

The overall dividend yield of about 1.16% is modest, reflecting a focus on growth-oriented US equities and technology-heavy exposure. Yield is the cash income paid out as dividends each year, expressed as a percentage of the investment’s price. Within the mix, the dedicated high-dividend ETF and international fund offer higher yields above 2%, while the growth-oriented ETF yields only about 0.4%. This setup means total returns historically have been driven more by price appreciation than by income. For an all-equity, growth-leaning portfolio, that pattern is common and aligns with the emphasis on capital growth over regular cash payouts.

Ongoing product costs Info

  • iShares Core S&P Mid-Cap ETF 0.05%
  • Invesco QQQ Trust 0.18%
  • Schwab U.S. Small-Cap ETF 0.04%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total World Stock Index Fund ETF Shares 0.07%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Vanguard High Dividend Yield Index Fund ETF Shares 0.06%
  • Weighted costs total (per year) 0.06%

The weighted total expense ratio (TER) of roughly 0.06% is impressively low for a multi-ETF portfolio. TER measures the ongoing annual fee charged by funds, taken directly from performance, so lower costs leave more return in investors’ pockets over time. Here, most building blocks are broad index ETFs with single-digit basis point fees, and even the growth-focused ETF remains relatively inexpensive. Compared with many actively managed funds or higher-fee products, this cost structure is very competitive. That’s a solid foundation, because fees compound just like returns, and keeping them low supports better long-term performance without adding extra risk.

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