Growth focused stock portfolio with strong US tilt and added small cap value and momentum themes
Report created on Jul 28, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 ETF
VOO - US9229083632 45.09% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 20.24% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 15.05% -
SP Invesco S&P 500® Momentum ETF
SPMO - US46138E3392 12.62% -
SM VanEck Semiconductor ETF
SMH - US92189F6768 7.00%
This portfolio is fully invested in equities and built entirely from five broad and thematic ETFs. Most of the weight sits in two core index funds tracking large US companies and international stocks, together making up around two‑thirds of the portfolio. The remaining third is split across targeted sleeves: US small cap value, US momentum, and a dedicated semiconductor fund. Structurally, this is a growth‑oriented stock mix rather than a balanced stock‑bond blend. That matters because returns and risk are both driven by equity markets. The combination of broad core funds plus smaller focused positions creates a clear core‑satellite structure, where the satellites can meaningfully shape risk and performance without dominating the overall allocation.
Growth
From late 2019 to mid‑2026, a hypothetical $1,000 in this portfolio grew to about $3,211, implying a compound annual growth rate (CAGR) of 18.69%. CAGR is like average speed on a road trip: it smooths out bumps to show typical yearly growth. Over the same period, the US market returned 15.97% and the global market 13.46%, so this mix outpaced both by a noticeable margin. The deepest drop, or max drawdown, was about ‑35%, similar in size to the benchmarks’ declines. That shows the portfolio earned higher returns without experiencing dramatically worse downturns, though the sharp 2020 fall still highlights how fully‑equity portfolios can move quickly in both directions.
Projection
The Monte Carlo projection uses many randomized simulations based on historical patterns to estimate a range of future outcomes. Think of it as running 1,000 alternate futures to see how often things turn out well or poorly, rather than assuming a straight line. For a $1,000 starting point over 15 years, the median simulated outcome is around $2,729, with a broad “likely” range from roughly $1,786 to $4,223. The average annual return across simulations is 8.03%, lower than the past CAGR, reflecting more conservative assumptions. Importantly, these numbers are not promises: they simply show how volatile equity‑only portfolios can be and that both strong gains and flat periods are possible.
Asset classes
- Stocks 100%
All of this portfolio sits in stocks, with no allocation to bonds, cash, or alternative assets. Asset classes are broad buckets like equities, fixed income, and real assets that tend to behave differently across market cycles. Because there is no offsetting asset class here, portfolio ups and downs are closely tied to stock market behavior, especially during stress periods. Compared to many diversified multi‑asset mixes, this structure leans more heavily into growth potential and accepts more short‑term volatility. The clear upside is simplicity and full participation in equity returns; the trade‑off is that there is no built‑in defensive sleeve that might cushion large equity drawdowns.
Sectors
- Technology 37%
- Financials 15%
- Industrials 10%
- Consumer Discretionary 9%
- Health Care 7%
- Telecommunications 7%
- Energy 5%
- Consumer Staples 4%
- Basic Materials 3%
- Utilities 2%
- Real Estate 2%
Sector exposure is tilted meaningfully toward technology at 37%, with financials, industrials, and consumer discretionary making up the next largest slices. Other sectors like health care, telecom, energy, staples, materials, utilities, and real estate have smaller but still present weights. This tech‑heavy stance is partly driven by the semiconductor ETF and the market‑cap‑weighted core funds, where large tech names dominate index composition. Sector weights roughly resemble broad equity benchmarks but with an extra push toward tech. That can be a source of higher growth in innovation‑led markets, but it also means performance may be more sensitive when technology or semiconductor companies go through sharp cycles or valuation resets.
Regions
- North America 80%
- Europe Developed 8%
- Asia Developed 5%
- Japan 3%
- Asia Emerging 3%
- Australasia 1%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 80% of the portfolio is in North America, with more modest positions across developed Europe, developed Asia, Japan, and small slices in emerging regions and other areas. Global equity benchmarks typically have a large but slightly lower US weighting, so this portfolio shows a clear US tilt. Geographic exposure matters because economies, currencies, and policy environments differ; a strong US bias ties results closely to US corporate earnings and the dollar. The international ETF does add meaningful non‑US diversification, but overall the mix remains heavily anchored to North American markets, which has helped in recent years but concentrates regional risk if leadership shifts abroad.
Market capitalization
- Mega-cap 38%
- Large-cap 31%
- Mid-cap 14%
- Small-cap 8%
- Micro-cap 8%
By company size, the portfolio leans toward mega‑cap and large‑cap stocks, which together make up roughly 69% of exposures. Mid‑caps, small‑caps, and micro‑caps share the remaining weight, supported particularly by the dedicated US small cap value ETF. Market capitalization exposure influences both volatility and the style of growth: larger companies often have more stable businesses and better liquidity, while smaller firms can move more sharply and sometimes have higher long‑term return potential. This mix broadly mirrors the global market’s large‑cap dominance but meaningfully increases smaller‑company exposure. That creates a blend where stability from giants coexists with additional cyclicality from the more volatile small and micro‑cap segments.
True holdings
-
NV NVIDIA Corporation 5.93%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
-
AA Apple Inc. 2.97%
Part of fund(s):- Vanguard S&P 500 ETF
-
MU Micron Technology Inc 2.57%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
-
AV Broadcom Inc 2.52%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- VanEck Semiconductor ETF
- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.99%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
MS Microsoft Corporation 1.94%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.63%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 1.59%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- Vanguard S&P 500 ETF
-
AM Advanced Micro Devices Inc 0.94%
Part of fund(s):- Invesco S&P 500® Momentum ETF
- VanEck Semiconductor ETF
-
ME Meta Platforms Inc. 0.87%
Part of fund(s):- Vanguard S&P 500 ETF
- Top 10 total 22.94%
Looking through ETF top holdings, several well‑known technology and growth names show up repeatedly, including NVIDIA, Apple, Microsoft, Alphabet, Amazon, and Meta. NVIDIA in particular stands out with an overall exposure near 6%, boosted by the semiconductor ETF plus its presence in core indices. Because overlap data only covers ETF top 10s, true concentration is likely somewhat higher than shown. Overlap matters because owning the same company through multiple funds can quietly increase dependency on its fortunes. In this case, the combination of core US funds, a momentum ETF, and a semiconductor sleeve builds a notable cluster in large US tech and chipmakers that drives a meaningful share of overall performance.
Factors
Factor exposures are broadly neutral across value, size, momentum, quality, low volatility, and yield, all landing close to the 50% “market‑like” mark. In factor language, that means the portfolio doesn’t strongly lean into or away from any of these characteristics overall, even though individual sleeves target small cap value or momentum. Factor investing focuses on traits that academic research links to long‑term returns, like cheapness (value) or price trends (momentum). Here, the broad core holdings appear to dilute more extreme factor tilts from the satellites, resulting in a well‑balanced factor profile. That tends to produce behavior similar to the wider equity market rather than a specialized factor‑driven pattern.
Risk contribution
-
Vanguard S&P 500 ETF
Weight: 45.09% 42.7% -
Avantis® U.S. Small Cap Value ETF
Weight: 15.05% 17.4% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 20.24% 16.8% -
Invesco S&P 500® Momentum ETF
Weight: 12.62% 12.6% -
VanEck Semiconductor ETF
Weight: 7.00% 10.6%
Risk contribution shows how much each holding drives the portfolio’s total volatility, which can differ from simple weights. The S&P 500 ETF is 45% of assets and contributes about 43% of risk, lining up closely. The international fund is 20% of weight but only 17% of risk, reflecting its diversifying effect. The small cap value ETF slightly “punches above its weight” at 15% allocation and 17% of risk. The standout is the semiconductor ETF: a 7% weight but over 10% of total risk, with a risk‑to‑weight ratio of 1.51. Overall, the top three positions drive around 77% of risk, showing that volatility is concentrated in a handful of core exposures and one higher‑beta satellite.
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 compares risk (volatility) against expected return using the existing holdings at different weights. The current portfolio has a Sharpe ratio of 0.7, measuring return per unit of risk above the risk‑free rate. The optimal mix of the same ETFs, with no new positions, shows a higher Sharpe of 1.06 but also meaningfully higher risk and return, while the minimum‑variance mix has slightly lower risk and a Sharpe of 0.66. The current allocation sits about 1.1 percentage points below the frontier at its risk level, meaning it’s reasonably but not perfectly efficient. In plain terms, small reweighting within these same funds could improve the risk‑return balance somewhat.
Dividends
- Avantis® U.S. Small Cap Value ETF 1.20%
- VanEck Semiconductor ETF 0.20%
- 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) 1.31%
The portfolio’s overall dividend yield is around 1.31%, which is modest compared with many income‑focused stock mixes but typical for growth‑oriented global equities today. Dividends represent the cash companies pay out to shareholders and can be a steady contributor to long‑term total return, especially when reinvested. Here, the highest yield comes from the international ETF (about 2.60%), while the semiconductor and momentum ETFs pay very little. That pattern is consistent with an emphasis on growth and more cyclical sectors rather than high‑payout, defensive areas. In practice, most of the portfolio’s long‑run return is expected to come from price appreciation rather than from dividend income.
Ongoing product costs
- Avantis® U.S. Small Cap Value ETF 0.25%
- VanEck Semiconductor ETF 0.35%
- 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) 0.10%
The weighted average total expense ratio (TER) of the portfolio is about 0.10%, which is impressively low for an all‑ETF equity mix. TER is the annual fee charged by a fund, similar to a small percentage haircut taken each year. The core Vanguard funds are especially cheap at 0.03% and 0.05%, while the more specialized small cap value, momentum, and semiconductor ETFs cost more but only make up a minority of the allocation. Keeping costs low helps more of the portfolio’s gross returns stay in place over time, and small differences in fees can compound meaningfully over decades. From a cost perspective, this structure is a strong foundation and aligns well with low‑cost investing practices.
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