Growth focused portfolio centered on large cap US stocks with a strong tech momentum tilt

Report created on Mar 21, 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 heavily equity-focused, with about 96% in stocks and a small 3% slice in precious metals. Most of the exposure comes from broad US index ETFs, but there is meaningful extra weight in NASDAQ 100 and large‑cap growth funds. That combination drives a Profile_Growth risk classification and a 5 out of 7 risk score, which is on the higher side. This structure is very growth oriented and leans toward capital appreciation over stability or income. As a general takeaway, such a setup usually fits investors who can handle bigger swings in value and care more about long‑term upside than about short‑term fluctuations or steady cash flows.

Growth Info

Historical performance from late 2020 shows the portfolio turning $1,000 into about $2,004, a compound annual growth rate (CAGR) of 14.52%. CAGR is the average yearly “speed” of growth, smoothing out ups and downs. This slightly beats both the US market proxy (13.63% CAGR) and the global market (11.52% CAGR), so the growth tilt has been rewarded. The trade‑off is a maximum drawdown of –28.71%, deeper than the US market’s –24.50%. Max drawdown measures the largest peak‑to‑trough loss and is a good gut‑check for risk comfort. Past returns are not a guarantee, but this history shows a high‑octane equity portfolio that has been rewarded but asks for emotional resilience.

Projection Info

The Monte Carlo simulation projects many possible 10‑year paths for a $1,000 investment using the portfolio’s historical return and volatility. Think of it as running 1,000 “what if” market histories to see a range of outcomes. The median scenario ends around a 542% total return, while the 5th percentile still shows roughly 81% growth, and about 994 of 1,000 runs are positive. The average simulated annual return is 15.39%, which is very strong. Still, simulations rely on the past to estimate the future and cannot foresee regime shifts or rare shocks. The key takeaway is probability, not certainty: outcomes cluster favorably, but there is always a chance of long stretches of weak or negative returns.

Asset classes Info

  • Stocks
    96%
  • Other
    3%

Asset‑class allocation is dominated by equities at 96%, with a small 3% allocation to “other,” in this case precious metals. Compared with more balanced mixes that include bonds or cash, this is an aggressive stance focused on growth, not capital preservation. The small metals slice adds a modest diversifier and potential hedge during stress, but it’s not large enough to dramatically smooth equity swings. This allocation is well aligned with a growth profile and with many long‑horizon investors who can ride out volatility. The main implication is that, in severe equity bear markets, the portfolio is likely to fall roughly in line with risk assets, without the dampening effect that a meaningful bond allocation might provide.

Sectors Info

  • Technology
    39%
  • Telecommunications
    12%
  • Consumer Discretionary
    11%
  • Health Care
    7%
  • Financials
    7%
  • Industrials
    6%
  • Consumer Staples
    6%
  • Energy
    2%
  • Utilities
    2%
  • Basic Materials
    2%
  • Real Estate
    1%

Sector exposure is strongly tilted to technology (39%), with additional weight in communication services (12%) and consumer cyclicals (11%). Healthcare, financials, industrials, and consumer defensive each add smaller but still meaningful slices, while energy, utilities, basic materials, and real estate are modest. Compared with a broad global benchmark, this is more tech‑heavy and more exposed to growth‑oriented segments. That’s been beneficial in recent years, especially with the mega‑cap tech rally, and it supports the strong historical returns. However, tech‑ and growth‑heavy portfolios can be more sensitive when interest rates rise or when sentiment turns against high‑growth companies. A practical takeaway is to check whether this tech tilt matches personal comfort with potential sharp pullbacks.

Regions Info

  • North America
    91%
  • Europe Developed
    2%
  • Asia Emerging
    1%
  • Japan
    1%
  • Asia Developed
    1%

Geographically, about 91% of the portfolio is in North America, with only small allocations to developed Europe, Japan, developed Asia, and emerging Asia. This is a classic US‑centric allocation, even more tilted than a global market benchmark, where the US is significant but not this dominant. The benefit is alignment with the world’s largest, most liquid market and with the mega‑cap leaders that have driven recent performance. The downside is that results are heavily tied to US economic and policy conditions. If other regions outperform over stretches, this kind of portfolio might lag. A general insight is that some investors like to increase international exposure over time to reduce reliance on a single region’s fortunes.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    32%
  • Mid-cap
    15%
  • No data
    3%
  • Small-cap
    1%

Market‑cap breakdown is skewed toward mega caps (49%) and large caps (32%), with 15% in mid caps and only around 1% in small caps. This lines up with major US indices, which are market‑cap weighted and naturally dominated by the biggest companies. The upside is stability and liquidity: mega and large caps are typically more established, with stronger balance sheets and more diversified businesses. The trade‑off is less exposure to the potentially higher long‑term growth (and higher risk) of smaller companies. This allocation is well‑balanced against common benchmarks and is a strong indicator of broad, blue‑chip exposure, but investors seeking an extra tilt toward small‑cap opportunities would usually need dedicated vehicles beyond standard large‑cap and total‑market funds.

True holdings Info

  • NVIDIA Corporation
    7.54%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Apple Inc
    6.42%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Microsoft Corporation
    5.05%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Amazon.com Inc
    3.66%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class A
    3.04%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Meta Platforms Inc.
    2.76%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Tesla Inc
    2.63%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR S&P 500 ETF Trust
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Broadcom Inc
    2.62%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Alphabet Inc Class C
    2.60%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • Schwab U.S. Broad Market ETF
    • Schwab U.S. Large-Cap Growth ETF
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
  • Walmart Inc. Common Stock
    1.77%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Invesco QQQ Trust
    • SPDR S&P 500 ETF Trust
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard S&P 500 ETF
    • Vanguard Total International Stock Index Fund ETF Shares
    • Vanguard Total Stock Market Index Fund ETF Shares
    • Vanguard Value Index Fund ETF Shares
  • Top 10 total 38.09%

Looking through the ETFs, there is significant concentration in a handful of mega‑cap names: NVIDIA, Apple, Microsoft, Amazon, Alphabet (both share classes), Meta, Tesla, Broadcom, and Walmart together make up a notable slice. These show up repeatedly across the S&P 500, NASDAQ 100, growth, and total‑market funds, so real exposure to them is higher than any single ETF weight suggests. Overlap is likely understated because only top‑10 holdings are counted. Hidden concentration like this is normal with broad US index funds but reduces diversification. A useful takeaway is to decide consciously whether this heavy reliance on a few dominant companies is intentional or if slightly more balance would better match risk preferences.

Factors Info

Value
Preference for undervalued stocks
Low
Data availability: 46%
Size
Exposure to smaller companies
Low
Data availability: 7%
Momentum
Exposure to recently outperforming stocks
Low
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 100%

Factor exposure shows dominant tilts toward low volatility, momentum, and size, with some value presence. Factor investing focuses on traits like value (cheap vs. expensive), size (small vs. large), momentum (recent winners), quality, low volatility, and yield that research links to long‑run returns. Here, strong low‑volatility and momentum tilts mean the portfolio leans into stocks that have trended well but also display relatively smoother price paths within the equity universe. That has historically helped in choppy markets, but momentum can reverse sharply if leadership shifts. The size tilt, given coverage, still skews toward larger companies. Overall, this factor mix is quite consistent with a growth‑oriented, high‑quality US equity style rather than deep value or high‑yield positioning.

Risk contribution Info

  • Invesco NASDAQ 100 ETF
    Weight: 21.30%
    25.4%
  • SPDR S&P 500 ETF Trust
    Weight: 27.96%
    25.4%
  • Invesco QQQ Trust
    Weight: 17.30%
    20.8%
  • Vanguard S&P 500 ETF
    Weight: 17.00%
    15.2%
  • Schwab U.S. Large-Cap Growth ETF
    Weight: 5.55%
    6.6%
  • Top 5 risk contribution 93.4%

Risk contribution looks at how much each holding adds to the portfolio’s overall ups and downs, which can differ from its simple weight. Here, the top three positions—Invesco NASDAQ 100 ETF, SPDR S&P 500 ETF, and Invesco QQQ Trust—account for about 71.6% of total portfolio risk, even though they are roughly 66.6% of the weight. Their risk‑to‑weight ratios above 1.0 for the NASDAQ and QQQ show they are slightly more “noisy” than their size suggests. This is normal for concentrated growth and tech exposure. A useful takeaway is to regularly check whether risk is as concentrated as intended, and if not, consider small position‑size tweaks to bring total risk closer to personal comfort rather than chasing any single theme too hard.

Redundant positions Info

  • Invesco QQQ Trust
    Schwab U.S. Large-Cap Growth ETF
    Invesco NASDAQ 100 ETF
    High correlation
  • SPDR S&P 500 ETF Trust
    Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

Asset correlation measures how often holdings move together. When two funds are highly correlated, they tend to rise and fall at the same time, which limits diversification. In this portfolio, the NASDAQ 100, QQQ, and the large‑cap growth ETF form one high‑correlation cluster, while the S&P 500, Vanguard S&P 500, and total‑market ETF form another. This means that, while there are several tickers, many are just variations on the same underlying US large‑cap growth exposure. That’s not inherently bad—it can simplify the story—but it does mean the portfolio will behave very much like a concentrated US equity basket. Reducing overlap or adding truly different exposures is the usual way to improve diversification if desired.

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 sits on the efficient frontier, which is the set of best possible trade‑offs between risk and expected return using the existing holdings. That’s a strong sign that the current mix is already quite efficient. The Sharpe ratio—a measure of return per unit of risk—is 0.7 for the current portfolio versus 1.07 for the optimal mix and 1.04 for the minimum‑variance mix. This means there is theoretical room to improve risk‑adjusted returns just by reweighting the same ETFs. A same‑risk optimized allocation could lift expected returns but with higher volatility. The practical insight is that tuning weights, not adding complexity, is the primary lever if someone wants to nudge the risk‑return balance.

Dividends Info

  • Invesco QQQ Trust 0.50%
  • Invesco NASDAQ 100 ETF 0.50%
  • Schwab U.S. Large-Cap Growth ETF 0.40%
  • SPDR S&P 500 ETF Trust 1.10%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Value Index Fund ETF Shares 2.00%
  • Vanguard Total International Stock Index Fund ETF Shares 3.10%
  • Weighted yield (per year) 0.92%

The overall dividend yield is about 0.92%, which is modest and clearly secondary to growth. Yield varies across the holdings, with higher payouts in value and international funds and lower yields in NASDAQ and growth ETFs. This is typical for a portfolio leaning toward technology and high‑growth companies, which often reinvest profits instead of paying them out. For investors focused on income, this yield would likely feel low and sensitive to market swings. For growth‑minded investors, it’s less of an issue because total return—price appreciation plus any dividends—matters more. The key implication is that spending needs probably shouldn’t rely heavily on current cash distributions from this portfolio alone.

Ongoing product costs Info

  • abrdn Physical Precious Metals Basket Shares ETF 0.60%
  • Invesco QQQ Trust 0.20%
  • Invesco NASDAQ 100 ETF 0.15%
  • Schwab U.S. Large-Cap Growth ETF 0.04%
  • SPDR S&P 500 ETF Trust 0.10%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Value Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.12%

Costs are impressively low, with a total expense ratio around 0.12%. Most core holdings are in very low‑cost index ETFs, with the main cost outlier being the precious metals ETF at 0.60%, which is still within normal range for that asset type. Expense ratios are like a built‑in annual fee that quietly reduces returns, so minimizing them is one of the few controllable levers investors have. This cost structure is well‑aligned with best practices and supports better long‑term performance compared with more expensive strategies. Over many years, saving even a fraction of a percent annually can compound into a noticeable difference in portfolio value, especially for growth‑oriented, equity‑heavy allocations.

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